Master Tech Automotive, Inc.

---------- Forwarded message ----------From: [redacted]Date: Mon, Aug 7, 2017 at 12:33 PMSubject: To: [email protected] COMPANY AGREED TO DEL OFF ALL 3 CREDIT REPORTS PER COMPLAINT THROUGH CFPB

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.

[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]

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]

RE #[redacted]Dear [redacted]:This letter serves as confirmation that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems, Inc. mailed [redacted] validation of debt 12-1-2015.  On 1-14-2016 an itemized billing statement that we obtained...

from our client, [redacted]. was also mailed to her.  The account has been placed in a disputed status at this time. If [redacted] can provide documentation that sheis not responsible for this debt she can mail it to Commonwealth Financial Systems [redacted] Dickson City, PA [redacted]or fax it to ###-###-####.  Also the dates reported to the CRA's are per the Credit Reporting Resource guide forthird party agencies.  Thank You.This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be usedfor that purpose.Stephanie D[redacted]Client Relatio

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].The telephone number that is associated with this account has been removed and a deletion request will be sentto the three major credit reporting...

agencies.  Additionally our representatives are not allowed to disclose the companyname until we properly identify the consumer.  This is done for their protection.  A letter of validation has been mailedto [redacted]. Collection activity will cease while the account is under investigation.She may contact our office by calling ###-###-####.  This will be put in direct contact with ouragency manager, Mr. Rob H[redacted].  Correspondence can be mailed to [redacted] Dickson City, PA [redacted] or faxedto ###-###-####. 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.

Dear [redacted]: The account has been closed and returned to our client, [redacted] and a deletion request will be sent to the three majorcredit reporting agencies.  However CFS makes no representation as to how long it may take the CRA's to remove the tradeline.Thank You.Sincerely,Stephanie D[redacted]Client Services

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems has placed validation a letter in the mail to [redacted] to the address listed in this complaint.  At this time the account has been placed...

on hold and collection activity will cease during this investigation period. Also if this response is forwarded to [redacted] 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.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted] and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems has mailed [redacted] both validation of debt and itemized billing statement for both accounts.  The...

accounts have been placed in disputed status.  If [redacted] has documentation to provide that verifies she is not responsible for the debt she can either mail it to Commonwealth at [redacted] Dickson City, PA [redacted] or fax it to the Client Relations Department [redacted] at which time our agency will notify our client, [redacted].  Also Commonwealth Financial Systems has an executed Business Associate Agreement in file with our client which covers the transfer of PHI.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.

Dear [redacted]:A validation letter was sent to Mr. [redacted] mid July of this year and I am mailing an itemized statement todaythat will provide original creditor information and further details of the account.  Commonwealth is not obligatedto inform consumer that the account is being placed on a credit history.  If Mr. [redacted] can provide documentation that he is not liable for the debt I will forward it to our client.The account is in a disputed status at this time.Please feel free to contact my office with any additional concerns. This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained willbe used for that purpose.  Thank You.Sincerely,Stephanie D[redacted]Client Relations

RE #[redacted], and [redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Please be advised that Commonwealth Financial Systems did receive certified mail from [redacted] in Juneof 2016 and itemized billing...

statements were mailed to [redacted] to the address listed in this complaint.Also validation letters were mailed to [redacted] in May of this year.  The accounts are all noted asbeing in dispute.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.

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.

RE: [redacted], [redacted], [redacted], [redacted], [redacted]Dear [redacted]:This letter is acknowledgment that a compliant was received from your office on behalf of [redacted].The above referenced accounts have been placed with our agency from our clients, [redacted] and [redacted]...

on 5-24-16 and 6-8-16.  On 6-23-16 consumers mother called in and we were given permission from consumer to speak to her and then consumer stated accounts are over the statues of limitation and will not be paying on accounts.  At this time I have placed the accounts in a dispute status and will notify the three major credit reporting agencies to delete the tradeline from [redacted]'s credit.  However I would suggest that [redacted] provide proof that he is not liable for the debts so that I may forward the information to our clients.Please feel free 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 further information obtained will be used for that purpose.

[redacted]
[redacted]: Please be advised Commonwealth Financial Systems mailed [redacted] validation of debt letter June 22, 2017 at which time there was no response.Per [redacted] request to cease communication our agency will close and return the account to our client*...

[redacted]  A deletion requestwill be sent 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 Services

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

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]. The abovereferenced account was listed with our agency for collections on 5-8-2017.  We are collection on behalf of [redacted]for services...

provided to consumer on 6-27-2012.  On June 1, 2017 a validation of debt letter was mailed to [redacted]s and in additionan itemized billing statement was mailed to her on June 13, 2017 which provided additional information pertaining to the debt.   Per [redacted]srequest, collection activity will cease and a deletion request will be sent to the three major credit reporting agencies.  This account will beclosed and returned to our client.  [redacted] should no longer hear from Commonwealth Financial Systems pertaining to the above referencedaccount.Please feel free to contact my office should you need further assistance.Thank You.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.

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]

[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]

[redacted] - In response to the consumer's complaint regarding CFSI account #[redacted], please be advised that we thoroughly reviewed the account in conjunction with the complaint.This account was received new in our office on October 31, 2016, and a validation letter was sent to the consumer's address...

listed in the complaint on 12/29/16.  Upon receiving his dispute via [redacted] the account was coded as a dispute and an Itemized Bill was requested from our client to send out to the consumer.  That correspondence (the Itemized Bill) has not been received in our office to date so it was requested again with urgency and will be sent out to the consumer as soon as it is received.  Once the consumer has a chance to review the itemized bill, he may send any further correspondence (proof of payment, proof that the information provided in the bill is not his, etc.) to us at: [redacted] to fax # [redacted] or email address [redacted].  We will be able to close the account and return it to our client with the necessary information for dispute.  Please also note that the account was deleted from Bureau reporting as of 6/19/17.With respect to the consumer's concern for HIPAA privacy provisions, please be advised that Commonwealth Financial Systems, Inc. is in full compliance with all applicable law and is and covered under a Business Associate's Agreement with our client.  We hope that all consumer concerns have been addressed, and we will get the Itemized Bill out to him at the address provided as soon as it is received.Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted]:Commonwealth has received confirmation from our client, [redacted], to close accounts.Our agency will notify the three major credit reporting agencies to delete the accounts from [redacted]'s credit history,and in addition a deletion letter will be mailed.Thank you and please do not hesitate to contact me should you need further assistance.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.