Commonwealth Financial Systems, Incorporated

[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: Again... I have proven to the past 3 debt collectors that this debt has been rectified. I have proof from 2 of the 3 on [redacted].com, and one through [redacted]. If they refuse to remove it just because they were stupid enough to purchase an erroneous collection, then it is incumbent upon  me to seek defamation, slander, and liable compensation for the vilification , and money in increased loan rates, and fees they may cause me, and my spouse. 
Regards,
[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.  On the other hand, we JUST received a bill (the first bill we have ever received from them) yesterday.  It is entirely possible and even likely that they are lying to you in order to receive a satisfactory closure and then will attempt to illegally repost these false charges this to my credit.If they do, I plan on re-opening the complaint and contacting a lawyer.
Regards,
[redacted]

Dear [redacted]:#[redacted] is the most recent account that was assigned to our agency from our client, [redacted].This account has been closed and returned to [redacted].  Commonwealth Financial Systems will notify the three major credit reporting agencies to delete this account.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.

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office from [redacted].The call placed to the phone number provided in this complaint is not a telemarketing call, and is it for the protection of the consumer that Commonwealth Financial Systems confirms...

ID.  It verifies that we are contacting the correct party.  [redacted] can reach our office at ###-###-####.    Please feel free to contact my office with additional questions or concerns.Thank You.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted] & #[redacted]To Whom It May Concern:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised thatboth of the above referenced accounts have been closed and returned to our client, [redacted]...

[redacted].  A deletion update was sent to the three major credit reporting agencies.  In addition Commonwealth will send a copy of this complaint along with my response to our client. 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.

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised Commonwealth mailed [redacted] a debt validation letter and also an itemized billing statement.  While the account undergoes...

investigation we will notify the three major credit reporting agencies to delete this account from [redacted]'s credit report.  [redacted] can contact our office should you he have any questions, ###-###-####.  This will place him directly with our collections manager, Mr. Robert H[redacted].  He should also forward our agency any documents that would verify that he is not responsible for this debt so that we can submit to our client.  Our mailing address is Commonwealth Financial Systems [redacted] Dickson City, PA [redacted], fax {[redacted], or he can email [email protected] 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],Please be advised that our office has been unsuccessful in locating an open account in this amount for the consumer's name and address provided.In order to fully address [redacted]'s concerns, we ask that she please respond with a CFSI account number OR fax a copy of the...

"generic bill" referenced in the complaint to us at: ###-###-####.  We will be happy to address all concerns as soon as this account can be located.  Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted],Commonwealth is going to send a deletion update to the three major credit reporting agencies.  Howeverwe have no control over how long it may take the Bureaus to remove the trade lines.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 willbe 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]:It is not a violation to submit an account to the CRA's prior to validation.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].   CommonwealthFinancial Systems will mail [redacted] validation of debt to the address listed in this complaint.  During this time...

collectionactivity will cease and a deletion request will be sent to the three major credit reporting agencies.  [redacted] can contact our officeat ###-###-#### and speak directly to our agency manager, Mr. Scott T[redacted] at ext [redacted].  Correspondence can be mailed to [redacted]Dickson City, PA [redacted] or faxed to ###-###-####.  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.

[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: Sending me a bill does not make that bill valid and we will have a legal suit on our hands if you dare to pursue this.  As I have indicated to Stephanie D[redacted], the only medical bills I have had in 2010 were related to an accident in which my wife and I were hit by a drunk driver and taken to [redacted] Hospital.  When I called Commonwealth Financial Systems (and oddly enough, they had blocked my phone number, requiring me to call from a different phone - funny, how was I supposed to dispute this with you or provide you with additional info if I can't call you??), they informed me that this was NOT for [redacted] Hospital, but rather for some made up agency.  All valid medical bills were sent to our attorney at [redacted] Law Office ###-###-####.  These two new bills suddenly appearing after SIX YEARS is one of the most obvious scams.What Commonwealth is attempting to do is to double bill me using a fake agency and fake random dollar amounts.  They previously pulled the same illegal scam on my wife and had added no less than eight charges of varying amounts.  I could send Commonwealth a bill for $8,000, but it doesn't make it valid and it does not obligate them to pay it.  I would save yourself the postage and not give me physical ammunition to take to court....that's just my educated opinion.Stephanie: should you ever contact me to collect on this obviously fake debt, or if you ever attempt to damage my credit with fake collections accounts again, you will find very quickly that I have both the money and the will to sue your bottom feeding little joke of a collection agency into oblivion.  I am currently working very closely with the CFPB, who is extremely interested in learning more about your activities, after sharing my wife's past experiences with you.
Regards,
[redacted]

RE [redacted] Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems received confirmation from our client, [redacted], that this account was covered under charity care.  CFS has closed...

and returned the account and in addition will notify the three major credit reporting agencies to delete this account from [redacted]'s credit history.Please do not hesitate to contact my office should you need further assistance.Thank you.Sincerely,Laura L[redacted]Client RelationsThis is communication from a debt collector this is an attempt to collect a debt and information obtain will be used for that purpose.

Dear [redacted],This letter is acknowledgment that a complaint was received on behalf of [redacted].  Please be advised our client has requested the account be closed and returned.  CFS has closed the account and we will send an update to the three major credit reporting agencies...

as a deletion.  However we have no control over how long it may take the Bureaus to remove the trade line.Please feel free to reach out to me with any other questions.Thank You.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 that Commonweath mailed consumer a validation letter on August 7, 2014.  We have made attempts
to contact [redacted] by telephone but were not...

able to reach him.   [redacted] can reach our office at
###-###-#### to discuss the account. 
Please feel free to contact my office with additional concerns.
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]
Client Relations

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  The debt that [redacted] is referring to, originally owed to [redacted], was assigned to our office for collections on 11-6-2017 for date...

of service Mary 20, 2012.  On November 24, 2017 a letter of validation was mailed to her.  I would like to address [redacted]'s claim that the debt is beyond statute of limitations.  This law pertains to the maximum time allowed for taking legal action.   Commonwealth Financial Systems has no intention of filing any kind of judgment or law suit. However due to [redacted]'s request to cease all calls, I have closed and returned the debt to our client, [redacted].  A copy of this complaint will be forwarded to them as well.  Additionally CFS will send a deletion request to the three major credit reporting agencies. She can reach our office by calling our toll free number, ###-###-####, Mr. Robert H[redacted], Collections Manager, should she have any questions or concerns.  My hope is that this matter is resolved for [redacted] and she finds my response sufficient.Please do not hesitate to contact my office should you need further assistance.Thank You.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]: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.

[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]

I would also like to request this account not be transferred to any other agency.
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]:THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR OFFICE ON BEHALF OF [redacted].  I HAVE REQUESTED AN ITEMIZED STATEMENT FROM OUR CLIENT, [redacted].THE STATEMENT WILL PROVIDE ORIGINAL CREDITOR INFORMATION, DATE OF SERVICE, AND BALANCE...

DUE.I WILL REQUEST THE STATEMENT TOMORROW AND SHOULD HAVE NEXT WEEK.  AS SOON AS WE RECEIVETHE STATEMENT IT WILL BE MAILED TO **. [redacted].  PLEASE FEEL FREE TO CONTACT MY OFFICE WITH ANY ADDITIONAL CONCERNS.ALSO IF THIS RESPONSE IS FORWARDED TO CONSUMER SHE SHOULD BE AWARE THAT THIS IS COMMUNICATIOFROM A DEBT COLLECTOR.  THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBATINED WILL BEUSED FOR THAT PURPOSE.THANK YOUSINCERELY,STEPHANIE D[redacted]CLIENT RELATIONS