Master Tech Automotive, Inc.

Dear ***,Please be advised that account # *** has been closed and returned to our client, and that it will be deleting from credit reporting by the major credit bureaus. We hope this satisfies *** ***' concern with the account.Thank you,Kathleen M***Legal/Compliance Admin

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. CommonwealthFinancial Systems received the above referenced account from our client, Pendrick Capital Partners, on March 4, 2016.On March 11, validation of
debt was mailed to Ms***. Also an itemized statement will be mailed toMs*** 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*** can reach out office at ###-###-#### should she wish to discuss the account further.Thank You.Sincerely,Stephanie D***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

** ***
*** *** 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***
*** ***

RE #***Dear ***:Commonwealth Financial Systems has closed and returned this account to our client. A deletion update will be sent to the threemajor credit reporting agencies. In addition a copy of this complaint along with my response will be forwarded to *** *** ***.Please feel free to contact my office for further assistance.Thank You.Stephanie D***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

Re: ***Dear ***, Please be advised the above referenced account has been closed and returned to our clientThis action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the major credit bureausWe hope this addresses all concerns on the part of the consumerThank you, Michelle H***Legal/Compliance Admin

*** *** ** ** *** *** *** ** * *** *** *** *** ** * *** *** *** *** *** *** *** ** ** *** ** *** *** *** *** ** *** ** ***
*** ***
I am rejecting this response because:Please send a full statement from your client and send it to the address you've identified The debt validation should consist of detail that covers the services location, month, date, year and services rendered with the associated costAny other detail does not validate this debt is valid and I have not received a statement from your organizationI would suggest a certified letter
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*** ***

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

[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 ***, and find that this resolution is satisfactory to me As long as they delete the account from all three credit reporting agencies and remove it from my credit report, I will be happy.
Regards,
*** ***

*** *** ** ** *** *** *** ** * *** *** *** *** ** * *** *** *** *** *** *** *** ** ** *** ** *** *** *** *** ** *** ** ***
*** ***
I am rejecting this response because: its a bogus responseIn the event that a contract is not present which in this case would make sense because its a medical claim there still should be a documentation bearing my signature for the allege date of serviceWithout have any documentation you are basing the fact that I may or may not owe a balance is hearsayYou having a contractual obligation with the original creditor in fact has absolutely nothing to do with meYou have the burden of actual and factual proofYou are a third party collector you don't know for certain in fact if this provider is out of network because I don't even knowNot only that anytime you to the doctors office or hospital you are always required to sign an authorization to treat, a consent form, something and it has nothing to do with a provider being in or out of networkIf I bring suit against your office and make no mistake that I will you will have a legal obligation to provide documentation of some sort mere hearsay is not admissable in a court proceeding I would hope you company and legal department is aware of this mere but yet major factor! Under Section *** *** I am once again requesting your provide me with a contract or documentation you have on file agreeing to this allege debtIn the event your company cannot provide the proper documentation please delete this account from your files and credit bureaus and return to the original creditor to handle!
Regards,
Shenina Faircloth

#***, #***, and #***Dear ***:Our agency has closed and returned the above accounts to our client, *** *** ***.Commonwealth Financial Systems will notify the three major credit reporting agencies to deletethe accounts from *** ***'s credit history. Commonwealth makes no representation as tohow long it may take the CRA's to remove the tradelines.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D***Client Relations

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your agency on behalf of *** ***. CommonwealthFinancial Systems mailed *** *** validation of debt on 3-11-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 *** *** ** Dickson City, PA ***. Our fax number is ###-###-####.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D***Client RelationsThis is communication from a debt collectorThis is an attempt to collect a debt and any information obtained will be used for that purpose

RE #*** $773.00Dear ***:Commonwealth Financial Systems will remail the itemized billing statement to *** ***. Also a deletion request wasmade to the CRA's 4-2-2017. We have no control over how long it will take the CRA's to remove the tradeline. Thank You.Stephanie D***Client Relations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:Not only can I not match these accounts (for insurance purposes, and to make sure I'm not double billed) with the documentation provided, several of these accounts are no longer eligible for collection in VA as they have passed the statute of limitationsI am reserving my rights to legal representation as I feel this may be the only way to solve this matter.
Regards,
*** ***

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of Commonwealth Financial Systems. Please be advised our office has closed and returned this account to our client, *** *** ***. *** should no longer hear
from our agency pertaining to this account. A deletion request will be forwarded to the three major credit reporting agencies anda copy of this complaint will also be forwarded to ***.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D***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 responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: The dates MrS*** provided proves that this company took off the original collections through Grapevine Emergency Physicians at the instruction of the credit bureau's and then added them back on in JulyMsS*** also stated that letters were sent to me in 7/No letters were ever received however this violates my rights as I should receive notification in writing days prior to a collection being placed on my creditSince the collection was placed on my credit in July and she states they sent their letter in July it's a blatant disregard of my rights In addition MsS*** says a phone number of ###-###-#### have been used for this collectionI simply provided this number for the complaint because it's my wife's and it's easier to reach herThey are researching that number and pulling a collection my wife had due to my sons serious medical conditionIn other words she just provided you informationThe calls I received at my number have been a violation and that information has been turned over to my attorney. At this point I have sought legal representation and will be suing the company based off MsS***s confirmation that I never received a day notification and her confirmation that they took off a debt and placed it back onIf they want to remove the collections that would be the proper thing to doMy attorney is *** *** and can be reached ###-###-####He is in the process of sending the company a letter of representation. I would like a copy of a certified letter that was sent showing thirty day notification and I want an itemized statement regarding the original collection and date.
Regards,
*** ***

RE: #***DEAR ***: THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR OFFICE ON BEHALF OF MR*** ***.PER THE REQUEST OF MR*** THAT HE NO LONGER RECEIVES CONTACT FROM COMMONWEALTH FINANCIAL SYSTEMS, OUR AGENCYHAS CLOSED AND RETURNED THE ABOVE REFERENCED
ACCOUNT TO OUR CLIENT, PENDRICK CAPITAL PARTNERS. MR*** SHOULDNO LONGER HEAR FROM COMMONWEALTH OR ANY OF ITS REPRESENTATIVESALSO OUR AGENCY WILL SEND A DELETION REQUEST TOTHE THREE MAJOR CREDIT REPORTING AGENCIES. PLEASE DO NOT HESITATE TO CONTACT MY OFFICE SHOULD YOU HAVE ANY QUESTIONS.THANK YOU.SINCERELY,STEPHANIE D***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

***,Commonwealth Financial Systems Incis in receipt of a compliant filed with your office by *** *** ***However, we are unable to locate an account based on the information provided by *** ***We suggest she provide the last digits of her social security number &/or date
of birth in order for us to identify the account referenced in her complaint. Sincerely,Michelle H***Legal/Compliance Admin

Dear ***,We are unable to identify account information based on the information found in the complaintPlease provide last four digits of Social Security number &/or DOBThank You,Michelle H***Legal/Compliance

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:I have been advise by my legal counsel that you can either provide the instrument that bears my signature that binds me to the amount you say I owe, and remove the derogatory information being reported or on August 15th we will move forward with legal action for violation of the FDCPAA complaint has already been filed with your state attorney general’s office as it relates to these matters.Please remove the derogatory information from my reports as I have indicated this debt is not mine and I have no knowledge of itAlso Please note as of today's date 8/9/this information is still being reported to the credit bureaus
Regards,
*** ***
I have been advise by my legal counsel that you can either provide the instrument that bears my signature that binds me to the amount you say I owe, or on August 15th we will move forward with civil action for violation of the FDCPA and the FDCRA complaint has already been filed with your state attorney general’s office as it relates to these matters Thanks

*** ***Commonwealth Financial Systems has mailed *** *** both validation of debt and an itemized billing statement. At this time the accounthas been closed and will be returned to our client, *** ***Thank You.Sincerely,Stephanie D***
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