Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
In reference to my previous filed complaint, Commonwealth Financial continues to be very deceptive.

This company has blatantly and purposely disregarded my consumer rights and concerns.

As records show that in both my previous complaints this company placed this debt on my credit file before sending me a dunning letter and giving me the option to dispute and request validation. I never received any notice from Commonwealth Financial. 


XXXX XXXX continues to respond but not addressing the fact that Commonwealth Financial violated my consumer rights. She is blatantly overlooking what the actual complaint was about. 

XXXX XXXX why weren't I sent a Dunning Letter before your company placed this account on my credit file? Isn't that the law or are you disregarding that as well whenever you choose to? 

According to the Fair Debt Collection Practices Act, Debt Collectors shall send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX why didn't your company follow the Law according to the Fair Debt Collection Practices Act. Why are you refusing to address my actual complaint? 

As a consumer with rights, why didn't your company send me a written notice of this debt and allowing me 30 days to respond before placing this on my credit file? 

If it is your claim that the address you have on file didn't match well it would have been forwarded as all my incoming mail is and I've never had an issue with any other company. So that's ruled out!!!! 

As your refusal to address my actual complaints I will continue to forward all responses to my Lawyer, my State 's Attorney General, The Federal Trade Commission, and the Credit Bureaus.

Company response to consumer: Closed with explanation