Commonwealth Financial Systems

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Northeast Credit and Collections
Address   20 N. Keyser Avenue
City Scranton
State Pennsylvania
Zip Code 18508
Phone   800-835-8985
Address 245 Main St.
City Dickson City
State Pennsylvania
Zip Code 18508
Phone 570-347-1115
Fax 570-963-1644
Website http://www.necredit.com

Is Commonwealth Financial Systems bothering you about debt that you do not owe?

Are you exhausted from endless calls from Commonwealth Financial Systems about debts that you do not recognize or owe? Francis & Mailman fights against those companies that use harassing or using abusive tactics when they call you.

Credit report errors and false debts can be consequences of someone stealing a person’s identity and creating loans or accounts where criminals will use your personal information for purchasing and leave you with debt.

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Contact Us About False Debts with Commonwealth Financial Systems

It is time to use Francis & Mailman group of attorneys on your side to help people resolve errors on their credit reports. Call at 877-735-8600 for a free case or fill out a free case review form.

  1. Tabatha says:

    I was cursed at by a Commonwealth Financial Systems supervisor and hung up on when trying to pay back a debt.

  2. Diane Stover says:

    “Stop calling my cell phone# (610-324-6965) for Stephen Weber. Stop sending his mail to my address.
    This is a written warning of which a copy is being forwarded to my attorney. If they continue to contact me in any way, they will be in direct violation of the Fair Debt Collection Practices Act and I WILL take legal action.”

  3. Robert J says:

    Kept calling me about debt of someone elses until I showed up at their building with all my identification. They have not called me since.

  4. Dianne says:

    Calls to my cell phone trying to collect on medical debts – one from 2005 and one from 2003. I have no such debts – but a Mr. Black from CFS became extremely disrespectful, cursed at me and chastised ME for being harsh. Hung up on me. Who are these people??

  5. Mandi says:

    Disrespectful, nasty, demeaning. All they do is yell, scream, threaten and hang up on you. I was trying to settle a debt and this is how I was treated…even by someone who called themself the vice president…Mr. Farley, as well as his cohort Mr. Simms. I have worked with many companies attempting to settle my debts and clean up my credit and I have never had a problem until I encountered these people. They have violated more than one FDCPA law in their dealings with me during the past 3 days. These people should be fed to the wolves.

  6. Frank says:

    “Who are these people”?—They are Nobody Important…Just your run-of-the-mill-scam-artists…..Just tell them that you are referring the entire matter to your State’s Attorney Generals Office—And —watch them RUN!!! They won’t call you anymore after that…But–by all means, —do turn them in…That is how we stop these kinds of dogs—-and illegal predators..

  7. Jack says:

    I receive a bill in the mail every month with interest and they call throughout the week and weekend with recorded messages asking to speak with me. There was only one person that I actually spoke with but he was unable to tell me what was purchased, when it was purchased, or even a signature that I made the purchase. They refuse to tell me! I have contacted the three credit agencies to resolve the negative impact on my credit report. Pennsylvania law has not done enough to remove them from operating a business in the State of Pennsylvania. The messages that I receive are also from the same person but indicates that Joel Rothstein or Seth Shapiro is calling. I believe that these names are ficticious and illegal to use a false name. I will continue to fight until they are out of business.

  8. Seth says:

    Resorted to insults and scare tactics when I simply asked for a validation. Gave legal advice without a law license. Proclaimed in a menacing tone that he WILL get paid. Give me a break.

  9. Joe says:

    I tried to fight back against them and mr farley had a sherrif lock my bank account and they took almost 10k! I needed that money for my daughter’s tuition….

  10. Lady D says:

    I received a letter from a mediation resolution company stating that they would represent me against this company. Also, in the same day received a notice to pick up a certified letter from a Common Please court. Just how far will these people go…..

  11. Sally says:

    Does anyone know the e-mail address for Patricia Cobb? She is listed as the EVP and attorney for Commonwealth Financial Systems. When I try to get in touch with her I am hung up on. If messages are left she does not call back. Commonwealth is trying to collect on a debit already settled with another collection agency.

  12. Heather says:

    I have been making payments every month for a year to pay off a debt, the amount i’ve been paying is the amount i was told to pay & that it wouldn’t increase-yesterday i get a call at work no less from an extremely rude man named Daniel who informed me that my payment amount is no longer acceptable and that in order to avoid having a judgment executed against me, my payment per month must be triple the amount i’ve been paying!! I explained that i simply can’t afford to do that, i make barely above minimum wage and that i am the only person working in my family of 5. He said he’d take my tax refund, and execute a judgment if i don’t either pay 3700.00 by feb 17 or raise my payment from 51.00 to 198.00 per month. I was so upset & outraged by this, i’ve been paying them….he swore at me and was threatening me with all sorts of things. I’m not sure what they can or can’t do, so i just said fine i’ll pay the increased monthly payment-not sure how i’m going to do that, i just didn’t know what else to do…

    • Sher says:

      You DO NOT have to pay them anything! Especially if you are making little more than minimum wage. Let them take you to court (they most likely won’t) especially since you are paying on your debt and they have accepted the amount you are paying.
      By law they can’t take your tax return unless you owe the government or child support.
      If they were to receive a judgment against you, they would then have to get a judge to execute a writ of garnishment; they would not be able to take more than 25% (in most states) of your net income which in your case they would probably get next to nothing. These people are vultures who get a commission from what is collected; will stop at nothing to make you believe they can do all sorts of things to you when in reality all they can do is call you; harass you.
      My opinion…..if you don’t recognize the # DON’T answer the phone. If by chance they do take you to court show up fight them!

  13. hause says:

    All I can say. Pay your bills.

  14. Tonyc says:

    I got a call from these people and called back cause they were listed on my phone for the past 2 weeks…5164908107…
    They did NOT know who I was,they did NOT know my address and I just pulled my credit report cause I am going for a loan…these people are scam A****S ..DO NOT give out your SS# when asked..let them give YOU the information…and I do NOT owe the 17K PLUS 6K in interest from 1995!!..if they are thinking about a Bankruptcy I did over 20 years ago, it was for less than 18K!!..and they are not allowed to collect on that.
    be ware..Times are bad!

  15. L.Zarus says:

    Kept calling me about debt of somebody else despite my warnings. I will report them to the appropriate govt. authorities!!!

  16. paige says:

    I had a visa card, i piad commonwealth but never received my payment in full. I CALLED THE BANK TO DISPUTE MY DEBIT CARD PMT THE MONEY WAS DEBITED FROM THEIR ACCT. THEN I FINALLY HEARD FROM COMMONWEALTH, WHICH I COULDN’T ONCE I HAD PD. MY BALANCE. THIS TIME COMMONWEALTH YELLED, TRIED TO SAY I WAS GOING TO A MAGISTRATE AND BE SUED FOR FRAUD. THEY ASKED FOR A CHECK BY PHONE AND I HAD TO CALL THE BANK TO MAKE SURE THE CHECK WOULD BE PD. I WANTED TO PUT THEM ON 3 WAY CALLING,BUT HE WAS TOO BUSY. I EMAILED MY BANK AND CALLED TO INFORM THE BANK TO PAY THE CHECK COMING THROUGH MY ACCT. THE CHECK CLEARED BUT THE NEXT DAY THE CHECK WAS RETURNED DUE TO A BANK ERROR OF NOT TAKING OF THE DISPUTE. I CALLED EARLY IN THE MORNING, THE MAN I WANTED TO SPEAK TO WAS NOT IN YET. SO THE MAN THAT ANSWERED STAYED ON THE LINE AND I CALLED THE BANK TO CONFIRM IT WAS OK FOR THE CHECK TO BE DEPOSITED AGAIN!!!!! THE BANK SENT ME AN E MAIL OF APOLOGY FOR NOT PAYING THE CHECK. ONE HOUR LATER, THE MR.________ CALLED
    ASKED ME WHAT WAS UP, AND THEN SAID I OWED HIM 40.00 EACH RETURNED ITEM , AND MAYBE MORE THIS TIME. I PUT HIM ON HOLD TO CALL MY HUSBAND ON HIS CELL PHONE.WHEN I CAME BACK HE WAS JUST SLAMMING THE PHONE DOWN!!!!! I CALLED MY VISA COMPANY, AND THEY HAVE NEVER HEARD OF COMMONWEALTH FIN. SYS. I HAVE A THREE WAY CALL TO MR.——– AND HE SAID NO WAY , HE HAD CONTACTED AN ATTORNEY AND I WAS GOING TO COURT TO BE SUED. THE COMPANY HAS THIS ON RECORDING. THEN MR——SAID SOME SMART REMARKS AND HJUNG UP AGAIN. \I WAS TOLD COMMONWEALTH TOOK A LOWER AMT TO SETTLE BECAUSE THEY DO NOT HAVE ANYTHING TO DO WITH MY ACCT. HE WANTED 80.00 AND NOW GETS NOTHING??? AM I WRONG TO HAVE BELIEVED ??? WHY WOULD HE NOT SEN THE CHECK BACK TO THE BANK????

  17. cyndi says:

    i dealt with a Mr. Black from commonwealth. he was belligerent and told me he knew everything about me. he was trying to collect a debt that was 15 years ago. i have already paid him two thousand dollars before i was told that i could sue because of his inappropriate threats and harassment including being hung up on and threatening to take my property or garnish my wages. i am on social security and the other bank account is in my husbands name only.

  18. Amy says:

    Threatned to come to my house and take my belongings and offered me legal advice without a license

  19. Shawn Yeatman says:

    Had an original Debt to be collected on by Emergency physicians associates of south jersey for $207.00. The company called me on January 17, 2011 offered me a one time settlement of about $130.00(It was $129 with some change but dont remember the exact amount). I was told on the phone my financial responsibility was finished with the company and the debt would be taken off of my credit report within 30 days. I was then called by the automated dialing system 2 weeks later. Spoke with a representative that stated I would owe $15.70 more on the account that should have been closed out. I rebuked the amount and stated on the phone how my obligation was done. An argument ensued and the representative ended up hanging up on me. I obtained the telephone number for the company and called them back. I got on the phone with a base representative and asked to speak with a supervisor. The supervisor heard how I Had been hung up on and I explained the rest of the circumstances and was told the account would be closed out that I didn’t owe anything and that the debt would still be removed from my credit report within the first estimated 30 day time window. It is now April. They called me on April 18, 2011. The representative I spoke with told me I still had a debt of $15.70 and that there was no documentation on my account stating I had spoken to anyone except my original representative I made the payment with. The person claimed they have attempted to call me multiple times and have left voice mails for me. I check my voice mail everyday and have yet to receive one voice mail or any mail from the company. I then asked to speak with a supervisor. The supervisor told me that they had since fired the original representative because that woman I had made the payment with had been making many errors(The company admits they made a mistake and they aren’t willing to handle the issues that derive from it). I informed the supervisor of everything I Had already stated to other people. She told me I had to pay the $15.70. I then asked for someone higher. The woman that I was put on with, Karen (didn’t get last name), Argued with me on the phone and then stated she would disconnect the call if I didnt listen to what she had to say. She was screaming at me over the phone and did not want to hear anything I had to say unless it was here is my payment. Karen did claim though that the company would call more than once a day everyday till the $15.70 is paid. I told her how that is harassment. Had I dealt with my debt and how I am not paying an additional debt when their company made the error. So she hung up the phone

  20. Steve Johnson says:

    They have called me over 30 times in the past few weeks, never leaving a message and hanging up when I answer. Finally I talk to someone and the person they want is NOT ME. When I ask for a supervisor, they hang up!!! It’s a screwed up world where this company can prey on others misfortunes and HARASS people who don’t even have anything to do with it! These people should not have caller ID so we can call Harass them as they have done to us!!!!!!

  21. Ken says:

    I sent cease and decist letters to this company without resolve. They still call me and say they never recieved them. The lady also suggested I don’t try to open any more credit lines because the negative information on my credit report is preventing me from obtaining additional credit. This was a lie, I have excellent credit and the negative information was no longer on my credit report since no payments had been made for over 7 years. They have no legal way to collect on this account since the statute of limitations has expired in the state of PA. I am sending them one more certified letter to cease and decist. If they contact me after that, I am getting a lawyer to settle the matter.

  22. Rob says:

    I recieved a bill accumulated through a former spouse. The original bill was 4,195.00 now it is 9,885.00, the agreement was what ever I pay they will match it until paid off. Now 3,000 dollars later they give my account to another company which by the way does not comply with original agreement. So instead of being 6,000 to the good I’m stuck back at 3,000. The bait and switch is at it again, the company will get paid at my own time.

  23. Neva says:

    I just received a call from them that was for my son and not me. When I refused to give them his numbers they stated that they would continue the collection calls. I told them that I didn\’t want the calls and it was illegal. They hung up on me. I attempted to call back three times and they hung up on me then too. What kind of organization is this??? I have never had a company hung up on me. Commonwealth financialServices. I have not been able to get in touch with them to speak to a Supervisor.

  24. Samantha E says:

    Gabriel Martinez and Ashley Armstrong both took money out of my account and then failed to send me a written document stating my settlement offer. I went to the FTC, attorney general and suing small claims court

  25. MiMi says:

    For all those poor little cry babies that complain about how debt collectors speak to them here is a suggestion … PAY YOUR BILLS AND THE COLLECTORS WILL STOP CALLING!!! DUH!! MORONS!!!

  26. Mr Muhd Allam says:

    LESAH TRADING COMPANY SND BHD
    NO 32 TAMANLI HUA BINTULU 97000
    SARAWAK,MALAYSIA.

    Greetings Counselor,

    I am Mr Muhd Allam, I am a businessman and owner of the above
    named company from Asia and who apparently conducts his business in

    quieter ways.

    I come to you with a business matter that is unsettling my mind
    alot and with a view of seeking your assistance.

    I have some uncollected funds in the North America (USA)
    arising from some business transactions carried out this year.
    The payment is long overdue by more than 90 days.
    It’s really a setback I had not counted on, not small money you
    know.

    I want your legal advice and representation in recovering this debt.

    I await your reponse.

    Thank you.

    Yours faithfully,

    Mr Muhd Allam
    For: LESAH TRADING COMPANY SND BHD.

  27. Mr Muhd Allam says:

    LESAH TRADING COMPANY SND BHD
    NO 32 TAMANLI HUA BINTULU 97000
    SARAWAK,MALAYSIA.

    Greetings Counselor,

    I am Mr Muhd Allam, I am a businessman and owner of the above
    named company from Asia and who apparently conducts his business in

    quieter ways.

    I come to you with a business matter that is unsettling my mind
    alot and with a view of seeking your assistance.

    I have some uncollected funds in the North America (USA)
    arising from some business transactions carried out this year.
    The payment is long overdue by more than 90 days.
    It’s really a setback I had not counted on, not small money you
    know.

    I want your legal advice and representation in recovering this debt.

    I await your reponse.

    Thank you.

    Yours faithfully,

    Mr Muhd Allam
    For: LESAH TRADING COMPANY SND BHD.

  28. Constance Vogt says:

    They illegally levied my pension account which violated the Fair Debt Collections Practices Act.(Pensions are exempt from creditor collection under the law.) They also illegally levied a JOINT account I have with my daughter. I claimed bankruptcy to get a case number to get the levies off. This worked like a charm. However I did not hand in all of the paperwork so my bankruptcy case will be thrown out of court in a couple of days and my credit won’t take a big hit. I did not see them on my credit reports except for the court judgment they got against me. I will take them to court to vacate the judgment they obtained on the grounds of lack of personal jurisdicion. (They did not serve me with a summons to take me to court.) I also reported them to the Federal Trade Commission for the illegal levies. This debt isn’t even mine. I think it is a result of identity theft or fabricated by them. They claimed the last payment I made was in 1995. I never paid them anything and even if I did pay something so long ago, the statute of limitations is up. They claimed they sued me in 2008. Still, the statute of limitations was up when they sued. This company is a scam. Know your rights.

  29. George says:

    Commonwealth Financial Systems took more money then i agreed and come to find out i missed all my payments because they where trying to take more money and on the dates i didn’t get payed.they finale got 110 dollars and canceled my payment arrangement the took money and then cut me off it is a scam

  30. Joyce Gatto says:

    I owe the city of Philadelphia for parking tickets and they put a lein against me. They hired this collection agency to sell the contents of my home to recover the debt. I have to choose between feeding my children or loosing the beds they sleep in. What a city Philadephia is. Brotherly love unless you owe money. I am a single mother that works late and lives in an area with limited parking.

  31. lorna says:

    This company has been harrassing us for months and say they can only speak to my husband. I am assuming that they are saying we owe money for some service. We have never owned one dime to anyone. We are heavily covered by insurance. We have fullownership of everything we own. Yet they still keep calling at odd hours of the night and the day. they will not speak to me and my husband does not have time for this sort of illegal behaviour. they should ne terminated as a company of any sort. horrible.

  32. kevin lambrechts says:

    On 12/18/2013 I received a nasty phone call from Commonwealth Financial Systems. I was ask to verify personal information including my name address and social security number. As I always do, I refused to give even my name to someone I don’t know. I was shouted at and the person tried to get me as upset as he could…I have a heart condition (stents) just over a year ago. By the time I hung up I was feeling mild chest pains. As I began to calm down a little, I thought to take an extra asperin just in case. I was holding on to my medic alert pendant around my neck. I eventually calmed down and decided to verify the company name I was told…COMMONWEALTH FINANCIAL SYSTEMS. The next day I called the number in my phone and asked to speak to the boss. I described The preceding day’s call and he said he would take care of it. As The conversation continued I eventually verified my name because (Jason) told me what this matter was about. We worked out a three payment plan, and he agreed to accept 3 monthly payments of $113 beginning in the first week of February 2014. He called me today 1/3/14, to threaten and laugh that he was going to shock my credit by another 100 points saying I refused to pay. I don’t know how many illegal things they did to get my personal information, threaten me with telephone harassment, and intentionally try to upset me. I really felt as if they were more trying to kill me than collect a debt.

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