Consumer complaint received 2019-04-06
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial Systems Inc has been repeatedly harassing me with multiple reports to the credit bureaus for medical bills starting XXXX, two on XX/XX/2019, three on XX/XX/2019, one on XX/XX/2019, one on XX/XX/2019, and one on XX/XX/2019. Each time I file a dispute with the credit bureaus and they get updated as valid. I then receive the bill for the first time in the mail that has incorrect " original account number ( s ). I respond in a timely manner that I am disputing the bill and want verification of amount owed, dates of service, amounts charged with itemized billing and payment history, and copy of original financial agreement ( s ) that outlines any and all fees/fines/penalties/interest rates that I would be liable for. Each time I received a form letter attached to a generic account print out with absolutely no account details pertaining to the nature of supposed debt. I have taken the time to go directly to the original creditor and call them, they do not have the account numbers provided by Commonwealth Financial Systems. When a date of service is provided the original creditor is able to locate them and the account billing differs drastically from what Commonwealth Financial Systems is claiming I owe. Furthermore, of the nine accounts reported on my credit report by Commonwealth Financial Systems I have only received information on five of them, despite the fact that I have formally disputed all nine. The first three were removed, in the amounts of {$630.00}, {$630.00}, and {$1200.00}, after I responded in writing citing the many laws they have violated via certified mail. Another two will be sent via certified mail this coming week, for the amounts of {$1700.00} and {$1700.00}. The other four derogatory reports do not offer amounts, dates, or account numbers, but I have lost more than 60 points on my credit score as a result. I am unable to dispute in writing as Commonwealth Financial Systems has not sent me any information. I also took the time to report the first three accounts to the XXXX, after the company sent a response stating that the debts were valid I proved they were not. This has become a harassment tactic as every time I get accounts removed new ones are reported. The most recent mailing does not even offer a service date to use in an effort to verify the supposed date, that mailing was dated XX/XX/2019 received XX/XX/2019. I have formally informed Commonwealth Financial Systems that their illegal business tactics will be reported, and if they continue I will seek legal representation. This did not matter to them as their practices are continuing. This has caused severe economic hardship to myself and my family. I have informed Commonwealth Financial Systems that all communication is to be done in writing and in large print to accommodate for my XXXX in accordance with the ADA, and they have been unable to comply with my request, which also causes delay in my ability to run the verification process prior to my written reply via certified mail. In addition, Commonwealth Financial Systems lists all accounts on the credit report as " unknown '' instead of medical. Medical bills are treated differently with the calculation of the FICO XXXX score. They know in advance that these are medical bills and are deliberately doing this to cause financial harm. I have pictures of the handwritten responses that I may furnish upon request.

Company response to consumer: Closed with explanation