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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:  This collection is still on my credit reports, I am disputing due to the fact that they violated the FDCPA by NOT sending a dunning notice before adding this collection to my credit report.  I insist that this alleged debt be removed from my reports immediately!
Regards,
[redacted]

RE : Complaint ID#[redacted]Dear [redacted]:Commonwealth Financial Systems, Inc. has investigated the above identified complaint and responds as follows:1.  It appears that our company attempted to contact the complainant via phone several times in one day.  It is not a violation to call...

a consumer more than once a day if contact is not made.  We apologize for any inconvenience causedand for the failure of our supervisor to satisfy the concerns of Ms. Smith, but we do not see any law violation.2.  We have removed the phone number provided by complainant and she should receive no further calls.3.  We cannot forgive the debt or stop credit bureau reporting the debt as we are a third party collection agency and the debt is owed to our client.4.  If the complainant desires to discuss the debt please call ###-###-#### and you will receive ourexecutive assistant.  Please have complainant explain that she is calling for further follow up on a Revdex.com complaintand the executive assistant will transfer to our floor manager, Robert L[redacted] at ext [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. Thank You.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted], #[redacted], and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Account #[redacted] has been closed and returned to our client, [redacted].  Commonwealth FinancialSystems will send...

another request to the three major credit reporting agencies to delete this tradeline from [redacted]'scredit history.  Accounts #[redacted], $1141.98 and #[redacted] $58.02 were reassigned to our agency in August of 2016.Validation of debt was mailed to consumer on August 10, 2016.  There has been no FCRA violations pertaining to these accounts.In addition I have requested itemized billing statements from our client to send to [redacted].  Both accounts are listed as disputed and our toll free number is ###-###-####.  Correspondence can be sent to [redacted] Dickson City, PA [redacted]or faxed to ###-###-####.  Collection activity will cease during the investigation period.  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 information obtained will be used for that purpose.

RE #[redacted]Dear [redacted]:This letter serves as confirmation that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems, Inc. mailed [redacted] validation of debt 12-1-2015.  On 1-14-2016 an itemized billing statement that we obtained...

from our client, [redacted]. was also mailed to her.  The account has been placed in a disputed status at this time. If [redacted] can provide documentation that sheis not responsible for this debt she can mail it to Commonwealth Financial Systems [redacted] Dickson City, PA [redacted]or fax it to ###-###-####.  Also the dates reported to the CRA's are per the Credit Reporting Resource guide forthird party agencies.  Thank You.This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be usedfor that purpose.Stephanie D[redacted]Client Relatio

RE #[redacted] Dear [redacted]: I reached out to our client to further investigate this claim and received notification from Pendrick Capital Partnersto close and return this account due to being paid prior.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.

May 4, 2015Dear [redacted]:This letter is acknowledgement that a complaint has been received from your office on behalf of [redacted]. The above referenced account has been placed in a disputed status. I have contacted our client, [redacted], to confirm payment has been received by the...

original creditor, [redacted] Emergency Physicians, I have also asked our client to send an itemized statement just in case the payment was applied to a different account. If this is the case an Itemized statement will be mailed to [redacted]. If the account is in deed paid we will close our account.If there are any further questions or concerns regarding this account, please do not hesitate to contact my office.Also if this response is forwarded to consumer 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.Very truly yours,Stephanie DClient Relations

RE #[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 agency from our client, [redacted], on2-8-2016.  Commonwealth Financial...

Systems reported this date as the date we received the account asper the Credit Reporting Resource guide.  We feel there were no credit reporting errors or violations.  Thestatute of limitations is based off of the service date which in this case is 8-13-2011.  Please do not hesitate to contact my office with any additional questions or concerns.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 willbe used for that purpose.

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems sent a deletion update to the three major credit reporting agencies May 27, 2017.  Our agency sent another electronic deletion request through e-Oscar.  [redacted] should file a dispute with the credit reporting...

agency.  Also Commonwealth will mail [redacted] an itemized billing statement per his request to the address that is listed in this complaint.   He can reach our office by calling our toll free telephone number ###-###-####.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.

Dea[redacted]Can you please confirm that this has been taken care of?  I apologize but I am not quite understanding the rejection.Thank You.Stephanie D[redacted]Client Relations

Dear [redacted]:We have several accounts in our data base under the name of [redacted] that do not match the address providedin this complaint.  Can consumer please provide account numbers and or balances.  This should help locate the accounts.If consumer has a copy of his...

credit report he can get the information from that.Thank You.Sincerely,Stephanie D[redacted]Client Relations

[redacted]
 Can [redacted] provide confirmation that he is not responsible for this debt so that I can forward it to our client?   Thank You.Stephanie D[redacted]

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  CommonwealthFinancial Systems has closed and returned the account to our client, [redacted].  A copy of this complaintalong with my...

response will be forwarded to Pendrick's compliance department.  CFS will send a deletion update to thethree major credit reporting agencies.  Please do not hesitate to contact my office with any other 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 usedfor that purpose.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted],Re. CFSI account #s [redacted], [redacted], [redacted] in the name of [redacted]: Please be advised that these accounts were reviewed fully by our office in conjunction with the consumer complaint received.  In response to the consumer’s assertion that these debts are not his,...

and also at the request of our client, we have closed these accounts as disputed prior, and returned them to our client.  The accounts were all closed on July 18, 2017. Please note that this action also initiated a deletion request to remove all tradelines on the referenced accounts from credit reporting by the 3 major credit bureaus. We hope this addresses all concerns on the part of [redacted].  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].  I have reached
out to our compliance officer regarding this matter.  The person who is handling this account has been out due to an illness in her family.  I...

will check back with her on Monday and advise as soon as possible. 
Also if this response is forwarded to consumer 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

[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:
The amount has been paid in full but this collection agency has not yet cleared my credit report.[redacted] Health Care has gotten a copy of the invoice directly from [redacted] in Richardson Texas.  [redacted] Health Care mailed a check on 12 May 2015 in payment of the full amount of $690.  [redacted] mailed the check to this address: [redacted] Richardson, TX [redacted] What is required now is this collectiuon agency to clear my account and update my credit report . [redacted] 
Regards,
[redacted]

Dear [redacted]:Please be advised the telephone number {[redacted] has been removed as active from our data software.  [redacted] shouldno longer receive calls from our agency.  On behalf of Commonwealth Financial Systems I apologize for any inconvenience our callsmay have caused her.Please...

feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Commonwealth FinancialSystems received [redacted]'s certified letter on August 11, 22016.  At that time a validation letter was mailed to her to the...

addressthat is listed in this complaint.  Our agency sent a deletion update to the CRA's on 9-3-2016.  In addition an itemized statement willbe mailed to [redacted] today which will provide date of service, description of services, amount charges, and explanation of charges.   Collection activity will cease while the account is being investigated.  [redacted] can reach our office at ###-###-#### to further discuss.Our fax number is ###-###-#### should she like to send correspondence to our agency.Please feel free to contact my office for 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].  
In order to bill [redacted]'s insurance carrier I will need the following information:
Name of insurance carrer
Address
Phone number
Member ID #
Fax Number
Also I have...

placed a request to our compliance department to search phone records for the month of May.
[redacted] can email this information to [redacted]@necredit,com or she can contact our office at ###-###-####.
If this response is forwarded to consumer 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

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 mailed [redacted] both validation of debt on 6-16-16and an itemized billing statement on 8-6-16.  The account...

is currently in a disputed status.  Please ask [redacted]to provide a copy of a police report to validate her claim of ID theft.  At that time we will forward the information to ourclient, [redacted].  [redacted] can contact our agency at ###-###-####.  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.

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  On May 18, 2016 Commonwealth Financial Systems received certified mail from [redacted] requesting validationof debt.  On June 3, 2016 an itemized...

billing statement was mailed to [redacted].  CFS also sent a deletion update to thethree major credit reporting agencies.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.