Consumer complaint received 2019-02-20
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 paid

Complaint:
This complaint is a repeat of the CFPB complaint, ( # XXXX ),  I submitted XX/XX/XXXX. Please review your records. Complaint was regarding an emergency room medical bill dated XX/XX/XXXX. This complaint also filed with XXXX  in XX/XX/XXXX, ended in XXXX  confirming the Collection Agency, Commonwealth Financial Systems, ( CFS ), acknowledged they received proof of payment directly from my XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX. XXXX   Credit Bureau deleted the derogatory debt completely and sent me confirming documentation. DONE ... .Right?? 
Now I received a letter on XX/XX/XXXX dated XX/XX/XXXX from XXXX XXXX XXXX. They are attempting to collect on the same Hospital Emergency medical debt dated XX/XX/XXXX, XXXX XXXX/XXXX  XXXX 's representative XXXX, ( employee #  XXXX ), had already spoke with CFS and faxed them confirming documentation of all medical payments made on XX/XX/XXXX, Payments that exceeded over {$3200.00}. XXXX, ( XXXX XXXX XXXX XXXX ) confirmed I had paid my co-pay of {$150.00}. Thus no balance due. On XX/XX/XXXX the XXXX derogatory debt appeared on my XXXX XXXX Credit report. Less than 30 days from the date of the XX/XX/XXXX CFS letter. Is this legal? On XX/XX/XXXX I called CFS with no contact. On XX/XX/XXXX I called again and spoke with a manager, XXXX XXXX who later informed me his real name is XXXX XXXX, ( XXXX ). I shared my frustration, provided their prior account number and the result of CFS dropping the collection due to proof they received of the debt paid. XXXX stated they can not find any such records confirming payment made in XX/XX/XXXX, XX/XX/XXXX. I  told XXXX to speak with then Mgr. XXXX XXXX and I will forward to him copies of XXXX  's documents confirming CFS agreement to drop collection activity and the fact XXXX had removed the bad debt from my credit report. I told XXXX I am disputing this duplicate attempt to collect a medical debt CFS already confirmed was paid. I emailed the XXXX  docs to XXXX on XX/XX/XXXX asking him to review and call me back. I have not received any calls nor responding emails from XXXX XXXX or XXXX. On XX/XX/XXXX I filed a dispute with XXXX XXXX Credit Bureau, ( file # XXXX ). I I have yet to receive word from XXXX XXXX. On XX/XX/XXXX I noted CFS displays the same derogatory debt now again on XXXX Credit Report. on XX/XX/XXXX I filed another complaint with XXXX including my XXXX Complaint Report # from XX/XX/XXXX. This is FRUSTRATING! 
I researched " Consumer Affairs '' and learned CFS has the lowest rating possible. I reviewed 38 CFS consumer complaints and was amazed most of them dealt with medical bills and the " XXXX ''. and number of duplicate collection attempts on bills paid was concerning. CFS is not accredited and appears to be on thin legal ice. 
On XX/XX/XXXX I filed a complaint with the Florida Attorney General who is referring my complaint to 2 additional state agencies. Licensing agency to confirm CFS is licensed in Florida. They also suggested I contact you, CFPB. 
The amount CFS is attempting to collect for the same date, ( XX/XX/XXXX ) is {$1400.00} but being a 3rd party collection agency they will accept {$1100.00}. They have been unprofessional in both experiences and simply keep asking what amount I would like to pay without providing any further details. They do not have any further information and when asked for them to review their same account from last fall I found it highly suspicious for XXXX to respond so matter of fact and quickly, " we do not have any of those records. The response was instantaneous without any attempt to search for the records. They simply want money with no further discussions. They are playing a # s game ... contact as many people as fast as possible and see who will pay them some XXXX They are using " FEAR '' as a tactic when they hit your credit reports with bad debts within less than 30 days of notifying me. I strongly believe they are breaking the law and with the fact I am over age XXXX they are taking advantage of me and others in my age bracket. What can be done? Read Consumer Affairs complaints on CFS. I am contacting the Pennsylvania Attorney General as recommended by the Florida A.G.Let me know if I can send some supporting detail, ( ie XXXX  's docs from the Fall, XX/XX/XXXX ). 
PLEASE HELP. XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation