Total CFPB complaints
3,570
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 3,570 complaints
Commonwealth Financial Systems, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Commonwealth Financial Systems, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,301 complaints
- Written notification about debt
Written notification about debt
755 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
533 complaints
- Disclosure verification of debt 192
Disclosure verification of debt
192 complaints
- False statements or representation 185
False statements or representation
185 complaints
- Took or threatened to take negative or legal action 121
Took or threatened to take negative or legal action
121 complaints
F
Grade F · 51.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Commonwealth Financial Systems, Inc.?
Commonwealth Financial Systems, Inc. has accumulated 3,570 total CFPB complaints across 52 states, with 0 filed in the most recent 12 months against 3,570 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 31% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by Florida with 843 and Texas with 719, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.0/100 places Commonwealth Financial Systems, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
52
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
31%
After company response
Reputation grade
F
51.0/100 composite
Response-quality profile
How Commonwealth Financial Systems, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 62.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Commonwealth Financial Systems, Inc. compare to its peers?
Commonwealth Financial… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-09 2024-11
Top Consumer Issues
Attempts to collect debt not owed1,301 (%)
Written notification about debt755 (%)
Cont'd attempts collect debt not owed533 (%)
Disclosure verification of debt192 (%)
False statements or representation185 (%)
Took or threatened to take negative or legal action121 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 873 |
| Written notification about debt | Didn't receive enough information to verify debt | 472 |
| Cont'd attempts collect debt not owed | Debt is not mine | 377 |
| Written notification about debt | Didn't receive notice of right to dispute | 283 |
| Attempts to collect debt not owed | Debt was result of identity theft | 218 |
| Attempts to collect debt not owed | Debt was paid | 210 |
| Disclosure verification of debt | Not given enough info to verify debt | 192 |
| False statements or representation | Attempted to collect wrong amount | 185 |
| Cont'd attempts collect debt not owed | Debt was paid | 156 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 121 |
Where do complaints against Commonwealth Financial Systems, Inc. come from?
The states where consumers have filed the most CFPB complaints against Commonwealth Financial Systems, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Commonwealth Financial Systems, Inc.
Across 52 states with at least one filing
- Florida
Florida
843 complaints
- Texas
Texas
719 complaints
- Georgia 252
Georgia
252 complaints
- California 142
California
142 complaints
- New Jersey 127
New Jersey
127 complaints
- Ohio 114
Ohio
114 complaints
- Tennessee 98
Tennessee
98 complaints
- Maryland 97
Maryland
97 complaints
Frequently Asked Questions
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 3,570 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: 51.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Commonwealth Financial Systems, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Commonwealth Financial Systems, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |