What is the most common complaint against Commonwealth Financial Systems, Inc.?

The most common issue consumers report about Commonwealth Financial Systems, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 3,568 complaints filed with the CFPB.

Are complaints against Commonwealth Financial Systems, Inc. increasing or decreasing?

Complaints against Commonwealth Financial Systems, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Commonwealth Financial Systems, Inc.'s reputation grade?

Commonwealth Financial Systems, Inc. has a reputation grade of F (score: 47.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Commonwealth Financial Systems, Inc. respond to consumer complaints?

Commonwealth Financial Systems, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 31% of cases.

In how many states does Commonwealth Financial Systems, Inc. operate?

Commonwealth Financial Systems, Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from Florida (843 complaints).

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

Commonwealth Financial Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade F.

Compiled by PlainCollector

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

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 #4343

VOL 3,568
GRADE F
12MO 0
STATES 52
TIMELY 95%
DISPUTE 31%
ISSUE Attempts to collect debt n…
RANK #48
COMPOSE #4,343

Volume peers

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

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 →

Filing geometry

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

Volume rank #48 and composite rank #4,343 diverge by 4,295 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #48 volume; #4,343 composite; Cleanest-composite ladder is 4,295 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

1,072

268

Timely-response ratehigher is better

95%

98%

91%

Consumer-dispute ratelower is better

31%

32%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

843
Texas

718
Georgia

252
California

142
New Jersey

126
Ohio

114
Tennessee

98
Maryland

97

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.