Commonwealth Financial Systems, Incorporated

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I would like the documentation faxed to me at [redacted]. Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:Although I just received an itemized bill from them, it shows a ZERO balance, meaning that this balance has already been paid and that Commonwealth Financial needs to update their records!
Regards,
[redacted]

Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised CommonwealthFinancial Systems is going to close and return the account to our client, [redacted].   A copy of this complaint...

will be forwarded to our client as well. Commonwealth will send an update to the three major credit reporting agencies a deletion, however, we have no control over how long it can take the Bureaus to remove the trade line.Please feel free to contact my office with any further questions.Thank you.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted]:The accounts have been closed and returned to our client, [redacted] Partners.  Ms. [redacted] should no longer hearfrom Commonwealth Financial Systems pertaining to the accounts listed in this complaint.  I have also requested a deletionupdate be sent to the three major credit reporting agencies.Thank You.Stephanie D[redacted]Client Relations

RE: #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems mailed consumer a validation letter on June 13, 2016.  A deletion updatewas also sent to the three major credit reporting agencies on...

June 12, 2016.  In addition a request was placedwith our client, [redacted], for an itemized billing statement.  Once received we will mail it to [redacted].The account has been placed on hold during the investigation process.  Collection activity will cease.Our contact number is ###-###-####.Please feel free to contact my office should you need further assistance.Thank you kindly.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 usedfor that purpose.

Originally account opened in 08/2016 in the amount of [redacted]

RE #[redacted] $394.55Dear [redacted]:Per the request of [redacted] our agency will close and return the above referenced debt to our client, [redacted].  A copy of this complaint will also be forwarded to [redacted].  Our agency will notify the three major credit reporting agencies to remove this account from [redacted]'s credit history.  [redacted] should no longer hear from Commonwealth Financial Systems or any of it's representatives pertaining to this debt.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems has placed validation a letter in the mail to [redacted] to the address listed in this complaint.  At this time the account has been placed...

on hold and collection activity will cease during this investigation period. 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.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted]:A validation letter was sent to Mr. [redacted] mid July of this year and I am mailing an itemized statement todaythat will provide original creditor information and further details of the account.  Commonwealth is not obligatedto inform consumer that the account is being placed on a credit history.  If Mr. [redacted] can provide documentation that he is not liable for the debt I will forward it to our client.The account is in a disputed status at this time.Please feel free to contact my office with any additional concerns. This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained willbe used for that purpose.  Thank You.Sincerely,Stephanie D[redacted]Client Relations

CommonWealth Financial has placed a fraudulent collection on my credit report again!! They're beyond unprofessional! I previously complained earlier this month assigned ID #[redacted] and Stephanie D[redacted]-Client Relations responded stating it would be removed. The charge was removed from all 3 credit bureaus, then on 6/21/17 I got a notice that it was back on my [redacted] report. I contacted them and spoke to a supervisor and they said they don't know why it is re-reporting. This is ridiculous. I have my attorney on standby.REMOVE COLLECTION IMMEDIATELY

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  This account has been recalled by our client, [redacted].  Commonwealth hasclosed and returned the account to our client and an update will...

be sent to the three major credit reportingagencies as a deletion.Please feel free to reach me with any additional questions.Also if this response is forwarded to [redacted] 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]Client Relations

On January 2, 2016 I filed a complaint against Commonwealth Financial for their lack of compliance under the Texas Financial Code in regards to account number [redacted]. They still have not provided any of the items required under the TFC but have reinserted the account onto my credit reports. Under the TFC if all items are not sent the account must be deleted until they are provided.Desired Outcome: Deletion from all 3 credit bureaus via E-Oscar with a confirmation of the audit number.

Dear [redacted]:I am unable to locate an account with the information provided in this complaint.  Can you please provide an account number?Thank YouStephanie D[redacted]Client Relations

[redacted]
[redacted]: Please be advised Commonwealth Financial Systems mailed [redacted] validation of debt letter June 22, 2017 at which time there was no response.Per [redacted] request to cease communication our agency will close and return the account to our client*...

[redacted]  A deletion requestwill be sent 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

RE #[redacted] & #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].The above referenced accounts were reassigned to our agency by our client, [redacted] Partners in Marchof 2016.  Validation of debt...

will be mailed to Ms. [redacted] today. Please be advised Commonwealth Financial Systemswill notify the three major credit reporting agencies to delete both tradelines from Ms. [redacted]'s credit history whilethe accounts are under investigation.  In addition collection activity will cease during this time.  Ms. [redacted] can reach ouroffice at ###-###-#### to discuss the debt.  Please do not hesitate to contact our 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 usedfor that purpose.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]I am rejecting this response because:I have attached a screen shot of my credit report with the company with an outstanding balance
Regards,
[redacted]

RE: #[redacted], #[redacted], #[redacted], #[redacted], #[redacted], and #[redacted]Dear Kadi-Ann:This letter is acknowledgment that a complaint was received from your agency on behalf of Ms. [redacted].Commonwealth Financial Systems and [redacted] and Collections are the same company. ...

Commonwealthpurchased [redacted] and Collections.  All of the above accounts have been closed.  Deletion updates were sentto the three major credit reporting agencies.  The credit report that is attached to this complaint shows a reporting dateof May of 2016.  The deletion updates were sent in August of 2016.  If a recently pulled credit history still shows a disputedaccount Ms. [redacted] should file a dispute with the credit reporting agency as this is the most efficient way to have the account removed. 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.

[redacted]
 I am not able to properly identify an account using the information that was provided in this complaint.  Can you please providean account number and amount of debt.  Date of birth would also be helpful.Thank you kindly.Stephanie D[redacted]
[redacted]...

[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]