Master Tech Automotive, Inc.

RE #[redacted]Dear [redacted]:This letter is acknowledgment that Commonwealth Financial Systems received a complaint from your office on behalf of [redacted].Commonwealth Financial Systems received the above referenced account for collections on October 3, 2017.  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. In response to the certified mail we received from [redacted] on December 1, 2017, we mailed a validation letter.  This letter provided the name of our client, the name of the consumer, the amount of the debt, and all other disclosures as required by the Fair Debt Collections Practices Act or applicable State law .   I have also ordered an itemized statement to send to consumer.  Additionally our agency will notify the three major credit reporting agencies to delete the tradeline from [redacted]'s credit report as this account is being investigated.  [redacted] can reach our office by calling our toll free number ###-###-####, Mr. Robert H[redacted], Collections Manager should she have any questions or concerns.   I hope this response was helpful to [redacted].  We would like to resolve this matter as quickly as possible.  Please do not hesitate 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.

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised Commonwealth mailed [redacted] a debt validation letter and also an itemized billing statement.  While the account undergoes...

investigation we will notify the three major credit reporting agencies to delete this account from [redacted]'s credit report.  [redacted] can contact our office should you he have any questions, ###-###-####.  This will place him directly with our collections manager, Mr. Robert H[redacted].  He should also forward our agency any documents that would verify that he is not responsible for this debt so that we can submit to our client.  Our mailing address is Commonwealth Financial Systems [redacted] Dickson City, PA [redacted], fax {[redacted], or he can email [email protected] do not hesitate 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.

Dear [redacted]:Thank you for sending this information, however, the only account that I am able to locate based off of the information provided is a balance of $1527.00.Can you please provide an account number or perhaps the account is under a different name? Thank You.Stephanie D[redacted]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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Dear [redacted]: Can you please provide account numbers or amounts to help identify the account?  We have several accountsunder same name.Thank You.Stephanie D[redacted]Client Relations

Dear [redacted]Please be advised that CFSI account # [redacted] was reviewed in conjunction with this consumer complaint.  Please note that a validation letter containing all information concerning the debt as per FDCPA guidelines was sent to Ms. Parrish on 2/5/17.  An itemized bill...

was ordered from our client and mailed out to the consumer on 6/15/17 in response to her certified letter requesting further validation (received in our office on 5/26/17.)  As these actions have not satisfied the consumer's concerns regarding this account, it has been closed and sent back to our client together with a copy of this complaint.  The close codes used will trigger a deletion request to the 3 major credit reporting agencies to remove the item from reporting.We hope this addresses all concerns regarding this account.Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted]:
This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth
shows eight open accounts that are currently being reported to the CBR:
[redacted] $723.00
[redacted] $1271.00
[redacted] $71.00
[redacted]  $66.00
[redacted]...

$59.00
[redacted]  $119.00
[redacted] $1155.00
[redacted] $927.00
 Most of the accounts were originally placed with our agency in 2014 from our client, [redacted]
and recalled.  At the time of recall CFS sent a deletion update to the three major credit reporting agencies.  Our
client reassigned the accounts back to our agency in 2015.  I am going to send [redacted] validation letters.
  The accounts have been placed in a disputed status during the investigation period and colletion activty
will cease. 
Also if this repsonse is forwarded to [redacted] he 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]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].The above referenced account is listed with our agency under a different last name.  Prior to releasing personalbusiness information our agents will ask to verify two forms of ID.  This is done to protect the consumer. Our agentprovided her name and identified our agency.  On May 3, 2016 CFS mailed a validation letter to [redacted]  Per therequest of [redacted] CFS will no longer contact her.  The account will be closed and returned to our client, [redacted]
[redacted], along with a copy of this complaint.  Please feel free to contact our office should you need further assistance.Thank You.Stephanie D[redacted]Client Relations

RE #[redacted]Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised this account has beenclosed and returned to our client.  Commonwealth Financial Systems 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

Dear [redacted],This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Please be advised that the above referenced debt will be removed from [redacted]'s credit report.  A deletion request was 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

[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. 
[redacted]
[redacted]

RE: #[redacted]Dear [redacted]:This letter is acknowledgment a complaint was received from your office on behalf of [redacted].  Per the requestof our client, [redacted], Commonwealth has closed and returned the account.  A deletion updatewill be sent to the three major credit reporting agencies.  In addition a letter will be mailed to [redacted] confirmingthe account has been closed and the tradeline will be deleted.Please do not hesitate to contact my office if you should 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 usedfor 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 has closed and returned the above referenced account to our client, [redacted].  A copy of this...

complaint will be forwarded to [redacted].  In addition a deletion request will be sent to the three major credit reporting agencies.  [redacted] should no longer hear from Commonwealth or any of its representatives pertaining to this account.Please feel free 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.

[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]

Re: [redacted] This letter is acknowledgment that a complaint was received from your office  on behalf of [redacted]. Please be advised validation letters have been requested to be sent to [redacted] on the above referenced accounts, in addition to other...

accounts that were placed with us. These letters provide the name of our client, the original creditor information, date of service, the amount of the debt, and all other disclosures as required by the Fair Debt Collection Practices Act or applicable State law, to assist [redacted] in identifying the debts owed. Subsequently, the accounts have been placed in dispute status to allow [redacted] time to review the information and investigate the debts. Furthermore, the state of Kentucky does not require a collection license, however, Commonwealth Financial Systems, Inc. does have a Certificate of Authority with the state. Further can be found online. At [redacted]’s request, contact will only be made through the US Postal Service. [redacted] can reach our office by calling our toll-free number, [redacted], and speak with our Collections Manager, Mr. Robert H[redacted], at ex[redacted] regarding the above listed accounts. We hope this addresses all concerns.  Thank you, Michelle H[redacted] Legal/Compliance Admin

Dear [redacted],I am not able to identify an account using the information that was provided in this complaint.  Can you please provide an account number?Also [redacted] can reach our office by calling our toll free number ###-###-####, Mr. Robert H[redacted]Thank YouSincerely,Stephanie D[redacted]Client Services

[redacted]This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]  We received confirmationfrom our client, [redacted], that the balance of $106.00 is currently owed by [redacted].  Proof of payment can be sent...

to ourmailing address, Commonwealth Financial Systems [redacted], faxed to [redacted] or emailed to[redacted]   Please reference it with account number [redacted].  Also our agency will send a deletion request tothe three major credit reporting agencies as this account undergoes investigation and collection activity will cease. An itemized billing statement has beenplaced in the mail for [redacted].  Our toll free number is [redacted]Please feel free 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 used for that purpose.Client Relations

[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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:  2 validation request documents have already been mailed certified return receipt......this first signed documented request was received on 07/01/2015 when it was discovered on my credit report ..........another letter was mailed certified return return receipt and signed on 07/29/2015....which has already been stated in my first complaint .......both requesting validation of the debt.IF THE CREDITOR HAS NOT VALIDATED THE DEBT  THEY ARE NOT ALLOWED TO REPORT IT UNDER THE FAIR CREDIT REPORTING ACT......THIS IS A VIOLATION OF THE ACT 
Regards,
[redacted]

Re: [redacted]Dear [redacted], The above referenced account has been closed and returned to our client, [redacted], per [redacted]'s request. We will be sending the deletion update to the bureaus. Sincerely,Michelle H[redacted]Legal/Compliance

Dear [redacted]:
This letter is acknowledglment that a complaint was received from your office on behalf of [redacted].
This account was assigned to our agency by our client, [redacted] from the original credtior,
[redacted].  However due to [redacted]...

request to discontinue the bill I have placed the account
in a decease and desist status.  [redacted] should no longer hear from CFS pertaining to this debt.
Please feel free to contact by office with any additional 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