Commonwealth Financial Systems, Incorporated

Dear [redacted]:Commonwealth Financial Systems has closed and returned the account to our client, [redacted] should no longer hear from Commonwealth or any of its representatives.  Thank You.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. 
Regards,
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems has removed the telephone number ###-###-#### from ourrecords.  [redacted] should no longer hear from Commonwealth or any of it's...

representatives.  On behalfof our agency I apologize for any inconvenience our calls may have caused her.  Also a copy of this complaintwill be forwarded to our client, First Financial Investment Fund.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.

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].In May of this year CFS sent validation letters to [redacted] We also received itemized statments fromour client, [redacted] which were also mailed to him on...

June 10, 2015.   The itemized statementlisted the original creditor, [redacted] along with balance and date of service. ?  Please feel free to contact my office with further questions or concerns.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 the purpose.Thank You.Stephanie D[redacted]Client Relations

[redacted] - In response to the consumer's complaint regarding CFSI account #[redacted], please be advised that we thoroughly reviewed the account in conjunction with the complaint.This account was received new in our office on October 31, 2016, and a validation letter was sent to the consumer's address...

listed in the complaint on 12/29/16.  Upon receiving his dispute via [redacted] the account was coded as a dispute and an Itemized Bill was requested from our client to send out to the consumer.  That correspondence (the Itemized Bill) has not been received in our office to date so it was requested again with urgency and will be sent out to the consumer as soon as it is received.  Once the consumer has a chance to review the itemized bill, he may send any further correspondence (proof of payment, proof that the information provided in the bill is not his, etc.) to us at: [redacted] to fax # [redacted] or email address [redacted].  We will be able to close the account and return it to our client with the necessary information for dispute.  Please also note that the account was deleted from Bureau reporting as of 6/19/17.With respect to the consumer's concern for HIPAA privacy provisions, please be advised that Commonwealth Financial Systems, Inc. is in full compliance with all applicable law and is and covered under a Business Associate's Agreement with our client.  We hope that all consumer concerns have been addressed, and we will get the Itemized Bill out to him at the address provided as soon as it is received.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 Mr. [redacted].  Our client, [redacted], placed the accounts in question with our office in December of 2014.  On December 31 validation letters were mailed to...

Mr.[redacted] to the address listed in this complaint.  The accounts are currently placed in a disputed status.  I also received an itemized statementand will email it to Mr. [redacted] to the email address listed in this complaint.  The IB statement will list the original creditor information alongwith the dates of service, description, and charges.   Please feel free to contact my office with any further questions.Also if this response is forwarded to Mr. [redacted] he should be aware that this is communication from a debt collector.  This is an attemptto collect a debt and any information obtained will be used for that purpose.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 as long as the collection account does not reappear on my credit report. The charges are from 1995. Way beyond legal limits. I also never received anything in 2016 in regards to this claim. Thank you for removing this account from all 3 bureaus. I appreciate it very much.
Regards,
[redacted]  [redacted]

Dear [redacted],
This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  In February of this year
CFS mailed [redacted] a validation letter to the address that is listed in this complaint.  Also mailed to [redacted] was an itemized...

billing
statement we received from our client, [redacted] in April of this year.  I do not see that the mail was returned.  We do show that [redacted] owes a medical debt in the amount of $76.05.  I have requested a copy of the itemized billing statement and will resend it to her when I receive it.  Also I have forwarded the account to our compliance department to obtain call recordings.
Also if this response is forwarded to [redacted] she should be aware that this is communiation from a debt collector.  This is an attempt
to collect a debt and any information obtained will be used for that purpose.
Thank You.
Stephanie D[redacted]
Client Relations

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems mailed [redacted] validation of debt 2-23-2017 and an itemized billing statement will be mailed to him today.  Also our agency will notify the three major credit reporting agencies to remove the tradeline from his credit file...

as this account is being investigated.  Collection activity will also cease during this time.  [redacted] may reach our office by calling our toll free number [redacted] should he have any questions.  Correspondence can be mailed to Commonwealth at [redacted] Dickson City, PA [redacted], faxed to [redacted], or emailed to [email protected] do not hesitate to contact my office should you need further assistance.Thank You.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 Commonwealth Financial Systems received a complaint from your office on behalf of [redacted].Commonwealth Financial Systems received the above referenced account for collections on October 3, 2017.  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. In response to the certified mail we received from [redacted] on December 1, 2017, we mailed a validation letter.  This letter provided the name of our client, the name of the consumer, the amount of the debt, and all other disclosures as required by the Fair Debt Collections Practices Act or applicable State law .   I have also ordered an itemized statement to send to consumer.  Additionally our agency will notify the three major credit reporting agencies to delete the tradeline from [redacted]'s credit report as this account is being investigated.  [redacted] can reach our office by calling our toll free number ###-###-####, Mr. Robert H[redacted], Collections Manager should she have any questions or concerns.   I hope this response was helpful to [redacted].  We would like to resolve this matter as quickly as possible.  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.