Commonwealth Financial Systems, Incorporated

Dear [redacted]: Attached is confirmation received from the three major credit reporting agencies showing tradeline not found.Thank You.Stephanie D[redacted] Transunion Account Reporting Review ReportDate: 05/19/16Time: 15:31 CTSubject: [redacted]Curr Addr: [redacted].,Lompoc CA. 93436TRADELINE NOT FOUND ON SUBJECT'S FILE END OF TRANSUNION REPORT

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth has closed and returned the account to our client.  Per the request of [redacted] CFSwill no longer contact her regarding this matter.  Also CFS will send an update...

to the three major creditreporting agencies as a deletion.  Our client will be notified of this complaint as well.Also if this response is fowarded 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

[redacted]This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]  We received confirmationfrom our client, [redacted], that the balance of $106.00 is currently owed by [redacted].  Proof of payment can be sent...

to ourmailing address, Commonwealth Financial Systems [redacted], faxed to [redacted] or emailed to[redacted]   Please reference it with account number [redacted].  Also our agency will send a deletion request tothe three major credit reporting agencies as this account undergoes investigation and collection activity will cease. An itemized billing statement has beenplaced in the mail for [redacted].  Our toll free number is [redacted]Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]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.Client Relations

[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 accept reply to the Revdex.com, and wish to add that I will file a complaint further with the States Attorney's General's Office concerning this matter against Commonwealth Financial Systems if ever this were to happen again. In addition, I again wish to thank the Revdex.com for allowing me to address my concerns regarding this matter. Thank you.
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]

Dear [redacted],Please be advised that CFSI account # [redacted] for [redacted] in the amount of $773.00 was reviewed in conjunction with this complaint.A validation letter and later an itemized statement were both mailed to this consumer and he still stated that he did not recognize the debt. ...

This account was closed and returned to our client in response to this information from the consumer.  It will be removed from reporting by the 3 major credit reporting agencies.  As a third-party debt collector, Commonwealth Financial Systems, Inc. does not have signed contracts with consumers; we service accounts on behalf of our clients, who own the debt, and request all documentation from them.  With respect to medical debt and in particular to bills from emergency physician's groups, there are no signed contracts available.  Consumers do not sign contracts with all attending physicians in an ER situation.  Therefore we are not able to comply with consumer requests for signed contracts; this does not in and of itself mean that a debt is not valid.We hope this answers all concerns on the part of Mr. Strong.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].The telephone number that is associated with this account has been removed and a deletion request will be sentto the three major credit reporting...

agencies.  Additionally our representatives are not allowed to disclose the companyname until we properly identify the consumer.  This is done for their protection.  A letter of validation has been mailedto [redacted]. Collection activity will cease while the account is under investigation.She may contact our office by calling ###-###-####.  This will be put in direct contact with ouragency manager, Mr. Rob H[redacted].  Correspondence can be mailed to [redacted] Dickson City, PA [redacted] or faxedto ###-###-####. 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.

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]

Dear [redacted]:On April 25, 2017 Ms. [redacted]  made a payment arrangement with Commonwealth Financial Systems to pay $20.00 per month.  It is noted that on May 25, 2017 she contacted our agency and requested to stop future payments.  A refund transaction was processedfor her most recent payment.  An additional $40.00 was refunded making all three payments now returned to Ms. [redacted].  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.

[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:it needs to be removed off of my report. I had Medicaid. The hospital in question already had my Medicaid information. 
Regards,
[redacted]

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Please be advised Commonwealth Financial Systems has closed and returned the above referenced accountto our client, [redacted].  [redacted]...

should no longer hear from our agency or any ofits representatives.  A copy of this complaint will also be forwarded to our client.  In addition our compliancedepartment performed an investigation on call recordings and found no violations.Please do not hesitate to contact this 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.

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Please be advised Commonwealth is going to send a deletion  update to the three major credit reportingagencies, however, we have no control over how long it will take the...

Bureaus to remove the trade line.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 obtainedwill be used for that purpose.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted],
This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised
Commonwealth Financial Systems sent **. [redacted] an itemized statement received from our client, [redacted]. The
statement will disclose original...

creditor information, description and amount of debt.   Also if this response is forwarded to the
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]
Client Relations

Dear [redacted]:
CFS requested an itemized statement from our client, [redacted].  At this time the accounts have
been placed in a disputed status and collection activity will cease during the investigation period.
Please feel free to contact my office with additiona questions or concerns.
Thank You.
Sincerely,
Stephanie D[redacted]
Client Relations

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. 
[redacted]
[redacted]

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Ms. [redacted].Commonwealth Financial Systems was assigned the above referenced account from our client, [redacted]Partners, in June of 2014.  Validation of debt was...

mailed to Ms. [redacted] in September of 2014.  The account isin a closed status as it was recalled by our client in January of 2015.  A deletion update was sent to the threemajor credit reporting agencies.  If this account is still being reported on Ms. [redacted]'s credit file I would suggestthat she file a dispute with the credit reporting agency.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 usedfor that purpose.

#[redacted] & #[redacted]Dear [redacted]:Please accept my apology for any confusion that was caused by not being able to locate the above referenced accounts.The last name was misspelled and the address was forwarded to us as [redacted] Henderson NV.  The accountswere listed with our office in March of 2016.  Validation of debt will be mailed to Mr. [redacted].  In addition CommonwealthFinancial Systems will notify the three major credit reporting agencies to delete both tradelines from Mr. [redacted]'s credithistory.  The accounts will be placed on hold and collection activity will cease during the investigation period.  I will alsorequest itemized billing statements from our client, [redacted] Partners per the request of Mr. [redacted].  A copyof this complaint along with my response will be forwarded to our client.  Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be usedfor that purpose.

Dear [redacted],Please be advised that our office reviewed this consumer complaint in conjunction with the associated account, CFSI account # [redacted].  The account was received new in our office from our client on June 3, 2017.  There was no contact to or from [redacted] until August 7,...

2017, and following her request for validation a validation letter was mailed to her address on August 9, 2017.  The account was also requested to be removed from reporting by the 3 major credit bureaus for a period no less than 30 days, as per FDCPA guidelines, to allow [redacted] to investigate the information sent to her.We hope this addresses all concerns with this account at this time.Thank you,Kathleen M[redacted]Legal/Compliance Admin

RE #[redacted], #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office regarding the above referenced account.Commonwealth Financial Systems will mail validation of debt to [redacted] to the address that is listed in this complaint.A deletion...

update will be sent to the three major CRA's and in addition the accounts will be placed on hold and collectionactivity will cease during the investigation period.  Also it is not required that Commonwealth notify a consumer prior tothe reporting of information to the credit bureau agencies.  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 forthat purpose.

[redacted]  [redacted] 
*
 [redacted]
I am rejecting this response because:
[redacted]
[redacted]

[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]