Commonwealth Financial Systems Phone Harassment?

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by | May 19, 2020 | FDCPA

Commonwealth Financial Systems Phone Harassment?

Are you getting very frequent calls from Commonwealth Financial Systems (CFS)?  Have you had to endure Commonwealth Financial Systems phone harassment for some time now? Debt collection harassment is against the law and if Commonwealth Financial Systems or any other debt collector is harassing you, you can put a stop to it.

Commonwealth Financial Systems is allowed to call you if you owe but they should not be threatening or harassing you. What you must know is that you possess the legal right to stop Commonwealth Financial Systems’ phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees, alongside other costs.

Why is Commonwealth Financial Systems calling you?

There are different types of collectors. First-party agencies, third party agencies, and Debt buyers. When you fall behind on your bills and are unable to pay the debt early, the case is reported to a legal entity as delinquent debt. A delinquency is a situation whereby an individual or organization on the basis of a contractual agreement is unable to settle a loan or debt on time. Debt collectors like commonwealth financial services are usually involved within three to six months of a debtor’s default. Examples of debts Commonwealth Financial Systems is tasked with retrieving include overdue payments on:

  • Credit cards.
  • Phone bills.
  • Auto loan payments.
  • Utility payments.
  • Back taxes.

A corporate entity finds it cheaper and hassle-free to contract debt collectors like commonwealth financial collections to recover unpaid debts rather than chasing a debtor all by themselves indefinitely. As a professional body, Commonwealth Financial Systems has all the tools necessary to track and monitor a debtor regardless of their location and change of basic information. Under a collection agency, a debt collector functions legally but there are situations where the rights of debtors can be tampered with which brought about the need for a Debt Collection regulatory law.

Debt Collection Regulation

In order to monitor the activities and excesses of debt collectors like commonwealth financial services debt collection agency, certain agencies operate to enforce laws that regulate their activities. One among such agencies is the Federal Trade Commission (otherwise known as the FTC). The Federal Trade Commission is charged with the enforcement of the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from being abusive and ill-mannered in their activities. Commonwealth Financial Systems’ debt collection activities are regulated by the FDCPA. If you are harassed or abused during a Commonwealth Financial Systems debt collection proceeding, your rights may have been violated.

Commonwealth Financial Systems’ debt collection process should be simple and void of any form of harassment. The FDCPA restricts commonwealth collections from going to certain lengths in their quest to recover debts. Commonwealth collections are prohibited from using deceptive, abusive, and manipulative methods in their bid to recover a delinquent debt from you. What this means is that if commonwealth financial services:

  • Lies to you about their identity or details of your debt,
  • Uses profane and obscene words when talking to you,
  • Calls you at odd hours of the day,
  • Threatens to bring you harm,
  • Or harasses you in any other way.

They have violated your rights and you may be able to sue them in exchange for monetary compensation. Contact us today at 877-700-5790 to help you.

Is Commonwealth Financial Systems a Scam?

According to the Better Business Bureau website, Commonwealth Financial Systems has been in business for 17 years. During their time in operation, there have been 451 complaints filed against CFS with the BBB. Read more about it here: Commonwealth Financial Systems Better Business Bureau

Who is Commonwealth Financial Systems?

Commonwealth Financial Systems is a third-party debt collector located in Scranton, Pennsylvania. They have been sued in federal court over 540 times for violating consumer’s rights while collecting on alleged debts. Among the numerous alleged violations, Commonwealth Financial Systems has been sued for using robocalls and harassing third parties while trying to collect on an alleged debt.

Commonwealth Financial Systems phone number:

Address: 245 Main St

Dickson City, PA 18519-1641

Phone: (800) 848-2170


Commonwealth Financial Systems Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

800-848-2170, 570-347-1115, 208-758-0312, 210-853-2334, 214-484-0014, 217-883-4743, 225-341-1102, 309-517-0795, 321-250-7016, 321-250-7031, 330-474-0430, 405-273-4577, 410-505-5306, 513-257-0188, 570-330-0800, 570-342-1600, 570-347-1115, 570-383-3981, 570-558-9513, 570-558-1634, 570-963-1644, 702-576-0635, 713-936-2285, 706-510-3129, 800-835-8985, 800-848-2170, 856-412-8393, 866-227-9324, 866-927-9347, 916-476-2388, (800) 848-2170, (570) 347-1115, (208) 758-0312, (210) 853-2334, (214) 484-0014, (217) 883-4743, (225) 341-1102, (309) 517-0795, (321) 250-7016, (321) 250-7031, (330) 474-0430, (405) 273-4577, (410) 505-5306, (513) 257-0188, (570) 330-0800, (570) 342-1600, (570) 347-1115, (570) 383-3981, (570) 558-9513, (570) 558-1634, (570) 963-1644, (702) 576-0635, (713) 936-2285, (706) 510-3129, (800) 835-8985, (800) 848-2170, (856) 412-8393, (866) 227-9324, (866) 927-9347, (916) 476-2388, 8008482170, 5703471115, 2087580312, 2108532334, 2144840014, 2178834743, 2253411102, 3095170795, 3212507016, 3212507031, 3304740430, 4052734577, 4105055306, 5132570188, 5703300800, 5703421600, 5703471115, 5703833981, 5705589513, 5705581634, 5709631644, 7025760635, 7139362285, 7065103129, 8008358985, 800-8482170, 8564128393, 8662279324, 8669279347, 9164762388.

If the answer is yes, then you are receiving calls from a known CFS number. You may be a victim of CFS phone harassment.  The list above is not all the numbers that CFS uses. The calls can be from a different number and still be Commonwealth Financial Systems calling you.  You should know that you do not have to live with this situation; contact our team of qualified attorneys right away for immediate assistance.

The following is a sample list of complaints filed against Commonwealth Financial Systems in the past year and can be found on

2:18-cv-00492-DRH-GRB Navas v. Commonwealth Financial System, Inc. et al

2:18-cv-02069-CSB-EIL Gould v. Commonwealth Financial Systems Inc

4:17-cv-00913-O Thompson v. Commonwealth Financial Systems, Inc.

3:18-cv-01516-B Mulvey v. Commonwealth Financial Systems Inc

8:19-cv-00202-VMC-SPF Whalen v. Commonwealth Financial Systems Inc.

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the harassment from commonwealth financial collections. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.


Check out the links below for more information:


Pennsylvania Attorney General

Consumer Finance

Stop calls from Weltman Weinberg & Reis

Commonwealth Financial Systems Phone Harassment