CFPB Complaint

Commonwealth Financial Systems, Inc. – CFPB Complaint ID 3104328

Consumer Complaint Submission

Date Received: 2018-12-18T00:00:00.000

Product: Medical debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I was initially contacted by Experian credit alert on XX/XX/XXXX, and was also contacted, via XXXX XXXX credit alert, of a medical debt of {$420.00}, on XX/XX/XXXX. The date of service was XX/XX/XXXX. This bill was from a vehicle accident involving my ex-spouse and my son. My ex-spouse was not at fault and collected a settlement from the ” at-fault ” insurance company ( see case # XXXX, XXXX County, Ohio ) .The divorce between my ex spouse and I was finalized XX/XX/XXXX. I stated to Commonwealth Financial Services , Inc., that this is NOT my debt. They stated to me, ” Well, it has your name on it now, so you will have to pay for it. ” I asked XXXX on XX/XX/XXXX, to send me the information and proof that this alleged debt is mine. It has been 6 days, and I have not received any correspondence from Commonwealth Financial Systems Inc.
So, my main complaints are : 1. This is NOT my debt, nor have I EVER received any kind of bill from them in SIX years since the date of service.
2. They have NEVER contacted me prior ( EVER ) with ANY kind of communication prior to putting this alleged debt on my credit report not allowing my right of 30 days to be able to dispute it, by law.
3. After I called them on XX/XX/XXXX, I did NOT receive any correspondence validating the alleged debt and/or proving it was indeed mine. By law, they should have sent something within 5 days!
4. On XX/XX/XXXX and XX/XX/XXXX, illegally and knowingly accessed my credit report fraudulently, without ANY permissions from me ( written or verbal ).
5. Lastly, according to State of Ohio Law, there is a statute of limitations of 6 years. Just one ( XXXX ) and two days ( XXXX XXXX ), after the statute of limitations expired. So, ANOTHER law that was violated by Commonwealth Financial Systems Inc.

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So, in summary, this is either a debt owed by my ex-spouse, XXXX XXXX XXXX ( date of birth- XX/XX/XXXX ), or this is a scam.

This ” alleged debt, ” which is definitely NOT mine, has taken a serious negative toll on my credit! My credit score has decreased dramatically due to the illegal practices of Commonwealth Financial Systems Inc! I have also seen dozens, if not hundreds, of similar complaints on the XXXX, and other consumer websites, along with the State of Colorado ( where I live now ) and the State of Ohio ( where the alleged debt occurred ) Attorney ‘s General Office websites. How in the world is this company, even remotely, allowed to stay in business??? Continuing to use illegal tactics to attempt to scam thousands of people out of there hard earned money? Just as a side note, I currently am disputing this alleged debt with all 3 credit bureaus.
I just hope the CFPB can and will be able to do something about this company.
Thank you for your time.

Company: Commonwealth Financial Systems, Inc.

State/Zip: CO 805XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3104328

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