This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 3,568 complaints

Commonwealth Financial Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade F.

Complaints by issue type

What consumers report about Commonwealth Financial Systems, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record commonwealth-financial-systems-inc Commonwealth Financial Systems, Inc.

Grade F · 3,568 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed · vol #48 · compose #434

  • VOL 3,568
  • GRADE F
  • 12MO 0
  • STATES 52
  • TIMELY 95%
  • DISPUTE 31%
  • ISSUE Attempts to collect debt n…
  • RANK #48
  • COMPOSE #434

Volume peers

Nearest volume peer: Ability Recovery Services, LLC (3,330 complaints)

HCFS Healthcare Financial Services of TeamHealthHCFS Healthcare Financial Se…3,327Ability Recovery Services, LLCAbility Recovery Services, L…3,330Commonwealth Financial Systems, Inc. (this)Commonwealth Financial Syste…3,568Sequium Asset Solutions, LLCSequium Asset Solutions, LLC3,830The CBE Group, Inc.The CBE Group, Inc.3,842
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Commonwealth Financial Systems, Inc.'s 3,568 CFPB complaints sit next to Ability Recovery Services, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 3,568 complaints break down

Every complaint issue type on record for Commonwealth Financial Systems, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.8/100
Commonwealth Financial Systems, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
3,568
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
95%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
31%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Florida is the plurality state for Commonwealth Financial Systems, Inc. (23.6%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Florida 23.6%
Mid-band (15–30%) · 52 states with ≥1 filing
Seasonal peak
2025-12 9.8%
8–15% band · 14 filings
Corpus ranks
#48 volume
#434 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Commonwealth Financial Systems, Inc. compare to its peers?

How does Commonwealth Financial Systems, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Commonwealth Financial Systems, Inc. National average
Complaints (last 12 mo)lower is better
0
1,072
268
Timely-response ratehigher is better
95%
98%
91%
Consumer-dispute ratelower is better
31%
32%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Commonwealth Financial Systems, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 92%94%96%98%100%102% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Commonwealth Financial Systems, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Commonwealth Financial Systems, Inc.Ability Recovery Services, LLCHCFS Healthcare Financial Services of TeamHealthThe CBE Group, Inc.NRA Group, LLCTD BANK US HOLDING COMPANYSource Receivables Management LLCNavient Solutions, LLC.Capio Partners, LLCAmsher Collection Services, Inc.
Source: CFPB Consumer Complaint Database

Commonwealth Financial Systems, Inc.'s complaint volume in context

Commonwealth Financial Systems, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

3,568 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Commonwealth Financial Systems, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-03 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
1,333
Written notification about debt
780
Cont'd attempts collect debt not owed
586
Disclosure verification of debt
288
False statements or representation
225
Took or threatened to take negative or legal action
151
Communication tactics
144
Improper contact or sharing of info
27
Taking/threatening an illegal action
19
Threatened to contact someone or share information improperly
15

Where do complaints against Commonwealth Financial Systems, Inc. come from?

Commonwealth Financial Systems, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Commonwealth Financial Systems, Inc.

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Commonwealth Financial Systems, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3,568.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.49019607843138%.

4 peers

Know your rights before responding to Commonwealth Financial Systems, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.