Master Tech Automotive, Inc.

Dear ***: I will request an itemized billing statement from our client and mail it to Ms***.Thank You.Stephanie D***Client Relations

RE #***, #***, and #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***.Account #*** has been closed and returned to our client, *** *** ***. Commonwealth FinancialSystems will send
another request to the three major credit reporting agencies to delete this tradeline from *** ***'scredit history. Accounts #***, $and #*** $were reassigned to our agency in August of 2016.Validation of debt was mailed to consumer on August 10, 2016. There has been no FCRA violations pertaining to these accounts.In addition I have requested itemized billing statements from our client to send to *** ***. Both accounts are listed as disputed and our toll free number is ###-###-####. Correspondence can be sent to *** *** *** Dickson City, PA ***or faxed to ###-###-####. Collection activity will cease during the investigation period. 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 information obtained will be used for that purpose

Dear ***: This letter is acknowledgment that a complaint was received from your office on behalf of Mr*** ***.I am unable to locate an open account under the information Mr*** provided in this complaint. Can youprovide an account number? Also Mr*** can reach me
directly at ###-###-####.Thank You.Sincerely,Stephanie D***Client Relations

Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***.This complaint was forwarded to our compliance department for a review of the phone records. Commonwealth FinancialSystems made contact with *** *** on the
following dates: 11-7-15, 11-14-15, 11-27-15, and 1-6-16. It is not aviolation to call a consumer more than once a day if contact is not made. It is also not a violation to contact a consumerat 8:am. It is a violation to contact a consumer prior to 8:am. Per the request of *** *** this account willbe placed in a cease and desist status. *** *** should no longer hear from CFS or any of its representatives pertainingto this debt, #***. Thank you and please feel free to contact my office if you should have any other 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.Sincerely,Stephanie D***Client Relationsfor that purpose

RE : Complaint ID#***Dear ***:Commonwealth Financial Systems, Inchas investigated the above identified complaint and responds as follows:1. It appears that our company attempted to contact the complainant via phone several times in one day. It is not a violation to call
a consumer more than once a day if contact is not made. We apologize for any inconvenience causedand for the failure of our supervisor to satisfy the concerns of MsSmith, but we do not see any law violation.2. We have removed the phone number provided by complainant and she should receive no further calls.3. We cannot forgive the debt or stop credit bureau reporting the debt as we are a third party collection agency and the debt is owed to our client.4. If the complainant desires to discuss the debt please call ###-###-#### and you will receive ourexecutive assistant. Please have complainant explain that she is calling for further follow up on a Revdex.com complaintand the executive assistant will transfer to our floor manager, Robert L*** at ext ***. This is communication from a debt collector. This is an attempt to collect a debt and any information obtained willbe used for that purposeThank You.Sincerely,Stephanie D***Client Relations

Dear *** *** - Please be advised that the account associated with this consumer complaint was thoroughly reviewed(CFSI account ***)Although it is not a requirement that a consumer have a contract with Commonwealth Financial Systems, Incin order for us to service an account in their name
on behalf of our client, we have complied with Ms*** express request for this account to be closed and have returned it to our client. Deletion request will be sent out to the three major credit reporting agencies.We hope this addresses all concerns on the part of the consumer.Thank you,Kathleen M***Legal/Compliance Admin

Re: *** & ***Dear ***-***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. Commonwealth Financial Systemshas taken this complaint very seriously and forwarded it to our Executive Compliance Department
for review. The calls were retrieved and therewere no call violations found. Commonwealth would like to thank *** *** for satisfying both accounts. Our agency will send a deletion request to the three major credit reporting agencies. Please do not hesitate to contact my office for further assistance.Thank You.Sincerely,Stephanie D***Client Services

[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,
*** ***

[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 accept reply to the Revdex.com, and wish to add that I will file a complaint further with the States Attorney's General's Office concerning this matter against Commonwealth Financial Systems if ever this were to happen againIn addition, I again wish to thank the Revdex.com for allowing me to address my concerns regarding this matterThank you
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Dear ***, Please be advised that our office reviewed the CFSI accounts associated with this complaint (***, ***, and ***.) In response to the consumer's request to cease and desist all contact and collection activity on these accounts we have closed all three and
returned them to our client. The action codes used to close the accounts will also trigger deletion requests to the major credit bureaus to stop credit reporting on these accounts.We hope this addresses the consumer's concerns in full.Thank you,Kathleen M***Legal/Compliance Admin

RE: #[redacted], #[redacted], #[redacted], #[redacted], #[redacted], and #[redacted]Dear Kadi-Ann:This letter is acknowledgment that a complaint was received from your agency on behalf of Ms. [redacted].Commonwealth Financial Systems and [redacted] and Collections are the same company. ...

Commonwealthpurchased [redacted] and Collections.  All of the above accounts have been closed.  Deletion updates were sentto the three major credit reporting agencies.  The credit report that is attached to this complaint shows a reporting dateof May of 2016.  The deletion updates were sent in August of 2016.  If a recently pulled credit history still shows a disputedaccount Ms. [redacted] should file a dispute with the credit reporting agency as this is the most efficient way to have the account removed. 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 as Answered]
 Complaint: [redacted]I am rejecting this response because:I have attached a screen shot of my credit report with the company with an outstanding balance
Regards,
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Please be advised the account in the amount of $572.00 was recalled by our client and CFS did send a deletion update to the three major credit reporting agencies.  I have...

requested that another deletion update to be sent.If the account is still remaining open on [redacted]'s credit history I would recommend that she file a dispute with the credit reporting agencies.   The account however in the amount of $22.00 still does appear to be open and I have sent validation to [redacted].If this response is forwarded to [redacted] she should be aware that this is communication from a debt collector.  This isan attempt to collect a debt and any information obtained will be used for that purpose.Thank You.SincerelyStephanie D[redacted]Client Relations?

Dear [redacted]:The accounts have been closed and returned to our client, [redacted] Partners.  Ms. [redacted] should no longer hearfrom Commonwealth Financial Systems pertaining to the accounts listed in this complaint.  I have also requested a deletionupdate be sent to the three major credit reporting agencies.Thank You.Stephanie D[redacted]Client Relations

RE #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:Commonwealth Financial Systems mailed [redacted] validation of debt letters on each account.  Itemized statements were also mailed to her in January of 2017.  Our agency is collecting on behalf of CP Medical LLC. ...

#[redacted] was removed from [redacted]'s credit history due to the age of the service date, 10-29-2009.The service dates on the other three accounts are from 2011 and 2012 and is listed as being disputed.  [redacted] should provide to our office proof that she is not responsible for this debt so that we can forward to our client.  She can mail it to our office [redacted] Dickson City PA [redacted], fax it to the Client Services Department ###-###-#### or email it to [email protected].  She can also reach our office by calling our toll free number ###-###-####.Thank you and feel free to contact my office should you need further assistance.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.

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

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]

Dear [redacted],Re. CFSI account #s [redacted] in the name of [redacted]: 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 assertion that these debts are not his,...

and also at the request of our client, we have closed these accounts as disputed prior, and returned them to our client.  The accounts were all closed on July 18, 2017. Please note that this action also initiated a deletion request to remove all tradelines on the referenced accounts from credit reporting by the 3 major credit bureaus. We hope this addresses all concerns on the part of [redacted].  Thank you, Kathleen M[redacted] Legal/Compliance Admin

RE #[redacted] Dear [redacted]: I reached out to our client to further investigate this claim and received notification from Pendrick Capital Partnersto close and return this account due to being paid prior.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 beused for that purpose.

Dear [redacted]:On April 25, 2017 Ms. [redacted]  made a payment arrangement with Commonwealth Financial Systems to pay $20.00 per month.  It is noted that on May 25, 2017 she contacted our agency and requested to stop future payments.  A refund transaction was processedfor...

her most recent payment.  An additional $40.00 was refunded making all three payments now returned to Ms. [redacted].  Please feel free 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.