Debt collection -- Written notification about debt -- Complaint #7221308
Complaint Overview
Complaint ID: 7221308
Company: Commonwealth Financial Systems, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Texas
ZIP Code: 76208
Date Received: 2023-07-07T12:00:00-05:00
Date Sent to Company: 2023-08-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was made aware of a medical debt in XX/XX/XXXX on my credit report via XXXX. Commonwealth Financial Systems is attempting to pursue a medical debt from the year XXXX. Currently in the State I reside the statute of limitations to collect a medical debt is 4 years. being that date provided by Commonwealth as the date of service is XXXX they have exceeded the ability to collect. I have not ever received a bill or communications from this company or a bill for the monies owed initially. It states the status was " updated '' XX/XX/XXXX. I placed a dispute via XXXX. It came back as a " verified debt ''. They are displaying a medical debt on my credit report in XXXX from XXXX which is well past the 4 year mark of collections.
Frequently Asked Questions
What is Complaint #7221308 about?
Complaint #7221308 was filed against Commonwealth Financial Systems, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-07-07T12:00:00-05:00.
How did Commonwealth Financial Systems, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Commonwealth Financial Systems, INC.?
Yes, visit the Commonwealth Financial Systems, INC. company profile at readthecomplaint.com/company/commonwealth-financial-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.