Master Tech Automotive, Inc.

[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

[redacted]Regarding the complaint from [redacted] we cannot locate an account in our system using this name, or the address or phone number provided.  It is entirely possible that an account, especially an account relating to a service date years prior, can be...

under a maiden or former married name, or former address.  We encourage [redacted] to contact our call center at [redacted] to work with one of our account reps.  With additional information we can locate the account referenced in this complaint and initiate the dispute process if this is not a recognized debt.  If [redacted] is more comfortable working with someone in our Compliance Department she is absolutely welcome to call me personally at [redacted]Kathleen M[redacted]

RE #[redacted] & #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems has two active accounts, account numbers listed above, which total $1,025.00.Validation of debt was mailed...

to [redacted] on 10-21-16.  During the investigation period our agency will cease collectionactivity and notify the three major credit reporting agencies to remove both tradelines from [redacted]'s credit history.In addition I will request an itemized billing statement from our client, [redacted].   [redacted] cancontact our office by calling ###-###-####.  Our mailing address is [redacted] Dickson City PA [redacted] and fax###-###-####.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.

[redacted] requested that collection activity cease.  The account has been closed and returned to our client.  She will no longer hear from our agency pertaining to this debt.  A deletion request was sent to the CRA's 4-2-2017.Thank You.Stephanie D[redacted]Client Relations

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  The debt that [redacted] is referring to, originally owed to [redacted], was assigned to our office for collections on 11-6-2017 for date...

of service Mary 20, 2012.  On November 24, 2017 a letter of validation was mailed to her.  I would like to address [redacted]'s claim that the debt is beyond statute of limitations.  This law pertains to the maximum time allowed for taking legal action.   Commonwealth Financial Systems has no intention of filing any kind of judgment or law suit. However due to [redacted]'s request to cease all calls, I have closed and returned the debt to our client, [redacted].  A copy of this complaint will be forwarded to them as well.  Additionally CFS will send a deletion request to the three major credit reporting agencies. She can reach our office by calling our toll free number, ###-###-####, Mr. Robert H[redacted], Collections Manager, should she have any questions or concerns.  My hope is that this matter is resolved for [redacted] and she finds my response sufficient.Please do not hesitate to contact my office should you need further assistance.Thank You.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 Ms. [redacted].Please be advised that our client, [redacted] Partners, has recalled the above referenced account from our agency.Commonwealth Financial Systems has closed and returned...

the account to [redacted] and a deletion update will beforwarded to the three major credit reporting agencies.  I will also mail Ms. [redacted] a closure letter.Ms. [redacted] can reach our office at ###-###-#### should she have any questions.Please feel free to contact my office if 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 willbe used for that purpose.

Dear [redacted],Please be advised that Commonwealth Financial Systems, Inc. takes ongoing consumer concerns like this very seriously.  Re. account # [redacted], I requested information from our I.T. department as to why putting this account in the correct status to remove it from credit bureau reporting (as was done) did NOT result in full deletion from reporting.  The reply I received was that our system always sends the deletion requests to the 3 major credit reporting agencies when an account is coded to do so, but once the deletion request is sent it is up to the credit bureaus to perform the correct actions to cease reporting.  I did confirm that there was no system issue on this end and that the proper actions were taken for this account to be removed from credit reporting.Beyond this, [redacted] took the time to contact the hospital and they informed her that she did not receive service at their facility on the date in her record.  For reason of this inconsistency I have closed the account and returned it to our client as a disputed debt and the focus of a regulatory complaint.  I have also sent them a copy of this complaint.  There will be no further credit reporting or involvement with the account on the part of Commonwealth Financial Systems, Inc.  Apologies to [redacted] that, although the correct actions were taken in account coding/requesting deletion, it took this amount of time to address her concerns fully. Thank you,Kathleen M[redacted]Legal/Compliance Admin

RE #[redacted]Dear [redacted]:This letter will serve as confirmation that a complaint was received from your office on behalf of [redacted].Please be advised Commonwealth Financial Systems will mail place validation of debt in the mail to [redacted].The account has been marked as disputed and will be...

placed on hold during the investigationperiod.  Collection activity will cease during this time.  If [redacted] should have any questions she can call###-###-####.  This extension belongs to our floor manger, Mr. Scott T[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 obtainedwill 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 [redacted] I am not able to locate an account with the information that has been provided in this complaint.  Can you please providean account number?Thank You.Stephanie D[redacted]Client Relations

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems sent a deletion request electronically to [redacted], [redacted], and [redacted] on 4-19-2017.  We have no control over how long it may take the CRA's to remove the tradeline.Thank You.Sincerely,Stephanie D[redacted]Client Relations\

CommonWealth Financial has placed a fraudulent collection on my credit report again!! They're beyond unprofessional! I previously complained earlier this month assigned ID #[redacted] and Stephanie D[redacted]-Client Relations responded stating it would be removed. The charge was removed from all 3 credit bureaus, then on 6/21/17 I got a notice that it was back on my [redacted] report. I contacted them and spoke to a supervisor and they said they don't know why it is re-reporting. This is ridiculous. I have my attorney on standby.REMOVE COLLECTION IMMEDIATELY

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Pleasebe advised Commonwealth Financial Systems has closed and returned both accounts to our client, [redacted]
[redacted].  CFS will send an update to the three major...

credit reporting agencies as a deletion.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.

[redacted]
[redacted] Please be advised this account was reviewed fully by our office in conjunction with the consumer complaint received. We have attempted to work with the spouse of our consumer in order to resolve this, by requesting he provide a letter of eligibility from the...

insurance company for the January date of service coverage, however,  [redacted] has only provided claim history for services provided in February & March of 2015. An Itemized Billing Statement and proof of debt letter for the debt we're continuing to collect, has recently been mailed to [redacted] at his request and should reach him shortly in the mail. We have done everything to work with this gentleman. We encourage [redacted] to submit documentation of coverage for the service date of 1/24/2015 to determine if the debt can be (re)submitted to the insurance company. He can send the letter of eligibility, or any supporting documents to, via email [redacted] [redacted]  [redacted]Feel free to contact me should you need further assistance. Sincerely,Michelle H[redacted]
[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 as Answered]
 Complaint: [redacted]
I am rejecting this response because:it needs to be removed off of my report. I had Medicaid. The hospital in question already had my Medicaid information. 
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, UPON CONFIRMATION letter & updated collection account deletion off of my credit reports.Regards,
[redacted]

Re: 2957170, 2957171 Dear [redacted], We acknowledge receipt  of a complaint received by your office on behalf of **. [redacted]. In review of the above listed accounts, our agency was assigned the accounts for collection September 13, 2017.  Please be advised we are sending [redacted] validation of debt to the address that is listed in this complaint.  This letter will provide the name of the consumer, name of our client, that of the original creditor, the amount of the debt, and all other disclosures as required by the FDCPA or applicable State law. In addition, a deletion request is scheduled to be sent to the 3 major credit bureaus to temporarily remove the item from credit reporting and allow time for [redacted] to research the debt. We encourage [redacted] to contact our Collections Manger, Mr. Robert H[redacted], Collections Manager at ###-###-####, ext. [redacted], after investigating the information, as the debt will be assumed to be valid after 30 days from the date of the validation letter unless disputed.  We hope this addresses all concerns.  Thank you, Michelle H[redacted]Legal/Compliance Admin

Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Commonwealth Financial Systemshas closed the above referenced accounts due to charity care.  A deletion update will be sent to the three major credit reporting...

agencies.A copy of this complaint along with my response will also be forwarded to our client, [redacted].Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

Re: [redacted]Dear [redacted], As per Ms. [redacted]'s request to cease and desist, we have closed this account and returned it to our client. Please note that this action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the 3 major...

credit reporting agencies. We hope this addresses all concerns on the part of the consumer. Thank you,Michelle H[redacted]Legal/Compliance Admin

Dear [redacted]:I will ask that a call be placed to [redacted] [redacted] to make payment arrangement or she can reach our office at [redacted]ext [redacted].  This is the direct line to our floor manager, Mr. Scott T[redacted].  Once payment is posted, providing the paymentis not returned by NSF or a credit card chargeback, we will agree to delete the trade line from [redacted]'s credit history.Please feel free to contact my office with additional questions.This 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.Sincerely,Stephanie D[redacted]Client Relations