Commonwealth Financial Systems, Incorporated

Dear [redacted]:Please be advised CFS has closed and returned account, #[redacted], associated with the telephone number thatwas provided in this complaint, to our client.  I have also notified our client the account has been returned due tocease & desist request.  Please...

feel free to contact my office with any additional concerns.Also if this response is forwarded to consumer please notify them 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 that Commonwealth has closed and returned the above referenced account to our client,[redacted].  A deletion update will be sent to the three...

major credit reporting agencies.Please feel free to contact my office if you should have any further 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.Thank You.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted] - Please be advised that after receiving this rejection we closed the associated account.  A deletion update will be sent to the credit bureaus.  A copy of this complaint will be forwarded to our client, [redacted].Thank you,Kathleen...

M[redacted]Legal/Compliance Admin

RE #[redacted] & #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please beadvised Commonwealth Financial Systems has closed and returned both of the above accounts to our client, [redacted]...

[redacted].CFS will send a deletion request to the three major credit reporting agencies.  Also I will send a copy of this complaint along with myresponse to our client.  [redacted] should no longer hear from Commonwealth or any of its representatives in regards to the abovelisted debt.Please feel free to contact my office should you need further assistance.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.

May 4, 2015Dear [redacted]:This letter is acknowledgement that a complaint has been received from your office on behalf of [redacted]. Commonwealth has closed and returned the above referenced account to our client, [redacted]. Our client has received notification of this...

complaint. [redacted] should no longer hear from CFS pertaining to this 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 D.Client Relations

RE #[redacted] & #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems has two active accounts, account numbers listed above, which total $1,025.00.Validation of debt was mailed...

to [redacted] on 10-21-16.  During the investigation period our agency will cease collectionactivity and notify the three major credit reporting agencies to remove both tradelines from [redacted]'s credit history.In addition I will request an itemized billing statement from our client, [redacted].   [redacted] cancontact our office by calling ###-###-####.  Our mailing address is [redacted] Dickson City PA [redacted] and fax###-###-####.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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I would like a faxed copy of the deletion letter [redacted].Regards,
[redacted]

RE #[redacted] & #[redacted]Dear [redacted]Please be advised that Commonwealth Financial Systems sent a deletion request to the three majorcredit reporting agencies on the above referenced accounts, however, Commonwealth makes no representationas to how long it may take the CRA's to remove the tradelines.Please do not hesitate to contact my office should you need 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.

[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 so much for all your help.. I appreciate it.
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]

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 response is referenced to complaint #[redacted].  Commonwealth sent the three major credit reportingagencies a deletion update in February of 2015.  If the trade lines are still appearing on [redacted]credit history I would suggest she file a dispute with the...

credit reporting agencies.  This would be the most efficient way to resolvePlease feel free to contact my office with any additonal questions or concerns.Thank You.Stephanie D[redacted]Client Relations

Dear [redacted],Can you please provide account numbers?  I am not able to locate an active account under [redacted].Is it possible the accounts can be under a different last name or a different address?  I tried by the telephonenumber [redacted] provided also but I cannot locate...

an account.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].Commonwealth Financial Systems has closed and returned the above account because verification of debt was not available.CFS will send notification...

to the three major credit reporting agencies  to remove the account from [redacted]'s credit history.CFS makes no representation as to how long it may take the CRA's to remove the tradeline.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.

Dear [redacted]: We received notification from our client to remove the account from collections.  The account has been closed and a deletion letter has been mailed to Mr. [redacted].Thank you and please let me know if you need further assistance.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.

[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:It has taken them almost 2 months to respond to my complaint, which shows me that they don't take this matter seriously. They should've checked with [redacted] Emergency Physicians from the beginning, and they would have known that this account had already been paid off through another collection agency. Not just that, I feel that Commonwealth Financial illegally obtained my information and they know it. 
Regards,
[redacted]

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]. The abovereferenced account was listed with our agency for collections on 5-8-2017.  We are collection on behalf of [redacted]for services...

provided to consumer on 6-27-2012.  On June 1, 2017 a validation of debt letter was mailed to [redacted]s and in additionan itemized billing statement was mailed to her on June 13, 2017 which provided additional information pertaining to the debt.   Per [redacted]srequest, collection activity will cease and a deletion request will be sent to the three major credit reporting agencies.  This account will beclosed and returned to our client.  [redacted] should no longer hear from Commonwealth Financial Systems pertaining to the above referencedaccount.Please feel free 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.

[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. This needs to be removed as soon as possible for it has hurt my credit rating due to the companies inaccurate information.
Regards,
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Pleasebe advised Commonwealth Financial Systems has closed and returned both accounts to our client, [redacted]
[redacted].  CFS will send an update to the three major...

credit reporting agencies as a deletion.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.

Dear [redacted]:Commonwealth has received confirmation from our client, [redacted], to close accounts.Our agency will notify the three major credit reporting agencies to delete the accounts from [redacted]'s credit history,and in addition a deletion letter will be mailed.Thank you and please do not hesitate to contact me should you need further assistance.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.

[redacted]
[redacted] Please be advised Commonwealth Financial Systems has closed and returned the above referenced account to our client.  A deletion update willbe forwarded to the three major credit reporting agencies.  Please feel free to contact my office should you need...

further assistance.Thank You.Stephanie D[redacted]
[redacted]