Commonwealth Financial Systems, Incorporated

I just saw this company in my credit report twice, literally back to back! I don't owe anyone money, so how was an account in my name opened through this company?! Also, don't you need my SSN for this? I did not give permission for any "collections" company to obtain and use my SSN number. I want this off of my credit report. Especially since you can't open two separate accounts and post it to my credit report. What the hell!!!
9 years ago (18-10-2017)

They are a 3rd party and have to pay the original creditor for your account. Thing nobody realizes is that you only have to pay them what they bought the account for. Which may be a total of $25 dollars. Which is voidable because they did not tell you the whole truth. You do not have to pay anyone who was not privy to the original contract. Was there really a contract? Two men must sign to make it a contract. Not a Corporation and a man. Two men to make it lawful. Third parties are also not privy to your SSN. so how did they file this?
9 years ago (08-05-2017)

These "people" who are hiding behind a number that's "not in service at this time" will call your home at the crack of dawn, or before, they will place medical bills YOU'VE ALREADY PAID ON YOUR CREDIT REPORT!!! The reps who do speak to you have NO experience in customer service and couldn't care LESS about helping anyone with anything. I feel positive that the envelope I got from PA was the VERY same group of people now harassing me on the phone now--STOP THE HARASSMENT, NOW!!! Ya'll don't even deserve 1 star, but your form wouldn't give me the option of choosing just 1/2 star or none at all~~imagine that!
9 years ago (28-04-2017)

Paul worked with me and made payment arrangements. Gave me a 50% discount on balance owed. These were medical payments rejected by my insurance company in 2011, which were never brought to my attention. He is also removing the debt from the credit bureaus.
9 years ago (04-05-2017)

I have been rebuilding my credit for several years now so I monitor my reports daily. I noticed one day my credit score had dropped by 36 points in less than 24 hours. Upon further research I discovered that this company had somehow fraudulently obtained a debt that I had already paid off several years ago (2013) and somehow had dinged my credit. I immediately began digging and doing research on this company and it's parent company that it supposedly bought the debt from (medical debt).Once I finally got in touch with these people at CFS, they were extremely rude and borderline disrespectful to me. Even after I told them I had paid off the debt and had receipts to prove it, they stated that "it's not our problem, the debt showed up on my desk, that's why I'm calling you, are you going to pay it or not"? That was the last straw, I contacted all 3 of my credit reporting agencies and disputed the item as a fraudulent charge. I got the finalized report today from Experian (received TransUnion last week) that the charge has been removed off of my credit report. Don't bother arguing with these people, they won't bother working with you. Just go straight to the credit reporting agencies. As of this afternoon, my credit score has gone back up the 36 points that it dropped in the beginning. Good luck everyone!
9 years ago (08-04-2017)