Commonwealth Financial Systems, Incorporated

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Mr. [redacted].Mr. [redacted] spoke to an agent from Commonwealth Financial Systems on 3-28-2016.  At that time Mr. [redacted] requested to pay a discounted amount.  He...

paid $472.50 the same day which settled the account in full.A deletion update was sent to the three major credit reporting agencies 4-2-2016.  Also it is not a requirementthat Commonwealth notify a consumer prior to credit reporting.  Mr. [redacted] states in his complaint that I failed to state mini-Miranda.  Please be advised that I did not speak to Mr. [redacted].It is noted that our agent that did speak to him quoted the min-Miranda statement.  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 usedfor that purpose.

RE #[redacted]Dear [redacted]:The above referenced account has been closed and returned to our client, [redacted].   Commonwealth Financial Systemssent a electronic request to the three major CRA's to remove this tradeline from Kyndra's credit report.  Thank...

You.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted], Please be advised that Commonwealth Financial Systems, Inc. could only locate one open account for this consumer, CFSI account # [redacted], in the amount of $486.00 (not $480.00.)  There is nothing in our database record for this account that shows that it was paid at any point...

either to us directly or to our client.  Therefore, we are requesting that the consumer please send proof of any prior payment (payment receipt) to us at: Commonwealth Financial Systems, Inc. 245 Main Street, Dickson City, PA 18519 OR to our email address at: [email protected].  We can close the account and return it to our client, also deleting it from credit bureau reporting, with proof of payment.  Please note that a verbal payment agreement is not the same thing as proof of prior payment, and would not result in removal from bureau reporting.We hope this addresses the consumer's concern.Thank you,Kathleen M[redacted]Legal/Compliance Admin

[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 called a few months ago requesting that all collections that your office have on meto be senr along with itmezed billing statements. The amount your provided $76.05 is the wrong ones. Your office is reporting 5 different dollar amounts.  When I asked for the statents, the employee told me that it wasn't his problem that I never recieved them. Rather your office shows in your system that one for $76.05 was sent or not doesnt mean that I automatically recieved it. I'm requesting that all billings be removed drom my credit report until I receive a true statement drom the original creditor. I have no odea who the company you are refering to as I've never been to a medical facility outside od [redacted] County.
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:Thank you for the expedient manner in which you have done this.  I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  The only concern I have is that it has been reported to the credit bureaus and that they will continue to report it to collections.  I have already filed the dispute with [redacted] and will do so for [redacted] and [redacted].  I assume that those are the appropriate measures I need to take to get that issue resolved but will continue to monitor moving forward to get this cleared.   Regards, [redacted]

[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: I need [redacted] contact info. I need info. CFS has provided to [redacted] inclusive of all personal information such as social security info.   I  need written confirmation of deleted credit information. I need written confirmation CFS incorrectly reported the information to each of the credit reporting agencies. I need written confirmation CFS has deleted all of my personal information from the business. The company can mail the information to my address as soon as possible. 
Regards,
[redacted]

[redacted]Regarding the complaint from [redacted] we cannot locate an account in our system using this name, or the address or phone number provided.  It is entirely possible that an account, especially an account relating to a service date years prior, can be...

under a maiden or former married name, or former address.  We encourage [redacted] to contact our call center at [redacted] to work with one of our account reps.  With additional information we can locate the account referenced in this complaint and initiate the dispute process if this is not a recognized debt.  If [redacted] is more comfortable working with someone in our Compliance Department she is absolutely welcome to call me personally at [redacted]Kathleen M[redacted]

Dear [redacted]:The report date on the police report is 4/10/2015.  The statement in the narrative advises that the wallet was lost a year ago.  The service date of the debt placed with our agency is 10-19-2009.  Thank You.    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].  CommonwealthFinancial Systems mailed [redacted] validation of debt on 3-11-2016 and an itemized billing statement on 7-28-2016.  I willmail a copy...

to him today to the address that is listed in this complaint.  Toni can contact our office at ###-###-#### to discuss the account or write to [redacted] Dickson City, PA [redacted].  Our fax number is ###-###-####.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]

[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 have sent a copy of the police report to Common Wealth Financial Systems and they received it on April 27th.  It was sent certified mail and I have attached a copy of the police report I sent along with the certified mail receipt with tracking number to show that they did receive it. 
Regards,
[redacted]

[redacted]
 Commonwealth Financial Systems mailed [redacted] validation of debt which is in full compliance of the FDCPA.  An itemized billing statementwas also mailed to her 5-24-2017.  Thank You.Stephanie D[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]

Re#[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems spoke to [redacted] earlier this month.  [redacted] advised our office at thattime the account was paid prior and that she...

was going to email confirmation to our office.  To this date we havenot received any documentation confirming the above referenced account was settled.  Per [redacted] request Iam going to close the account and return it to our client, [redacted].  She will no longer hear from CFS or anyof our representatives.  I will also notify our client of this complaint.   In addition CFS will send a deletion update tothe three major credit reporting agencies.Please do not hesitate to contact my office should you need further assistance.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

RE #[redacted]Dear [redacted]:This letter will serve as confirmation that a complaint was received from your office on behalf of [redacted].Please be advised Commonwealth Financial Systems will mail place validation of debt in the mail to [redacted].The account has been marked as disputed and will be...

placed on hold during the investigationperiod.  Collection activity will cease during this time.  If [redacted] should have any questions she can call###-###-####.  This extension belongs to our floor manger, Mr. Scott T[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 obtainedwill be used for that purpose.

Dear [redacted],
Commonwealth Financial Systems 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.  
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

Dear [redacted]: I will request an itemized billing statement from our client and mail it to Ms. [redacted].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 received the above referenced account from our client, Pendrick Capital Partners, on March 4, 2016.On March 11, 2016 validation of...

debt was mailed to Ms. [redacted].  Also an itemized statement will be mailed toMs. [redacted] today which will provide additional original creditor information along with date of service, description of service,and amount due.  At this time the account is noted as disputed and collection activity will cease during the investigationperiod.  Ms. [redacted] can reach out office at ###-###-#### should she wish to discuss the account further.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.

RE #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth FinancialSystems will mail [redacted] validation of debt to the address that is listed in this...

complaint.  While the account is under investigationCommonwealth will notify the three major credit reporting agencies to delete the above listed accounts from [redacted]'s credit report.In addition collection activity will cease during this time.  [redacted] can send correspondence to our office at [redacted] Dickson City PA [redacted]or fax it to ###-###-####.  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.

[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]