Commonwealth Financial Systems, Incorporated

Dear ***,
This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***. Our
client cannot provide validation of debt so I have closed and returned the account to *** ***. I have also made
them aware of this complaint.
CFS will send an update to the three major credit reporting 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 contact my office with
any further questions
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
Stephanie D***
Client Relations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because supposed debt should not have been put on credit report to negatively affect my credit status without attempting to notify me and without having proper validation of debtSo now I have less point on my credit score over some supposed debt from and they don't even gave proof.very bogus and unacceptableI would like them to continue to search for proof but feel it needs to be deleted from my credit report until they can prove this bogus debt.that's like convicting someone with a crime and putting them in jail without being able to prove the crime was committed by that person.this is heresay Not fair nor is it legal.you prove debt then convict
Regards,
*** ***

Dear ***:
This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***. Please be advised
CFS has closed and returned the account to our client, *** ***. A copy of this complaint will be emailed to ***
***
*** will not hear from CFS or any of its representatives regarding this account, #***.
CFS will also send an update to the three major credit reporting agencies as a deletion
Also if this response is forwarded to *** *** 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***
Client Relations

Dear [redacted]:
The following accounts are listed under the name of [redacted] with the same SSN.   Itemized statements will be requested
from our client, [redacted]:
#[redacted]  $313.00
#[redacted]  $50.00
#[redacted] $53.00
#[redacted] $173.00
#[redacted] $514.00
A statement was placed in the mail to [redacted] on #[redacted] $76.05.  All accounts have been placed in a disputed status. 
The statements will provide name of original creditor, dates of service, and amounts.
Thank You.
Stephanie D[redacted]
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 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]

RE #[redacted] and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Commonwealth Financial Systems has closed and returned both accounts to our client, [redacted].  A deletion request will...

also be sent to the three major credit reporting agencies.  [redacted] should no longer hear from Commonwealth or any of its representatives.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 beused for that purpose.

Dear [redacted]:Commonwealth Financial Systems will mail [redacted] a deletion letter today.Thank You.Stephanie D[redacted]Client Relations

#[redacted]Dear [redacted]This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].The above referenced account was listed with our office from our client, [redacted], on January 11, 2016.Commonwealth Financial Systems mailed [redacted]...

validation of debt on January 19, 2016.  In addition I have requested an itemized statement from our client which will be placed in the mail today.  The itemized statement will provide original creditor information along with service dates and balance. Please do not hesitate to contact my office for further assistance.Thank You.This is communication from a debt collector.  This is attempt to collect a debt and any information obtained will be usedfor that purpose.Sincerely,Stephanie D[redacted]Client Services

rE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  I wouldsuggest either [redacted] provide a police report if she believes this account may have been the result of fraudor provide our agency with proof that...

she had Medicaid coverage for the date of service 4-29-2012.  In either casewe can send the documentation to our client, [redacted].  During the investigation period CFS will notify the threemajor credit reporting agencies to delete this account, place the account on hold, and cease collection activity. Please do not hesitate to contact our office should you need further assistance.This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained willbe used for that purpose.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems will mail [redacted] validation of debt letter.  A deletion request will also be forwarded to the three major credit reporting agencies while the account is being investigated.  Collection activity will also cease.  [redacted]...

[redacted] can reach out office by calling our toll free number should he have any questions, ###-###-####.  Correspondence can be mailed to our office at [redacted] Dickson City, PA [redacted]or faxed to the Client Relations Department [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]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  CommonwealthFinancial Systems has requested validation be mailed to [redacted] to the address listed in this complaint.  We do not feel there was...

any error with credit bureau reporting.  At this time the accounts have been placed on hold during the investigation period.  [redacted] can contact our office at ###-###-#### with any questions.  Our fax number is ###-###-#### and mailing address is 245 Main St Dickson City, PA  18519.Please do not hesitate to contact my office with any further questions or concerns.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

[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.  However, I would like to obtain a copy of the deletion letter that is being sent to the 3 credit bureaus ASAP.
Regards,
[redacted]

Dear [redacted], Please be advised that all open CFSI accounts for this consumer have been closed and returned to our client, as validation letters and itemized statements did not result in recognition of these debts.  The close codes used on the accounts will trigger deletion requests to the 3 major credit reporting agencies, requesting that they remove these items from reporting.It is our hope that this addresses all concerns on the part of [redacted].  Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted],Commonwealth Financial Systems has closed Mr. [redacted]'s accounts per the request of our client.  Commonwealth will send an updateto the three major credit reporting agencies as a deletion, however, we have no control over how long it may take the Bureaus to removethe trade lines.Please feel free to contact my office with any further concerns or questions.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] & #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Ms. [redacted].Commonwealth Financial Systems received mail from Ms. [redacted] requesting validation on both accounts.  Commonwealth...

mailed validation of debt to her and in addition is sending deletion updates to the three major creditreporting agencies.  The accounts have been placed on hold and collection activity will cease during the investigationperiod.  There is no indication that Commonwealth has agreed that Ms. [redacted] does not owe the debt.  Bothaccounts have been noted as disputed and she can contact our office at ###-###-#### to discuss the accounts.  Ifshe has documentation to confirm the debt is not her responsibility she can mail it to [redacted] Dickson City PA18519 or fax it to ###-###-####.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 at attempt to collect a debt and any information obtained will be usedfor that purpose.

Dear [redacted] - Please be advised that the account associated with this consumer complaint was thoroughly reviewed. (CFSI account [redacted])Although it is not a requirement that a consumer have a contract with Commonwealth Financial Systems, Inc. in order for us to service an account in their name...

on behalf of our client, we have complied with Ms. [redacted] express request for this account to be closed and have returned it to our client.  Deletion request will be sent out to the three major credit reporting agencies.We hope this addresses all concerns on the part of the consumer.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].This complaint was forwarded to our compliance department for a review of the phone records.  Commonwealth FinancialSystems made contact with [redacted] on the...

following dates:  11-7-15, 11-14-15, 11-27-15, and 1-6-16.  It is not aviolation to call a consumer more than once a day if contact is not made.  It is also not a violation to contact a consumerat 8:34 am.  It is a violation to contact a consumer prior to 8:00 am.  Per the request of [redacted] this account willbe placed in a cease and desist status.  [redacted] should no longer hear from CFS or any of its representatives pertainingto this debt, #[redacted].  Thank you and please feel free to contact my office if you should have any other questions or concerns.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 Relationsfor 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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I want the information removed from my credit file due to the fact that Commonwealth Financial /Northeast Credit Collections didn't follow the reporting guidelines of contacting me before reporting to the credit bureau's.
Regards,
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].There are two accounts that were assigned to our office from our client, [redacted].  Theoriginal amount of each account is $298.40.  Validation letters were...

mailed to [redacted] when we receivedthe accounts in August of 2012.  I have also requested itemized bills from our client and upon receipt willmail them to [redacted].  At this time the accounts have been placed in a disputed status and collection activitywill cease until further validation is received from our client.  If [redacted] has documentation to show that shedoes not owe the debt she can forward it to our office at [redacted] Dickson City PA [redacted] orshe can fax it to ###-###-####.  She should reference documents with the following numbers, [redacted] and [redacted].Please feel free to contact my office with any additional concerns.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

[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]