Commonwealth Financial Systems, Incorporated

[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, this company may not re-insert this listing to my credit reports. 
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:  2 validation request documents have already been mailed certified return receipt......this first signed documented request was received on 07/01/2015 when it was discovered on my credit report ..........another letter was mailed certified return return receipt and signed on 07/29/2015....which has already been stated in my first complaint .......both requesting validation of the debt.IF THE CREDITOR HAS NOT VALIDATED THE DEBT  THEY ARE NOT ALLOWED TO REPORT IT UNDER THE FAIR CREDIT REPORTING ACT......THIS IS A VIOLATION OF THE ACT 
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 has received confirmation from our client, [redacted],to close the account as settled in full.  CFS will notify the...

three major credit reporting agencies to deletethe tradeline from our consumer's credit history.Please do not hesitate 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.

#[redacted] & #[redacted]Dear [redacted]:Commonwealth Financial Systems closed and returned both accounts to our client, [redacted].A deletion update will be sent to the three major credit reporting agencies.  A copy of this complaint will alsobe forwarded 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 obtained willbe 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]

Commonwealth Financial Systems has once again placed an unsubstantiated collection on my credit reports in the amount of $57.00. This is the 6th time that this fraudulent account has appeared on my credit reports and the 4th time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. [redacted] & [redacted] have also reported this false collection in the past. It took assistance from the Attorney General's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has well over 700 complaints with the Consumer Financial Protection Bureau and hundreds with the Revdex.com. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General & the Consumer Financial Protection Bureau. I am also filing a complaint with ACA International for code of conduct violations. I have perfect credit and my reputation has been severely damaged because of the abusive and deceptive tactics by Commonwealth Financial.Delete this unsubstantiated collection from my credit reports.

[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]

[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: if they are the ones reporting this account I my credit report then shouldn't they have the information on file? Seems to me like this is a bogus account and needs to be deleted from my credit report asap. 
Regards,
[redacted]

Intentionally left blank

RE: [redacted]DEAR [redacted]:THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR AGENCY ON BEHALF OF [redacted].PLEASE BE ADVISED THAT A LETTER OF VALIDATION WAS MAILED TO [redacted] ON 2-25-2016 WHICH PROVIDED ORIGINALCREDITOR INFORMATION.  ON MARCH 24, 2016 AN...

ITEMIZED STATEMENT WAS ALSO MAILED TO [redacted].  THIS STATEMENTWAS PROVIDED TO COMMONWEALTH FINANCIAL SYSTEMS BY OUR CLIENT, [redacted].  IT IS NOT SOMETHING THAT OURAGENCY TYPED UP.  AT THIS TIME COMMONWEALTH WITH NOTIFY THE THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVETHIS ACCOUNT FROM [redacted]'S CREDIT HISTORY, HOWEVER, I WOULD SUGGEST THAT [redacted] PROVIDE DOCUMENTATION THATSHE IS NOT RESPONSIBLE FOR THE DEBT.  IF SHE WAS A VICTIM OF ID THEFT SHE SHOULD PROVIDE A POLICE REPORT.   AT THIS TIMETHE ACCOUNT WILL BE PLACED ON HOLD.  OUR OFFICE CAN BE REACHED AT ###-###-#### OR FAX ###-###-####.PLEASE DO NOT HESITATE 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.

[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 have never received anything I only saw it on my credit report and I've called and asked and you all still can't find one and took my name and information down and told me it would be removed. 
Please do as promised and remove yourself from my credit report.  This is not my account.  
Regards,
[redacted]

Dear Kadi-Ann, In response to this consumer complaint, our office has reviewed CFSI accounts 97027507 and 97027505.  These accounts were received new in our office on May 16, 2017, and we do not show any actual contact with the consumer, Mr. Washington, until the date of this...

complaint.  We show no record of any connected calls either placed to or received from Mr. Washington's number on either account.  That said, in full compliance with the FDCPA and FCRA, validation letters were sent out for both accounts upon contact from the consumer.  These letters provide for each account the name of the original creditor, the name of our client for whom we are servicing the account, the dollar amount of the debt associated with the account, our information, and all other information and disclosures as required under the FDCPA.The accounts have been removed from credit reporting by the 3 major credit reporting bureaus for a period of no less than 30 days, pending the consumer's response to the validation letters that were mailed out today (August 9, 2017.)  Should [redacted] have reason to dispute either or both of these accounts, all information and supporting documentation pertaining to dispute may be sent to us either by fax to: [redacted] OR to our email address, [redacted]We hope that this response addresses [redacted] request to have these items removed from credit reporting until they can be fully reviewed by him.Thank you,Kathleen M[redacted]

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems will issue a refund to [redacted] in the amount of $564.50 and return the account to our client.  A deletion request will also be forwarded to the three major credit reporting agencies.Thank You.Stephanie D[redacted]
[redacted]

[redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Pleasebe advised that the account listed with our office with a balance of $245.00 has been closed.  A deletion updatewas forwarded to the credit reporting...

agencies.  If this account is still being reported as open [redacted] shouldfile a dispute with the credit reporting agencies.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.  I did not read any resolution.  I am very aware that the company is a DEBT collector.  My issue is that if I had not been aware that I did not have this alleged debt, I might have pay a bill that was never OWED.  How many others, besides myself are being sent DEBT COLLECTIONS from this company, when there is no actual debt due?My ISSUE is that after contacting this comany I had been informed twice that they would reimburse me the amount they have billed me for.  After these statements were told to me by two seperate individuals working for the company - I was never again able to contact either party.  My calls never returned, I left numberous voice mails and also sent letters to them without EVER hearing back.I mailed letters to them that since they are not returning my phone calls and/or responding back to my letters that I now was entitled to double payment if they continued to IGNORE me.  Again, nothing was done - they company did not respond back EVER.This is fraudulent activity that many may have become victumns of.    I want to be reimbursed, for my time, stress, and fraudulant billing.!!!!!
Regards,
[redacted]

Dear [redacted]:Please be advised a/c #[redacted] was recalled by our client, [redacted].  The account has been returnedto [redacted].  CFS sent a deletion update to the three major credit reporting agencies as a deletion.  Ms. [redacted] can reach [redacted]at ###-###-#### to discuss the account.  Please feel free to contact my office with any additonal questions or concerns.Thank You.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted]Beyond continuing to respond to [redacted] that CFSI account # [redacted] was closed with Commonwealth Financial Systems, Inc. on January 21, 2017 (and returned to our client) and deleted from credit bureau reporting on January 22, 2017, a UDF was requested today from our Client Relations Department.  This is a documented request from our company to the credit bureaus asking for manual removal of the line item relating to the debt.  A copy of this letter will be mailed out to Ms. Ray at the address listed in this complaint.We hope this addresses any remaining concerns.Thank you,Kathleen M[redacted]Legal/Compliance Admin

#[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems is going to mail [redacted] an itemized statement today.  This statement willprovide original creditor information along with service dates...

and amount due.  At this time the account will bemarked disputed and placed on hold during the investigation period.  However [redacted] can reach our office at ###-###-####should there be any questions or concerns.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 beused for that purpose. Sincerely,                                                                                                                                                                                                                                                                                                                                                                            Stephanie D[redacted]Client ServicesStephanie D[redacted]Client Relations

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].   This account was listed with our office on 11-29-2016, and we are collecting on behalf of [redacted].  Validation of debt letter was...

mailed to [redacted] on 12-7-2016.  On 1-13-2017 [redacted]'s wife contacted our office and stated she would be looking into this matter, however, refused to provide us with a new address.  An itemized billing statement will be placed in the mail today to [redacted] to the address listed in this complaint.  At this time the account has been noted as being disputed.  [redacted] can reach our office by calling our toll free number [redacted] should he have any questions.  He can send correspondence to our mailing address Commonwealth Financial Systems [redacted] Dickson City, PA [redacted],fax [redacted], or email [email protected].  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]. Validation of debtwas mailed to [redacted] in March of 2016 on both accounts.  However, the accounts were recalled from our...

agency by ourour client, [redacted],  in July of 2016.  Both accounts are closed and deletion updates wereelectronically sent to the three major credit reporting agencies.  [redacted] can reach [redacted] at ###-###-#### option *.Please do not hesitate 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 forthat purpose.