Master Tech Automotive, Inc.

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems has removed the telephone number listed in this complaint, ###-###-#### as a active number.  [redacted] should no longer...

receive calls from our agency.  On behalf of our company I apologize for any inconvenience our calls may have caused [redacted]. In addition I have notified our client, [redacted], of this complaint and requested that they also remove the telephone number from their records.Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Relations

[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Mr. [redacted].  Commonwealth Financial Systemsis collecting on behalf of [redacted]  We received the above referenced account for collections on...

12-25-2015.  A validation of debt   letter was mailed to Mr. [redacted] in March of 2016.  In addition I have requested an itemized billing statement from our client.  As this accountis being investigated, CFS will send a deletion request to the three major credit reporting agencies.  Mr. [redacted] can reach our office by calling ourtoll free telephone number, [redacted].  Correspondence can be mailed to our agency at [redacted], faxed to[redacted] or emailed to [redacted].  Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie DalykasClient 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].Commonwealth Financial Systems received confirmation from our client, [redacted], that this account was covered under charity care.  CFS has closed...

and returned the account and in addition will notify the three major credit reporting agencies to delete this account from [redacted]'s credit history.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 information obtain will be used for that purpose.

[redacted]
 Commonwealth Financial Systems mailed [redacted] validation of debt which is in full compliance of the FDCPA.  An itemized billing statementwas also mailed to her 5-24-2017.  Thank You.Stephanie D[redacted]

Dear [redacted], Please be advised that Commonwealth Financial Systems, Inc. could only locate one open account for this consumer, CFSI account # [redacted], in the amount of $486.00 (not $480.00.)  There is nothing in our database record for this account that shows that it was paid at any point...

either to us directly or to our client.  Therefore, we are requesting that the consumer please send proof of any prior payment (payment receipt) to us at: Commonwealth Financial Systems, Inc. 245 Main Street, Dickson City, PA 18519 OR to our email address at: [email protected].  We can close the account and return it to our client, also deleting it from credit bureau reporting, with proof of payment.  Please note that a verbal payment agreement is not the same thing as proof of prior payment, and would not result in removal from bureau reporting.We hope this addresses the consumer's concern.Thank you,Kathleen M[redacted]Legal/Compliance Admin

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]

[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 need [redacted] contact info. I need info. CFS has provided to [redacted] inclusive of all personal information such as social security info.   I  need written confirmation of deleted credit information. I need written confirmation CFS incorrectly reported the information to each of the credit reporting agencies. I need written confirmation CFS has deleted all of my personal information from the business. The company can mail the information to my address as soon as possible. 
Regards,
[redacted]

[redacted]
 I am not able to properly identify an account using the information that was provided in this complaint.  Can you please providean account number and amount of debt.  Date of birth would also be helpful.Thank you kindly.Stephanie D[redacted]
[redacted]...

[redacted]

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  The above listed account wasassigned to our agency for collections on October 18, 2017.  Commonwealth Financial Systems is collecting on behalf of [redacted]...

[redacted]Physicians for date of service November 1, 2011 in the amount of $757.00.  In review of our records [redacted] does not indicate that we received communicationfrom [redacted]   [redacted] [redacted] is requesting to stop communications in his complaint and states he will not make payment.  To honor this request our agency has closedand returned the account to our client, [redacted].  [redacted] should no longer hear from [redacted] or any of its representatives.  A copyof this complaint will be forwarded to our client.  Additionally [redacted] will send a deletion request to the three major credit reporting agencies. Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services 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 #[redacted] & #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please beadvised Commonwealth Financial Systems has closed and returned both of the above accounts to our client, [redacted]...

[redacted].CFS will send a deletion request to the three major credit reporting agencies.  Also I will send a copy of this complaint along with myresponse to our client.  [redacted] should no longer hear from Commonwealth or any of its representatives in regards to the abovelisted debt.Please feel free to contact my office should you need further assistance.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]  [redacted]
[redacted]
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]
[redacted]This account was closed and returned to our client, [redacted].  A deletion update was sent to the threemajor credit reporting agencies.  [redacted] can reach [redacted] by calling their toll free number [redacted]
[redacted]Sincerely,Stephanie D[redacted]
[redacted]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 #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Please be advised Commonwealth Financial Systems mailed [redacted] both validation of debt on 6-16-16and an itemized billing statement on 8-6-16.  The account...

is currently in a disputed status.  Please ask [redacted]to provide a copy of a police report to validate her claim of ID theft.  At that time we will forward the information to ourclient, [redacted].  [redacted] can contact our agency at ###-###-####.  Correspondence can be mailed to[redacted] Dickson City, PA [redacted] or faxed to ###-###-####.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]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]. A copy of police report is needed to forward to our client.  Please mail it to [redacted] Dickson City, PA [redacted]or it can be faxed to ###-###-####. ...

The account has been placed in a disputed status at this time.Thank You.This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will beused for that purpose.Sincerely,Stephanie D[redacted]Client Services

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Mr. [redacted].Mr. [redacted] spoke to an agent from Commonwealth Financial Systems on 3-28-2016.  At that time Mr. [redacted] requested to pay a discounted amount.  He...

paid $472.50 the same day which settled the account in full.A deletion update was sent to the three major credit reporting agencies 4-2-2016.  Also it is not a requirementthat Commonwealth notify a consumer prior to credit reporting.  Mr. [redacted] states in his complaint that I failed to state mini-Miranda.  Please be advised that I did not speak to Mr. [redacted].It is noted that our agent that did speak to him quoted the min-Miranda statement.  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 usedfor that purpose.

#[redacted] & #[redacted]Dear [redacted]:Please accept my apology for any confusion that was caused by not being able to locate the above referenced accounts.The last name was misspelled and the address was forwarded to us as [redacted] Henderson NV.  The accountswere listed with our office in March of 2016.  Validation of debt will be mailed to Mr. [redacted].  In addition CommonwealthFinancial Systems will notify the three major credit reporting agencies to delete both tradelines from Mr. [redacted]'s credithistory.  The accounts will be placed on hold and collection activity will cease during the investigation period.  I will alsorequest itemized billing statements from our client, [redacted] Partners per the request of Mr. [redacted].  A copyof this complaint along with my response will be forwarded to our client.  Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be usedfor that purpose.

Dear [redacted],Please be advised that our office reviewed this consumer complaint in conjunction with the associated account, CFSI account # [redacted].  The account was received new in our office from our client on June 3, 2017.  There was no contact to or from [redacted] until August 7,...

2017, and following her request for validation a validation letter was mailed to her address on August 9, 2017.  The account was also requested to be removed from reporting by the 3 major credit bureaus for a period no less than 30 days, as per FDCPA guidelines, to allow [redacted] to investigate the information sent to her.We hope this addresses all concerns with this account at this time.Thank you,Kathleen M[redacted]Legal/Compliance Admin

RE: [redacted]DEAR [redacted]:THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR AGENCY ON BEHALF OF [redacted].PLEASE BE ADVISED THAT A LETTER OF VALIDATION WAS MAILED TO [redacted] ON 2-25-2016 WHICH PROVIDED ORIGINALCREDITOR INFORMATION.  ON MARCH 24, 2016 AN...

ITEMIZED STATEMENT WAS ALSO MAILED TO [redacted].  THIS STATEMENTWAS PROVIDED TO COMMONWEALTH FINANCIAL SYSTEMS BY OUR CLIENT, [redacted].  IT IS NOT SOMETHING THAT OURAGENCY TYPED UP.  AT THIS TIME COMMONWEALTH WITH NOTIFY THE THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVETHIS ACCOUNT FROM [redacted]'S CREDIT HISTORY, HOWEVER, I WOULD SUGGEST THAT [redacted] PROVIDE DOCUMENTATION THATSHE IS NOT RESPONSIBLE FOR THE DEBT.  IF SHE WAS A VICTIM OF ID THEFT SHE SHOULD PROVIDE A POLICE REPORT.   AT THIS TIMETHE ACCOUNT WILL BE PLACED ON HOLD.  OUR OFFICE CAN BE REACHED AT ###-###-#### OR FAX ###-###-####.PLEASE DO NOT HESITATE TO CONTACT MY OFFICE SHOULD 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 WILL BE USED FOR THAT PURPOSE.

RE #[redacted], #[redacted], #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:The first three account numbers above were closed and returned to our client.  Commonwealth Financial Systems will send another request to the three major credit reporting agencies to have the accounts...

removed from [redacted]'s credit report.   Validation of debt letters will be mailed to [redacted] on the last three accounts.  As the accounts are being investigated Commonwealth will send a deletion request on these as well.Collection activity will also cease.  [redacted] can reach our office should he have any questions by calling our toll free number ###-###-####.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.