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: Per our letter of representation sent from Attorney [redacted] please refer all communication to him.  We are waiting for action to be taken by 9/2 or we are filing a lawsuit. 
Regards,
[redacted]

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  The above listed account wasassigned to our agency for collections on October 18, 2017.  Commonwealth Financial Systems is collecting on behalf of [redacted]...

[redacted]Physicians for date of service November 1, 2011 in the amount of $757.00.  In review of our records [redacted] does not indicate that we received communicationfrom [redacted]   [redacted] is requesting to stop communications in his complaint and states he will not make payment.  To honor this request our agency has closedand returned the account to our client, [redacted].  [redacted] should no longer hear from [redacted] or any of its representatives.  A copyof this complaint will be forwarded to our client.  Additionally [redacted] will send a deletion request to the three major credit reporting agencies. Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services 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.

[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]I am rejecting this response because it does not explain how my previous position in a private sector was disclosed to a woman I do not know. This company continuously contacted this individual and harassed her after she explained to them that she was not me and did not know me. Not only did they continuously harass her, but they also provided her with my personal information. It concerns me that the company refuses to provide their company name in order to protect their confidentiality, but had no concern to protect my confidentiality whatsoever. I found that the individual that they provided my information to also posted that information on social media. I am beyond dissatisfied with this company and how my personal information was provided to a complete stranger. I will be taking further action against this company for a breach of confidentiality. I feel that this company should be  reprimanded or their carelessness regarding people's confidentiality to prevent this from happening again.Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Johnny [redacted].This account was reassigned to our agency from our client, [redacted], in May of this year.I have placed the account in a disputed status and requested an itemized...

statement.  Once received I willmail it to Mr. [redacted].  Please feel free to contact my office with any additional questions.Also if this response is forwarded to Mr. [redacted] he should be made aware that this is communication from adebt 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

[redacted] requested that collection activity cease.  The account has been closed and returned to our client.  She will no longer hear from our agency pertaining to this debt.  A deletion request was sent to the CRA's 4-2-2017.Thank You.Stephanie D[redacted]Client Relations

As for being sent validation, which was never received, on 1/20 they did not receive my validation letter until 2/14 so they were still required to send validation by 3/16 which they did not do. And as for being sent an itemized bill on 3/28, that was after 3/16 and it wasn't for this account. This account still has not been deleted.
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  At this timeCommonwealth Financial System will send a deletion request to the three major credit reporting agencies, and it wouldbe helpful if [redacted]...

can contact our office so that we can verify information with him in order to provide to our client, [redacted].  He can reach our agency by calling ###-###-#### or he can send correspondence to the Client RelationsDepartment at ###-###-####.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 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 agency on behalf of [redacted].  Commonwealth Financial Systemshas closed the above referenced accounts due to charity care.  A deletion update will be sent to the three major credit reporting...

agencies.A copy of this complaint along with my response will also be forwarded to our client, [redacted].Please do not hesitate to contact my office should you need further assistance.Thank You.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].Please be advised Commonwealth Financial Systems has closed and returned the above referenced account to our client, [redacted].  A copy of this...

complaint will be forwarded to [redacted].  In addition a deletion request will be sent to the three major credit reporting agencies.  [redacted] should no longer hear from Commonwealth or any of its representatives pertaining to this account.Please feel free 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] and [redacted]Dear [redacted],This letter is an acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems has closed these accounts at our clients request and deletion updates were sent to the three major credit agencies...

on May 7, 2016.  If these accounts are still being reported as open balances I would suggest consumer file a dispute with CRA's.Please do not hesitate to contact my office should you need further assistance.Thank you.Sincerely,Laura L[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].  CFS has closed and returned the account to our client, [redacted].  CFS will send an update to the three major credit reporting agencies as a...

deletion.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 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 Mr. [redacted].  We receivedconfirmation from our client, Pendrick Capital Partners, that the original creditor of this debt, [redacted],did not receive billing...

information until just recently.  If Mr. [redacted] has confirmation that insurance was provided to the serviceprovider {at the time of service}  he can fax it to my office, ###-###-####.  Also Commonwealth Financial Systems willsend a deletion update to the three 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.

I moved to charlotte,NC in March 3rd 2014 and havent been back to Georgia Since then So it is impossible for me to accumulate this bill.[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]

Dear [redacted],Please be advised that our office reviewed CFSI account # [redacted] in response to this consumer complaint.As a third-party collector we do not have signed contracts with consumers; rather, we have business contracts with the clients we serve.  In response to this consumer's...

request for validation of the debt associated with this account with Commonwealth Financial Systems, Inc., a validation letter (providing all necessary information as per FDCPA guidelines) was sent to the address provided in this complaint.  The account was placed in a validation period status to remove it from credit reporting by the 3 major credit bureaus through August 31, 2017 or through such time as we are contacted by [redacted] if earlier than that date.  We encourage [redacted] to contact our office at: ###-###-#### after researching the debt.  If it needs to be disputed and proof as to the reason for dispute can be sent to our office, we can work on the consumer's behalf to get the account closed and returned to our client and ensure permanent deletion from credit reporting.  If the debt is to be paid, we can work with [redacted] to make an agreeable payment arrangement.We hope this addresses the consumer's concern related to this account.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. Jacob [redacted].  Please beadvised that Commonwealth Financial Systems has removed the telephone number, ###-###-#### from our active call list.Mr. [redacted] should no longer hear from our...

agency.  If there is another number that he is being reached at please let us know.On behalf of our agency I apologize for any inconveniences our calls may have caused him.Please do not hesitate to contact my office for further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Relations 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.

Dear [redacted]:The debt is collectable in the state of VA.  The statue of limitations pertains to legal action.  Commonwealth Financial Systems has no intention of taking legal action against [redacted] for this debt.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],[redacted], and [redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Bridget [redacted].Can you please ask Ms. [redacted] to provide proof of payment?  She can send it to [redacted] Dickson City, PA18519...

or fax it to ###-###-####.  I have also requested itemized statements from our client, [redacted] Partners.She can reach our office at ###-###-#### to discuss further.At this time the above referenced accounts have been placed in a disputed status and will be placed on hold duringthe investigation period.  Please feel free to contact my office should you have any further questions.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.Thank You.Stephanie

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 account was listed under a different last name.  The account has been located and I emailed [redacted] a letter stating
that the account has been paid and that Commonwealth sent the three major credit reporting agencies a deletion update the end
of October.  However if this account is still appearing on [redacted]'s credit history she should file a dispute with the credit
reporting agency.  CFS has no control over how long it may take the Bureaus to remove the trade line.
Please feel free to contact my office with any additional questions.
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.
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].Commonwealth Financial Systems received [redacted]'s settlement payment on 8-3-2016 and on 8-6-2016 a deletion request was sent to the three major credit...

reporting agencies.  Unfortunately we have no control over how long it may take the CRA's to remove the tradeline.  I have placed a deletion letter in the mail to [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.