Commonwealth Financial Systems, Incorporated

Dear [redacted]:I will ask that a call be placed to [redacted] to make payment arrangement or she can reach our office at [redacted]ext [redacted].  This is the direct line to our floor manager, Mr. Scott T[redacted].  Once payment is posted, providing the paymentis not returned by NSF or a credit card chargeback, we will agree to delete the trade line from [redacted]'s credit history.Please feel free to contact my office with additional questions.This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be usedfor that purpose.Thank you.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted]Dear [redacted]:Unfortunately Commonwealth Financial Systems did not receive the fax that [redacted] states she sent on August 16, 2017.  She can refax directly to the Client Services department [redacted] to my attention.  We will need confirmation that...

Medicaid covered the date of service that is in collections, 3-11-2012.  Once received I will forward it to our client, [redacted].  At this time the account is being noted as disputed.  I apologize for any inconvenience that this has caused for [redacted].Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client ServicesThis is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

Dear [redacted]:
 
I am not able to obtain media from our client pertaining to the account that is under [redacted] name.  I have closed and returned
the account to our client, and CFS will send an update to the three major credit reporting agencies as a deletion.
Thank You.
This...

is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.
Sincerely,
Stephanie D[redacted]
Client Relations

re #[redacted]Dear [redacted]:Commonwealth Financial Systems mailed [redacted] validation of debt letter on 2-2-2017to the address that is listed in this complaint.  [redacted] also spoke to a representative from Commonwealthon 2-27-17 and states that she wanted to resolve...

the matter.  An itemized billing statement was mailed to her on 4-6-2017.The account has been listed as being disputed and [redacted] can reach our office by calling toll free [redacted].Correspondence can be sent to either our mailing address at [redacted] Dickson City, PA [redacted], faxed to the Client RelationsDepartment [redacted] or emailed to [email protected] you and please feel free to contact my office should you need further assistance.Stephanie D[redacted]Client RelationsThis is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

Dear [redacted]:With regards to #[redacted] $1335.00, Commonwealth Financial Systems has closed and returned this account to our client, [redacted].A copy of this complaint will be forwarded to our client.  [redacted] should no longer hear from our agency.  Also a deletion...

request will be forwarded to the three major credit reporting agencies.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

Dear [redacted],We previously requested that [redacted] please fax or email a screen-shot of the Commonwealth Financial Systems, Inc. line item as it appears on her credit report (to fax number ###-###-#### or email address [email protected].)  Since again, we have NO RECORD of an account in our system using the name/address/dollar amount provided, a view to the item as reported would be one way to isolate the account.The only other suggestion that can be offered is for [redacted] to call me directly at ###-###-####, ext. [redacted], and I will work with her to try to locate the account in our system.Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted]This letter is confirmation that a complaint was received from your office on behalf of [redacted].  On9-25-2015 [redacted] spoke to our manager, Mr. H[redacted], and indicated that she was receiving collectionactivity from another agency pertaining to the same...

account, CFS #[redacted].  At that time [redacted]advised Mr. H[redacted] that she was going to email him confirmation which we did receive later in that day.Our client, [redacted], requested that the account be closed because it was assigned toanother agency.  The account has been closed and returned to our client.  CFS will send an update to thethree major credit reporting agencies as a deletion.  On behalf of CFS and our client I apologize for any inconvenience this has caused [redacted]. Please feel free to contact my office with any additional questions.Thank You.Sincerely,Stephanie D[redacted]Client Relations

RE: [redacted], [redacted], [redacted], [redacted], and [redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Our recordsindicate that validation of debt was sent to consumer on all of the accounts listed above.  As per...

the request of the consumerI am closing the accounts and returning them to our client, [redacted].  In addition Commonwealth FinancialSystems will send a deletion request to the three major CRA's.  [redacted] should no longer hear from Commonwealth or any of itsrepresentatives.  Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client RelationsThis is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

[redacted]
[redacted]This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]  Please be advisedCommonwealth Financial Systems has mailed [redacted] an itemized billing statement.  The account is noted as...

disputed.[redacted] can reach our office by calling out toll free number [redacted].  Correspondence can be either mailed toour agency at [redacted] faxed to the Client Relations Department [redacted]
[redacted]Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]
[redacted]
[redacted] a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

RE #[redacted]DEAR [redacted]:THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR OFFICE ON BEHALF OF [redacted].I RECEIVED CONFIRMATION FROM OUR CLIENT, PENDRICK CAPITAL PARTNERS, THAT NO PAYMENTS WERE RECEIVED ON THE ABOVEREFERENCED ACCOUNT.  AN ITEMIZED BILLING...

STATEMENT WILL BE MAILED TO [redacted].  IF [redacted] HASPROOF OF PAYMENT HE CAN SEND IT TO OUR FAX NUMBER ###-###-#### OR MAIL IT TO [redacted] DICKSON CITY, PA [redacted].THE ACCOUNT HAS BEEN NOTED AS BEING DISPUTED AND WILL BE PLACED ON HOLD WHILE [redacted] REVIEWS THECORRESPONDENCE.  OUR CONTACT NUMBER IS ###-###-####.  PLEASE DO NOT HESITATE TO CONTACT MY OFFICE SHOULD YOU NEED FURTHER ASSISTANCE.THANK YOU.SINCERELY,STEPHANIE D[redacted]CLIENT RELATIONSTHIS IS COMMUNICATION FROM A DEBT COLLECTOR.  THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINEDWILL BE USED FOR THAT PURPOSE.

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Commonwealth Financial Systems.  Please be advised our office has closed and returned this account to our client, [redacted].  [redacted] should no longer hear...

from our agency pertaining to this account.  A deletion request will be forwarded to the three major credit reporting agencies anda copy of this complaint will also be forwarded to [redacted].Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client RelationsThis is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

Re:  [redacted] & [redacted]Dear [redacted]-[redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systemshas taken this complaint very seriously and forwarded it to our Executive Compliance Department...

for review.  The calls were retrieved and therewere no call violations found.  Commonwealth would like to thank [redacted] for satisfying both accounts.  Our agency will send a deletion request to the three major credit reporting agencies.  Please do not hesitate to contact my office for further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

Dear [redacted],Please be advised that the account referenced in this complaint, CFSI account # [redacted], was closed on August 10, 2017, in response to a CFPB complaint from [redacted] on this same account.  We requested at that time that it be deleted from reporting by the 3 major credit bureaus.  Having that request fulfilled on the bureau's end can take a little bit of time, but we assured [redacted] that our end had been completed as of the last complaint received.  Commonwealth Financial Systems, Inc. has not been able at any point to provide the requested signed contract between [redacted] and ourselves.  We are a third-party debt collector, and as such we do not have contracts directly with consumers.  We service accounts on behalf of our clients, who purchase debts from an original creditor or source.  Often in the case of medical debt, there is also no contract with the original creditor; imagining a scenario where one is attended to by various physicians during a hospital stay, there may be 4 or more doctors in attendance who all bill separately, and the patient does not sign a contract with any of them.  We send validation letters and itemized bills to consumers in order to provide them with the information necessary to investigate the accounts in their name that we are servicing.  All information that we provide is in accordance with FDCPA guidelines, as is our overall process.  If the consumer recognizes the debt and makes payment on it, it will be deleted from credit reporting upon payment/settlement of the account.  If the consumer disputes the account and provides all available documentation relating to the reason for dispute, it will be closed as a valid dispute and credit reporting will cease.  When no documentation is provided, that account could conceivably continue to be reported to the bureaus.  In the case of this account, we did send all available information to the consumer and did not receive any documentation other than [redacted]'s continued assertion that the account was not his. In response to [redacted]'s escalating complaints, we closed the account in question and will no longer service it.  It is my sincere hope that this information addresses all concerns in relation to this account, closed and returned to our client on August 10, 2017.Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted],Account #[redacted].  This account was been closed and returned to our client, [redacted],and a deletion update was forwarded to the three major credit reporting...

agencies mid August of this year.We have no control over how long it may take the Bureaus to remove the trade line.  I would suggestto ask [redacted] to check her credit history in 30 days and if it is still reporting as an open accountto file a dispute with the credit agencies.If this response is forwarded to [redacted] she should be aware that this is communication from a debt collector.This is an attempt to collect a debt and any information obtained will be used for that purpose.Thank You.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted] $491.00Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  The above referenced account was assigned to our agency for collections on June 6, 2017.  On June 14, 2017 our agency mailed [redacted] a validation of...

debt letter to the address that is listed in this complaint.  At that time we received no response from [redacted].  The validation letter states consumer has 30 days to dispute the debt.  We received a complaint from the CFPB on behalf of [redacted] in October of this year.  Commonwealth Financial Systems requested proof of debt from our client, [redacted].  The itemized statement was mailed to [redacted] on October 12, 2017.The account is currently noted as being disputed.  It would be helpful that [redacted] provide our agency with any correspondence that would verify thatthe debt is now owed or has been paid so that we may forward it to our client.  Our mailing address is Commonwealth Financial Systems [redacted] Dickson City, PA [redacted], fax [redacted], or email [email protected].  Our toll free number is ###-###-####, Mr. Robert H[redacted], Collections Manager.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client ServicesThis is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].I have notified our client, [redacted], of this complaint amd requested validation.  It is not noted that our office received copy of a police report. ...

If our client cannot provide media I will go ahead and ensure the accounts are closed.  The accounts have been placed in a disputed status.  Also if this response is forwarded to [redacted] she should be aware that this is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.Thank you and feel free to contact me with any additional concerns.Stephanie D[redacted]Client Relations

RE #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:Commonwealth Financial Systems mailed [redacted] validation of debt letters on each account.  Itemized statements were also mailed to her in January of 2017.  Our agency is collecting on behalf of CP Medical LLC. ...

#[redacted] was removed from [redacted]'s credit history due to the age of the service date, 10-29-2009.The service dates on the other three accounts are from 2011 and 2012 and is listed as being disputed.  [redacted] should provide to our office proof that she is not responsible for this debt so that we can forward to our client.  She can mail it to our office [redacted] Dickson City PA [redacted], fax it to the Client Services Department ###-###-#### or email it to [email protected].  She can also reach our office by calling our toll free number ###-###-####.Thank you and feel free to contact my office should you need further assistance.Sincerely,Stephanie D[redacted]Client ServicesThis is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

From: [redacted]<[redacted].com>Date: Fri, Aug 26, 2016 at 7:38 PMSubject: Fw: Complaint ID: [redacted]To: "[email protected]" <[email protected]>On Thursday, August 25, 2016 2:02 PM, [redacted] <[redacted].com> wrote:I accepted the offer to remove these from my credit bureau and mark as disputed.  However on last check of my credit bureau's this is STILL in collection status.

Re: #[redacted], #[redacted], #[redacted], and #[redacted], Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]. Account #[redacted] was closed and returned to our client in January of 2016.  A letter was mailed to [redacted]in...

February advising her that the account was closed and returned to our client, [redacted], andthat a deletion update was sent to the three major credit reporting agencies.  The other three accounts have openbalances with our agency.  Validation was mailed to [redacted] in January of 2016 and in addition itemized billing statementswere mailed to her in February of 2016.  The accounts have been placed in a disputed status.  [redacted] can reachour office at ###-###-####.  This is the direct extension for our floor manager, Mr. Scott T[redacted].   If [redacted]has documentation to verify she is not responsible for the debt she can also fax it to our office at ###-###-####.Please do not hesitate to contact my office should you need further assistance.Thank You.This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.Sincerely,Stephanie D[redacted]Client Services

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Validation wil be mailed to [redacted] at the address he has listed in this complaint.  The accounts have been placed in a disputed status.  Collection...

status will cease during the 30 day validation period.  [redacted] is free to contact our office at ###-###-#### if there are any questions or concerns.      Please feel free to contact my office with any additional questions.Also if this response is forwarded to consumer he should be aware that this is communication from a debt collector.This is an attempt to collect a debt and any information obtained will be used for that purpose.Thank You.Sincerely,Stephanie D[redacted]