Consumer complaint received 2023-12-06
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I informed Commonwealth Financial Systems, Inc. about a complaint XXXX XXXX I made on this CFPB website to XXXX XXXX XXXX mentioning them in the complaint. I informed a CommonWealth Financial Systems supervisor by the name of XXXX ext XXXX XXXX about this complaint. Which the very first time I spoke with her. I told her that she was violating my rights because I have already took the proper legal actions about this situation. I informed her the CFPB complaint number and a brief explanation of why my rights where being violated. Which I guess she didnt take me very seriously. So, this being the beginning of this complaint. I am copying and pasting some of this complaint I made on XX/XX/XXXX. Reason being because I have spent enough time and energy on this whole situation, I am trying to keep my frustrations and stress down the best I can with knowing already how much damage and harm this already has done to me. This is a very good explanation of what happen and how this situation got here. Which I will pick up to add the small details what happened after this complaint was done.

Less than a year ago, I obtained my first secured credit card to establish my credit history. In doing so, I got my credit to start to rise. You will see me only doing positive actions to build my credit up. Until I noticed a sudden drop in my credit score and was startled to see that there were two alleged debts on my XXXX XXXX report. With the company named XXXX XXXX XXXX  which it says it was reported on XX/XX/XXXX. These alleged debts were supposedly owed to XXXX XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX for XXXX. Which it states that "XXXX XXXX XXXX" had these 2 alleged debts opened since XX/XX/XXXX(XXXX XXXX). I will provide the screenshot of that. Which I never have heard of any of those companies or any alleged debts. The very first time I ever even saw or found out about them where off my app. I never received phone calls or mail to my address (which is public info). As a responsible consumer, I did research and took immediate action by requesting a validation letter from "XXXX XXXX XXXX" on XX/XX/XXXX. This request was made to ensure the legitimacy of the alleged debts. Incredibly, within approximately 30 days of this request, the derogatory marks associated with these alleged debts were removed from my credit report, resulting in an improvement to my credit score. This situation led me to believe that the matter was resolved, as the alleged debts were removed following my request for validation. However, my credit score recently dropped XXXX XXXX XXXX once again in early XX/XX/XXXX. When I looked at what was going on. I discovered that the very same alleged debts, which I had previously successfully disputed and had removed from my credit report, had reappeared under the name "COMMONWEALTH FINANCIAL SYSTEMS". These entries were reported on XXXX XXXX XXXX, and the screenshot will show it has been opened since XXXX XXXX XXXX and corresponded to the exact amounts and creditors as mentioned earlier. I firmly believe that these actions by the debt collection entities constitute clear violations of consumer protection laws, including but not limited to: 1. Fair Debt Collection Practices Act (FDCPA): Failure to provide a debt validation letter upon request, violating my right to dispute and validate alleged debts. -Reporting unvalidated debts to major credit bureaus, resulting in damage to my credit history and score. -Failure to contact me within five days of acquiring the alleged debts, as required by the FDCPA. 2.Health Insurance Portability and Accountability Act (HIPAA): -Improper sharing of medical information, as the alleged debts were related to medical services provided by the creditors. 3.Consumer Financial Protection Bureau (CFPB) Regulations: -Unlawful reporting of unverified debts to credit bureaus. -Failure to comply with proper debt collection procedures as outlined by the CFPB. In light of these violations, I am making this formal complaint. I have screenshots off my XXXX XXXX which will show all dates my scores went up and went down. Also, it will show that this "XXXX XXXX XXXX" with the details and prices of the alleged debts. Then the screenshots of those debts being off my credit. Then the screenshots of now this new company "COMMONWEALTH FINANICAL SYSTEMS INC." with these same amounts of alleged debts and details. Which again, I had to find out by my credit app. I also will attach the request of validation letter I sent to XXXX XXXX XXXX. So, I will upload or attach all documents that shows any evidence. Which you will get a more clear picture of what a negative impact this situation is doing to my credit twice now, and to me when I was trying to resolve the issue properly. In all the attachments, they might seem like certain ones dont show evidence but look closely at dates and everything and you will be able to add up all the evidence. It will show XXXX XXXX XXXX had the same alleged debt posted. Then my validation letter I sent to XXXX XXXX XXXX which they failed to do so. Then the alleged debt getting off my credit. I gave XXXX XXXX XXXX a chance to validate it when they were representing the alleged debt. Which they did nothing but take it off my credit after they failed to validate it. Then, to hurt my credit for the second time. CommonWealth Financial Systems started representing the debt after I got that alleged debt off. With the same details of those alleged debts(companies and amounts, ect.)I couldnt believe that this was happening to me.
  
     Now I will add the few things that was not mentioned above that matters. After that complaint to XXXX XXXX XXXX. Their response to the complaint was  RE CFPB COMPLAINT ID XXXX XXXX XXXX. Thank you for your inquiry and the opportunity to respond to any issue a consumer may have with XXXX XXXX XXXX. From our investigation of the CFPB complaint log, the facts we currently understand are: We were assigned two accounts by our client, on XXXX XXXX XXXX XXXX, under the name of XXXX. Upon request from our client, the accounts that were closed and returned to our client on XXXX XXXX XXXX. Following the CFPB complaint, we have submitted the accounts for credit deletion, and the modification will show up in the subsequent reporting cycle. If we can be of further assistance, please feel free to contact us at XXXX. Sincerely, XXXX XXXX XXXX 
     After around a little more than a month went by I contacted CommonWealth Financial Systems which is when I spoke to that supervisor XXXX  ext XXXX the first time. Like I said above, I told her that she was violating my rights because I have already took the proper legal actions about this situation. I informed her the CFPB complaint number and a brief explanation of why my rights where being violated. Before we got off the phone she told me she would be contacting me back after I guess she was going to check out the information I told her. She also gave me the name of the original creditor which before that I never heard of. She told me it was XXXX XXXX XXXX So, with me going back in fourth using up my time and energy on something I knew I already have taken care of by law.  Which the evidence will show. Its unbelievable how little consideration this company and others have had for me. So, while waiting for this supervisor to get back to me. I made a complaint XXXX XXXX to XXXX XXXX XXXX on XXXX on the CFPB website as well. So, your company can see how serious this matter is and how much it truly damages people. Here is the complaint I sent to them.  I have stuck by the law in every way dealing with this issue that I just found out that XXXX XXXX XXXX was the actual head of this snake with my issue that I already have handled by law. For that sake that I just found out that they where the original creditors I am giving them the opportunity for them to delete these debts that I already have proved in CFPB Complaint ID XXXX of how many different times they have broke in violated the Laws that Protect me and for a very good reason this being one of them. I am done wasting anymore of my time because with this being the last time before I take the legal actions that are necessary. I will attach a copy of the complaint that i just copied and pasted to a word document because your company can look up the Complaint ID with all the attachments and evidence I provided already. I apologize for being a little frustrated as I have Proved everything with solid evidence already. Here is the complaint so your company gets some details which you can look at all the evidence I provided on the CFPB website. Less than a year ago, I obtained my first secured credit card to establish my credit history. In doing so, I got my credit to start to rise. You will see me only doing positive actions to build my credit up. Until, I noticed a sudden drop in my credit score and was startled to see that there were two alleged debts on my XXXX XXXX report. With the company named "XXXX XXXX XXXX" which it says it was reported on XXXX XXXX XXXX. These alleged debts were supposedly owed to XXXX XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX for XXXX Which it states that XXXX XXXX XXXX had these 2 alleged debts opened since XXXX XXXX XXXX(XXXX XXXX). I will provide the screenshot of that. Which I never have heard of any of those companies or any alleged debts. The very first time I ever even saw or found out about them where off my app. I never received phone calls or mail to my address(which is public info). As a responsible consumer, I did research and took immediate action by requesting a validation letter from XXXX XXXX XXXX on XXXX XXXX XXXX. This request was made to ensure the legitimacy of the alleged debts. Incredibly, within approximately 30 days of this request, the derogatory marks associated with these alleged debts were removed from my credit report, resulting in an improvement to my credit score.This situation led me to believe that the matter was resolved, as the alleged debts were removed following my request for validation.(Which they never Validated) However, my credit score recently dropped XXXX XXXX XXXX once again in early XXXX XXXX. When i looked what was going on. I discovered that the very same alleged debts, which I had previously successfully disputed and had removed from my credit report, had reappeared under the name "COMMONWEALTH FINANCIAL." These entries were reported on XXXXXXXX XXXX XXXX, and the screenshot will show it has been opened since XXXX XXXX XXXX, and corresponded to the exact amounts and creditors as mentioned earlier.I firmly believe that these actions by the debt collection entities constitute clear violations of consumer protection laws, including but not limited to: 1.Fair Debt Collection Practices Act (FDCPA): Failure to provide a debt validation letter upon request, violating my right to dispute and validate alleged debts. -Reporting unvalidated debts to major credit bureaus, resulting in damage to my credit history and score. -Failure to contact me within five days of acquiring the alleged debts, as required by the FDCPA. 2.Health Insurance Portability and Accountability Act (HIPAA): -Improper sharing of medical information, as the alleged debts were related to medical services provided by the creditors. 3.Consumer Financial Protection Bureau (CFPB) Regulations: -Unlawful reporting of unverified debts to credit bureaus. -Failure to comply with proper debt collection procedures as outlined by the CFPB. And now, the section 5 of the Federal Trade Act for my understanding. In light of these violations, I am making this formal complaint. I have screenshots off my XXXX XXXX which will show all dates my scores went up and went down. Also, it will show that this XXXX XXXX XXXX with the details and prices of the alleged debts. Then the screenshots of those debts being off my credit. Then the screenshots of now this new company "COMMONWEALTH FINANICAL" with these same amounts of alleged debts and details. Which again, I had to find out by my credit app. I also will attach the request of validation letter I sent to XXXX XXXX XXXX. So, I will upload or attach all documents that shows any evidence. Which you will get a more clear picture of what a negative impact this situation is doing to my credit twice now, and to me when I was trying to resolve the issue properly. Thank you, I hope now uploading what I need to wont be a issue. Well get it handled one way or other. In all the attachments, they might seem like certain ones dont show evidence but look closely at dates and everything and you will be able to add up all the evidence. It will show XXXX XXXX XXXX had the same alleged debt posted, then the letter I wrote them, them no validating it, then it getting off my credit, then this other CommonWealth Financial went after I got that alleged debt off and gave them a chance to validate it. Which they did nothing but did take it off my credit. Then it will show CommonWealth Financial with the same alleged debts and details(companies and amounts, ect.). Thanks That was the complaint. I hope your company takes this matter serious and looks at the complaint to see all attached evidence to prove all of it. I will attach a few things But that original complaint took me a very long time to get everything perfect which i will take the time to get it right if I do have to make the proper legal actions against your company. Hopefully it does not come to that. I thank you for your time.
  This was their response to that complaint   XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledges receipt of your complaint and welcomes the opportunity to respond to your concerns. The accounts referenced in your complaint are the result of emergency room physicians services that were provided on XXXX by the original creditor XXXX XXXX XXXX XXXX XXXX, as well as on XXXX by the original creditor XXXX XXXX XXXX XXXX. We have reviewed your complaint in detail, and we have decided to close these accounts to prevent any future collection activity from occurring. Additionally, we have instructed Commonwealth Financial Systems, Inc (CFSI) to close the accounts from their system as well, and to submit a request to the credit bureaus to have any listings of these accounts removed. You will no longer be contacted regarding these accounts, and they will not be sent to the credit bureaus to be listed on your credit report in the future. We feel this should address your concerns regarding this matter.  
   As much damage, harm, energy, stress and time ect. this all has cost me. The last sentence in XXXX XXXX XXXX response was  We feel this should address your concerns regarding this matter. Which to me is unbelievable, especially with what I wrote in the complaint where it ask what is a possible way to resolve this issue fairly or something similar to that (it only shows what Im talking about when you file the complaint on the CFPB website). The point is, Commonwealth Financial Systems and the other companies involved cant even get close to undoing the damage and everything it truly cost me. A very high possibility your company has not even truly thought about how much it affects peoples lives. This complaint is to your company CommonWealth Financial Systems though. So, meanwhile, while I was waiting for your companys supervisor to call back. Your company sent me debt validation letters when I never asked for them to be sent. In these letters it states exactly Attached is an itemized statement that you requested regarding the above identified debt that has been placed in our office for collection by the current creditor. To prove I never asked for this now, evidence that your company kindly sent me. I have a recorded call when your companys supervisor called me back which I will upload to this complaint. With me even asking her why she would have you company send them to me. As well as the evidence of these debt validations I never asked for because your company should have done what was necessary to know that this whole issue I already have handled by law. Which is why XXXX XXXX XXXX responded the way they did. I will attach all evidence that will show your company everything that is needed to understand the harm, damages, stress, energy, time, ect it has done to me. So, I dont have to put any more time, energy, etc. into this complaint. I am not going to state every last one of the Consumer Protection Laws & Acts your company has violated. Nor all the Uniform commercial codes or the U.S. codes that violated my rights as well. I hope your company understands that just by having and sending these debt validations when I didnt even ask for them. Is identity theft. I never gave anyone consent at any time to have the information you sent to me which is evidence now. Also, I never gave permission to have or report any information to any of the 3 major credit bureaus. To any company in that matter.  Please see this complaint as me trying to handle this situation in a fair manner. I hope your company takes this matter very seriously knowing the damage that your company has caused. If we cant come to a fair agreement, I will have no other choice but to take legal action.  I am requesting to be contacted by mail only so please respect my wishes.  My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX. I will look for your response to the CFPB complaint knowing that I should be getting mail from your company any day after responding (just letting me know you responded, and your companys full correspondence is in the mail). Please put a manager or your registered agents contact info in the CFPB complaints response for me to be able to call so there can be no excuse if by some crazy reason I dont get your response in the mail.  I hope we can handle this situation fairly quickly so there is no more harm done and so I can try to put this behind me. God knows how much it has affected me already. Thank you for your time. I know how much it means to me. If you see one screenshot that looks like the same. It is just one of them is from XXXX and one is from XXXX. It all uploaded fine even the recorded call with the supervisor. So, cant be no excuses not to see it all.

Company response to consumer: Closed with explanation