Master Tech Automotive, Inc.

RE; # ***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***. If *** ***can provide documentation to show that he is covered by the VA I can forward to our client, *** *** ***.He can forward the
information either by mail, *** *** *** Dickson City, PA *** or fax ###-###-####As this account is currently in validation period, Commonwealth Financial Systems, will send a deletion update to the threemajor credit reporting agencies. In addition collection activity will cease during this time. *** *** can reach our officeat ###-###-####. This extension belongs to our collection manager, MrScott T***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 thatpurpose

[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.
Regards,
*** ***

To whom it may concern, reCFSI account # ***: please be advised that we do take the concerns expressed by *** *** very seriously. Although the itemized statement relating to this account was received from our client and sent out by mail to *** *** this week, we have closed this account and returned it to our client. A deletion request will be sent to the major credit reporting agencies to stop credit bureau reporting from Commonwealth Financial Systems, Inc.It is hoped that this action addresses all remaining concerns in relation to this 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 *** *** ***.On June *** *** spoke to one of our representatives and advised her that the accounts were due toan automobile accident in 2010.
He requested validation of debt. Commonwealth Financial Systems mailed *** ***validation on June 30, 2016. Additionally my agency sent deletion updates to the three major CRA's. The accounts havebeen placed on hold during the investigation period. Also *** *** should send our agency any documentation thatconfirms the debts have been paid or not his responsibility. Our address is *** *** *** Dickson City, PA ***or he can fax to ###-###-####. Please feel free 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 forthat 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 ***, and find that this resolution is satisfactory to me since they are removing these invalid accounts from my file, and deleting them from all CRA's. Thank you for your efforts, they are greatly appreciated. Regards,
*** ***

Dear ***,Please be advised the two accounts open in our system for *** ***, *** and ***, have been closed and returned to our client. Commonwealth Financial Systems, Incwill send a deletion request to the three major credit reporting agencies for these accounts.We
hope this satisfies the concerns on the part of this consumer with these accounts. Thank you,Kathleen M***Legal/Compliance Admin

RE #*** $1698.00Dear ***,This letter is confirmation that a complaint was received from your office on behalf of *** *** ***. Commonwealth Financial Systems has closed and returned the above referenced account to our client. A deletion request will also be sent to
the three major credit reporting agencies. Please feel free to contact my office should you need further assistance.Thank you.Sincerely,Stephanie D***Client Relations

Dear ***,Please be advised that the account referenced in this complaint, CFSI account # ***, was closed on August 10, 2017, in response to a CFPB complaint from *** *** on this same account. We requested at that time that it be deleted from reporting by the major credit bureaus. Having that request fulfilled on the bureau's end can take a little bit of time, but we assured *** *** that our end had been completed as of the last complaint received. Commonwealth Financial Systems, Inchas not been able at any point to provide the requested signed contract between *** *** and ourselves. We are a third-party debt collector, and as such we do not have contracts directly with consumers. We service accounts on behalf of our clients, who purchase debts from an original creditor or source. Often in the case of medical debt, there is also no contract with the original creditor; imagining a scenario where one is attended to by various physicians during a hospital stay, there may be or more doctors in attendance who all bill separately, and the patient does not sign a contract with any of them. We send validation letters and itemized bills to consumers in order to provide them with the information necessary to investigate the accounts in their name that we are servicing. All information that we provide is in accordance with FDCPA guidelines, as is our overall process. If the consumer recognizes the debt and makes payment on it, it will be deleted from credit reporting upon payment/settlement of the account. If the consumer disputes the account and provides all available documentation relating to the reason for dispute, it will be closed as a valid dispute and credit reporting will cease. When no documentation is provided, that account could conceivably continue to be reported to the bureaus. In the case of this account, we did send all available information to the consumer and did not receive any documentation other than *** ***'s continued assertion that the account was not his. In response to *** ***'s escalating complaints, we closed the account in question and will no longer service it. It is my sincere hope that this information addresses all concerns in relation to this account, closed and returned to our client on August 10, 2017.Thank you,Kathleen M***Legal/Compliance Admin

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***. There is activeaccount with our agency in the amount of $835.00, #***. Validation of debt was mailed to *** *** on 7-1-and anitemized
statement was mailed on 7-25-2016. Commonwealth will send the three major credit reporting agencies a deletion request.Please ask *** *** to send proof of payment to our agency so that it can be forwarded to our client. She can mail it to *** *** **Dickson City, PA *** or fax it to ###-###-####. Our toll free number is ###-###-####.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

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 I will be monitoring my credit files to make sure Commonwealth sticks to their word.
Regards,
*** ***

DEAR ***:THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR OFFICE ON BEHALF OF *** ***.PLEASE BE ADVISED THAT WE HAVE CLOSED AND RETURNED ACCOUNTS ASSIGNED TO OUR AGENCY BY OUR CLIENT, ***
*** ***. COMMONWEALTH FINANCIAL SYSTEMS WILL ALSO
SEND DELETION UPDATES TO THE THREE MAJOR CRA'S.PLEASE DO NOT HESITATE TO CONTACT MY OFFICE FOR FURTHER ASSISTANCE.THANK YOUSINCERELY,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

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your agency on behalf of *** ***.Please be advised Commonwealth Financial Systems will mail *** *** validation of debt. A deletion requestwill be sent to the three major credit reporting
agencies, and collection activitywill cease while the account is under investigation. *** *** can reach our office by calling our toll freenumber ###-###-####. Correspondence can be mailed to Commonwealth Financial Systems Main StDickson City, PA 18519OR faxed to the Client Relations Department ###-###-####.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

Dear ***: Can you please provide additional information. I am unable to properly identify the account with the information provided inthis complaint. An account number and or balance would be helpful.Thank You.Stephanie D***Client Relations

Dear ***, Please be advised that all open CFSI accounts for this consumer have been closed and returned to our client, as validation letters and itemized statements did not result in recognition of these debts. The close codes used on the accounts will trigger deletion requests to the major credit reporting agencies, requesting that they remove these items from reporting.It is our hope that this addresses all concerns on the part of *** ***. Thank you,Kathleen M***Legal/Compliance Admin

Dear ***,ReCFSI account #s ***, ***, and *** (all open accounts) in the name of *** ***: Please be advised that these accounts were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumer’s dispute of
the debts and request for no further collection activity from Commonwealth Financial Systems, Inc., we have closed the accounts and returned them to our client. Please note that this action also initiates a deletion request to remove all tradelines on the referenced accounts from credit reporting to the major credit bureaus. We hope this addresses all concerns on the part of *** ***. Thank you, Kathleen M***, Legal/Compliance Admin

Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf *** ***.I have searched our data base for both telephone numbers that is listed in this complaint {###-###-#### and ###-###-####} and have found no match. I also searched our
computer base by name and address. *** *** can contact medirectly should she 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 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 responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:
Commonwealth Financial has not followed through with what they have stated in their responseSee Message from business belowCommonwealth has not removed the collections tradeline from my credit file.RegardsTroy P***MESSAGE FROM BUSINESS:RE #***Dear ***:Commonwealth Financial Systems mailed *** *** validation of debt 2-23-and an itemized billing statement will be mailed to him today. Also our agency will notify the three major credit reporting agencies to remove the tradeline from his credit file as this account is being investigated. Collection activity will also cease during this time. *** *** may reach our office by calling our toll free number *** should he have any questions. Correspondence can be mailed to Commonwealth at *** *** *** Dickson City, PA ***, faxed to ***, or emailed to [email protected] do not hesitate to contact my office should you need further assistance.Thank You.Stephanie D***Client Relations

Dear *** -In response to ongoing correspondence reconsumer complaint on CFSI account # ***: Commonwealth Financial Systems, Incprovided both an itemized bill containing this consumer's personal information and a validation of the debt according to FDCPA guidelines. We don't often have the ability to obtain original signed contracts from our clients, and that process can take quite a while. The documentation we have available (and that was sent to the consumer) links this debt to this consumer by several identifying factors; so, if *** *** wants her account with us closed, she is again requested to furnish proof of coverage by Medicaid on date of service 5/10/2011. State websites such as MO.gov may be able to provide the necessary information to obtain this proof. Thank you,Kathleen M***Legal/Compliance Admin

Dear ***,As a third-party debt collector, Commonwealth Financial Systems, Incdoes not have signed contracts with consumers; rather, we have business contracts with the clients we serve. As the itemized bill and validation sent to this consumer did not provide adequate proof that the debt associated with his CFSI account was his, please note that the account has been closed and returned to our client, ** *** ***. Deletion notice will be sent to the major credit reporting agencies.We hope this action completely satisfies the consumer's request.Thank you,Kathleen M***Legal/Compliance Admin

Re: #***, #***, #***, and #***, Dear *** ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***Account #*** was closed and returned to our client in January of 2016. A letter was mailed to *** ***in
February advising her that the account was closed and returned to our client, *** *** ***, andthat a deletion update was sent to the three major credit reporting agencies. The other three accounts have openbalances with our agency. Validation was mailed to *** *** in January of 2016 and in addition itemized billing statementswere mailed to her in February of 2016. The accounts have been placed in a disputed status. ** *** can reachour office at ###-###-####. This is the direct extension for our floor manager, MrScott T***. If *** ***has documentation to verify she is not responsible for the debt she can also fax it to our office at ###-###-####.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 used for that purpose.Sincerely,Stephanie D***Client Services