I received a call from this company when the call was answered a polite gentlemen called me by name, then they (representative) asked me if I called or did we (commonwealth Financial) call you? I told him that I was indeed calling them back because when I tried to answer the call my Bluetooth was on and it kept intercepting my calls. Finally I figured it out and turned my device off and called them back at which time I was suspicious because the rep just said we apologize it was our mistake we'll take you off our call list.
First off, he new my name 2. I think I've seen them on my credit report, 3. the quick way they said they'd take me off their call list after they said it was their fault, they supposedly dialed my number by mistake. To many inconsistencies .
Those of you who posted about Commonwealth Financial, thank you. My eyes are OPEN.
Thanks so much Michael for this information. After catastrophic illness, blindness and cancer, and nearly loosing our home, sold our cars, depleated our substantial savings and most of our IRA's we have finally landed on our feet. Kind of. There are still a few out there cropping up and they seem to break all the rule.
P.S. If I don't know the number, I don't answer, PERIOD!!! If their call is sooooo important, then they will leave a mssg. MOST do not even leave a mssg!!! So I am off the hook!! pardon the pun!!! None of my debt, past, present or future, is big enough to take to court!!!! None of them do!! Even while I have told some of them "take me to court! I want you to!! Because when I tell the judge of your endless harassment, the counter suit will cancel the debt!!" LOL But they never take me to court!! LOL There is much much more to life than money!!! When I die, my money and/or bills are NOT going with me!!!! I don't worry about it!!!
However, if the debt is very old, I think more than 10 yrs, it cannot show up on your credit report, you can have it removed, and you do not have to pay anyone for any of it!!!! I had a 30+ yr old debt that someone was trying to collect on!! I told them off but good with my knowledge (I consulted with a lawyer) and they nor anyone else has ever tried to collect on that debt since!!!
This number just called my work line immediately asking for the last four didgits of my SS#! Really???? I said no I said identify yourself kept on asking for last 4 of SS# I said NEVER going to happen. To which she said let get my supervisor on the line I replied I donlt care if you get GOD himself your not getting my information.... And then they hung up. BEWARE do not give anything to these people!!!
Rejected, flagged, banned, blocked, reported.
Getting the same kind of calls about an emergency room bill. Blue Cross never heard of that doctor, and I have asked them *three times* to mail me proof of what this doctor is supposed to have done, and they have not, they just start calling again after a few weeks each time.
Now I have just programmed the number as a contact on my cell phone, labeled it "Medical Scam", and set the ringtone to "no ring". They can call as many times as they want, I can ignore it.
Got a call from 570-330-0815 today. First thing I do when I get a call from a long-distance or "800" # is GOOGLE it! From the previous posts, people say it's AT&T, NCO & Commonwealth Financial. I blocked my number and called. A man answered "Commonwealth Financial".
My suggestion is that you NEVER call directly but block your number. If they get to talk to you they could trick you into "re-activating" an old account that the Statute of Limitations has expired on. I DON'T EVER TALK TO THEM! NEVER put yourself in a vulnerable position to get trapped into admitting anything...just a little trick I learned over the years...hope it helps.
Oh, another really cool idea...download Call Blocker x-Adv 4.X for your Smart Phone. It may work on iPhones also but since I don't have one I can't say for sure. It's really easy to add unwanted calls to this app & your phone will ring only once and get ZAPPED! I love to see a blocked call come in & get blocked!
The are still calling me about this supposed hospital bill. I checked my records and wasn't even in the hospital on the date(s) they are trying to tell me that I owe money for. The are rude, bottom feeders and will call you all times of the day and night. They still insist they sent me a letter in reference to said bill and that I am lying when I tell them I haven't received the letter.
They keep calling me about an emergency room bill. I repeatedly told them I want something in writing, which they claim they have mailed me. Baloney. They want me to set up a payment plan. I told the guy no not until I see something in writing informing me what they are talking about.
I was on the other line and this number called my cell phone. I called it back and it sounded like a call center in the back ground, when I asked if someone had called me they hung up on me.
This is a scavenger debt collector. =They buy "old debts" for a penny on the dollar. They like to harass ANYONE, whether it is the debtor or not.
Love to harass old people. Also like to tell ma and pa that their adult child left this delinquent behind and unless the parents settle up they will be forced to RUIN junior's credit... (Junior probably did not have the debt in the first place. Somebody with a similar name is the real debtor.)
In other words, if somebody answers a call they will harass them, debtor or not.
Commonwealth is always willing to "make you a deal. Will settle for 40% of the debt." What they won't say is they will transfer the balance to a "sister company" and Northeast Financial will harass you for the ENTIRE DEBT AGAIN!!!
1. ALWAYS, I mean ALWAYS!!! tell a debt collector you will not consider paying unless they mail you a copy of the document with your signature which obligates you to pay. (Debt collectors will not have it. Debts so old the documents are LONG GONE. They will dance around the issue, so STAND FIRM!!! It is their obligation!
2. Get the collections outfit to give you the agreement in writing if you do owe it and decide to pay it. People lose documents as well and debt collectors know in 24 months a former debtor cannot locate his documents/prove he paid. SO KEEP THEM FOREVER!!!
Don't expect the Federal government to be any help with the Fair Debt Act or the Fair Credit Reporting Act. The bureaucrats are asleep on the job. Won't offer any assistance. Would be surprised if they even reply to your appeal for help.
This number keeps calling and hung's up !! Please stop !!
In recent years, third party debt collectors have been buying up old debt for pennies on the dollar and telemarketing collection calls to debtors to get what they can from their "investment". This old debt is sometimes legit, sometimes not (expired statute of limitations for example). In parallel, scammers have also been making extortion calls using bought/stolen/phished loan data, sometimes to debtors who may or may not have already paid off their debt, sometimes to random people, while pretending to be legit debt collectors. Problem is, both employ similar tactics to scare debtors/victims into paying legit/fake debts. If you don't have debt, you know for sure your caller is a scammer. If you have debt, you have to figure out whether it is a legit third party collector or a scammer -- not a comfortable position to be in but here's how you can perhaps tell the difference:
The FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf treats the INITIAL CONTACT between collector and debtor (first call, first letter, first whatever) as a special event. Legit collectors per section 809 of the FDCPA *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Note that 3,4,5 must be done *IN WRITING* so you will need to ask an address from your collector. If s/he refuses to give you one for any reason, treat the collector like a SCAMMER.
The collector can threaten court action at initial contact but the FDCPA requires that the collector actually take you to court if the collector threatens it. Threatening court and not going through with it (coercion) is illegal.
If they say the FDCPA does not apply to them because they own your debt, the debt-owner exemption only applies to the original owner. A 3rd party who buys the debt for the purpose of collecting debt is treated as a debt collector and not an owner and must obey the FDCPA as explained in this FTC Staff Opinion letter here http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm
You can tape phone calls per your state law described here http://www.fairdebtforconsumers.com/Recording-Laws-Summaries.html
You can tape, then sue collectors (google "fdcpa attorney") for violations described in sections 805, 806, and 807, per section 813 of the FDCPA.
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint with your state AG.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
The debt collection process explained in plain English http://www.consumeraffairs.com/debt/fdcpa.html
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The FBI warns again http://www.fbi.gov/news/pressrel/press-releas ... nt-payday-loans
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG http://www.naag.org/current-attorneys-general.php as appropriate.
They have been trying to get a hundred and twenty dollars for a hospital bill back in 2010. One for 64 and the other for 56. Never heard anything from the hospital about this.. No thank you. Just do not trust them.
I'm receiving calls from this number everyday. I have never answer and they keep calling me. I don't know why they are calling though. I'm receiving a lot of calls from so many different numbers and they are debt collectors, the funny thing is they say my name and everything and I don't even know those "accounts" that they talked about. It's so annoying.
I am getting these calls all the time. I made the mistake answering it and they say I owe money for a credit card 10 yrs ago. He ask me to do a settlement and I laughed. I told him I am not paying when I have no debt and he told me to prove that I paid it off. I hung up on him and he called me 3 times in 2 minutes. If I didn't answer the first time, why keep calling. They are the biggest scam. I called my attorney and he is dealling with them so if they call me back I will sue them for harassment.
Same here, just called them back and they started speaking in spanish, and pretended they didnt know any english. Huh????? The person they are looking for never lived here, I don't know them, and they are harassing me. I don't know who to call, my friend said the attorney generals office. I think I just might. This is ridiculous. It's harassment at this point. I don't even know this person they are looking for and she calls me her name. She needs mental health therapy.
"Brian Martin Wells" telling someone at my number to call him back and gives the same number I stated before. The dude can get bent. I don't understand these idiots. Why can't they just say what they are calling about, like a bill that's owed to some other company.
Yes!! Same thing just happened to me. Thanks for this!
Very rude caller & then hangs up
Someone from this number keeps calling me looking for a Robert Langdon and leaves a message saying if it's a wrong number to call him back and let him know. Suspecting foul play that it's just a ploy to get me on the line so he can harass me about paying money I supposedly owe, I look online and sure enough it's a debt collector. I'm guessing the guy calling me reads alot of Dan Brown.
We keep receiving these phone calls and neither my husband nor I have any debt. I finally got so fed up I called the police in Dickson City, PA and filed a complaint. They actually went to the company (commonwealth Financial) and told the people that they need to stop harrassing me. The GM called me right away to apologize profusely and claim that any employee who is using these threatening tactics will be fired. He is apparently new and trying to make the company better. He also ensured that all of our numbers would be removed from the list and no one should call us again. We can only wait and see what happens. In any case I strongly encourage anyone in this same situation to call the police in that city and also file a harrassment file with your own magistrate. That is the only way that we can get these people to stop with these illegal and annoying phone calls.
Here's how you file an official complaint with the FCC:
Takes about 5 minutes to do.
Keep getting calls for this number. Finally called back. Company was asking for "Holly" Advised my name isnt Holly. Rep kept calling me Holly. Called back again after I requested my number to be taken off their call list. Very rude.
This number called my home, which I have an unlisted number, and was extremely rude and ignorant. When I told them there was no one here with the name they asked for, he got very rude and hung up. I want them reported to who ever can prosecute them!!!!!
I received a call from 570-330-0810 asking for a person who does not live here. When I tried to tell them that, they immediately called me by that person's name so as to say I was lying. I called the number back to report the rudeness and was informed that no way was I called from that number because my number was not in their system - funny - that I used the redial on my phone proving they did call me.
They have called me numerous times on my cell and work phone. it's always the same man and says that he is from commonwealth financial.. i have given the number to my bankruptcy attorney. i should not be receiving calls from anyone. He always hangs up on me.
told me i owe them $16 dollars for an appointment in Scranton last August that I never attended.. wanted me to give them my credit card number over the phone - told them I lost my credit card and to send me a bill and the caller became very rude and irritated.. WTF??
I have had several phone calls from these people. I don't know them and they want personal information like our social security number, etc. Don't give any information out to no one. The person they are asking for doesn't even live in the house. I don't know them, but they keep on call the phone.