Master Tech Automotive, Inc.

Ref:[redacted]Dear [redacted],We are in receipt of [redacted]'s rejection to our response of her initial complaint. By way of background, we credit report per client specifications after 30 days. The law does not require notice to be provided to the consumer prior to credit reprorting.  Please be advised Commonwealth Financial Systems, Inc. acted at all times in compliance with the Fair Debt Collection Practices Act (FDCPA).  A validation of debt letter has been sent to consumer which provides the name of our client, the consumer, name of the original client, date of service, and all other disclosures as required by the FDCPA or applicable State law. The account has been marked as disputed and a deletion request was sent to the 3 major credit reporting agencies for the tradeline to stop credit reporting for a period of at least 30 days from the date of the validation letter, to allow the consumer time to review the information. We encourage [redacted] to contact us at ###-###-#### after researching this information, as it will be assumed to be a valid debt after 30 days from the date of the validation letter. We hope this addresses all concerns. Thank you, Michelle H[redacted], Legal/Complaince AdminThis 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 Mr. [redacted].Commonwealth Financial Systems will mail Mr. [redacted] validation of debt.  In addition a deletion update willbe forwarded electronically to the three major...

credit reporting agencies.  Collection activity will cease duringthe investigation period. Mr. [redacted] can contact our office at ###-###-#### if he would like to discuss theaccount.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 beused for that purpose.

Dear [redacted],Re. CFSI account # [redacted], an itemized bill was requested from our client in answer to this consumer's request for further information concerning the debt, and it will be mailed out to the address provided in this complaint.  However, our client is unable to provide...

the requested contract between [redacted] and the medical provider, [redacted].  As is often the case during an ER visit, the patient does not sign contracts with all medical service providers/attending physicians.   The itemized bill will be sent to [redacted] for his records, however please note that his account with Commonwealth Financial Services, Inc. has been closed as of this date, July 18, 2017, and returned 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 bureaus.We hope these actions fully address all concerns expressed in this complaint.  Thank you,Kathleen M[redacted]Legal/Compliance Admin

[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.  On the other hand, we JUST received a bill (the first bill we have ever received from them) yesterday.  It is entirely possible and even likely that they are lying to you in order to receive a satisfactory closure and then will attempt to illegally repost these false charges this to my credit.If they do, I plan on re-opening the complaint and contacting a lawyer.
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:
Regards,
[redacted]
I have attached a police report I am a female not a male I have disputed this with the credit report and have and have reported this to the Attorney Generals Office

RE #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth FinancialSystems will mail [redacted] validation of debt to the address that is listed in this...

complaint.  While the account is under investigationCommonwealth will notify the three major credit reporting agencies to delete the above listed accounts from [redacted]'s credit report.In addition collection activity will cease during this time.  [redacted] can send correspondence to our office at [redacted] Dickson City PA [redacted]or fax it to ###-###-####.  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] $491.00Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  The above referenced account was assigned to our agency for collections on June 6, 2017.  On June 14, 2017 our agency mailed [redacted] a validation of...

debt letter to the address that is listed in this complaint.  At that time we received no response from [redacted].  The validation letter states consumer has 30 days to dispute the debt.  We received a complaint from the CFPB on behalf of [redacted] in October of this year.  Commonwealth Financial Systems requested proof of debt from our client, [redacted].  The itemized statement was mailed to [redacted] on October 12, 2017.The account is currently noted as being disputed.  It would be helpful that [redacted] provide our agency with any correspondence that would verify thatthe debt is now owed or has been paid so that we may forward it to our client.  Our mailing address is Commonwealth Financial Systems [redacted] Dickson City, PA [redacted], fax [redacted], or email [email protected].  Our toll free number is ###-###-####, Mr. Robert H[redacted], Collections Manager.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.

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: Sending me a bill does not make that bill valid and we will have a legal suit on our hands if you dare to pursue this.  As I have indicated to Stephanie D[redacted], the only medical bills I have had in 2010 were related to an accident in which my wife and I were hit by a drunk driver and taken to [redacted] Hospital.  When I called Commonwealth Financial Systems (and oddly enough, they had blocked my phone number, requiring me to call from a different phone - funny, how was I supposed to dispute this with you or provide you with additional info if I can't call you??), they informed me that this was NOT for [redacted] Hospital, but rather for some made up agency.  All valid medical bills were sent to our attorney at [redacted] Law Office ###-###-####.  These two new bills suddenly appearing after SIX YEARS is one of the most obvious scams.What Commonwealth is attempting to do is to double bill me using a fake agency and fake random dollar amounts.  They previously pulled the same illegal scam on my wife and had added no less than eight charges of varying amounts.  I could send Commonwealth a bill for $8,000, but it doesn't make it valid and it does not obligate them to pay it.  I would save yourself the postage and not give me physical ammunition to take to court....that's just my educated opinion.Stephanie: should you ever contact me to collect on this obviously fake debt, or if you ever attempt to damage my credit with fake collections accounts again, you will find very quickly that I have both the money and the will to sue your bottom feeding little joke of a collection agency into oblivion.  I am currently working very closely with the CFPB, who is extremely interested in learning more about your activities, after sharing my wife's past experiences with you.
Regards,
[redacted]

Dear [redacted],We previously requested that [redacted] please fax or email a screen-shot of the Commonwealth Financial Systems, Inc. line item as it appears on her credit report (to fax number ###-###-#### or email address [email protected].)  Since again, we have NO RECORD of an account in our system using the name/address/dollar amount provided, a view to the item as reported would be one way to isolate the account.The only other suggestion that can be offered is for [redacted] to call me directly at ###-###-####, ext. [redacted], and I will work with her to try to locate the account in our system.Thank you,Kathleen M[redacted]Legal/Compliance Admin

RE #[redacted]Dear [redacted]:Please be advised the above account has been closed and returned to our client.  Commonwealth Financial Systems will send a deletionrequest 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

How is it that the creditor can't find these accounts with my name and contact information? That's all they...

needed to report to the CRAs in the first place. The account number (same for both collection accounts) as it appears on my credit report is as follows:D[redacted] in the amount of $516D[redacted] in the amount of $53 Please forward my request to to the collection agency to substantiate these debts by forwarding copies of original signed documents and detailed billing statements to my contact information on file. Furthermore, I am requesting that these collection accounts be dropped from my credit report immediately.Thank you[redacted]. [redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].The telephone number listed in this complaint, ###-###-####, is no longer listed as an active number.  Ihave also notified our client of this...

complaint.  [redacted] should  no longer receive calls from our company.On behalf of Commonwealth Financial Systems, I apologize for any inconvenience our calls has caused [redacted].Please feel free to contact my office with further questions or concerns.Thank You.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Pleasebe advised that the account has been closed and returned to our client, [redacted] as part of a recall.  CFS sent an update to the three major credit...

reporting agencies as a deletion.  However, Ms. [redacted] shouldcontact [redacted] for additional information regarding the account.  They can be reached at ###-###-####.Please feel free to contact my office with any further questions or concerns.Also if this response is forwarded to Ms. [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

Please be advised Commonwealth Financial Systems has closed and returned all accounts to our client.A deletion update will be sent to the three major credit reporting agencies.  [redacted] should no longerhear from Commonwealth or any of its representatives.Please do not hesitate to contact my office should you need further assistance.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].  Theabove referenced account was reassigned to our agency by our client, [redacted], December 6, 2016.At this time Commonwealth Financial Systems...

has mailed an itemized billing statement to [redacted] and a deletionupdate will be sent to the three major credit reporting agencies.  [redacted] can contact our office at ###-###-####and correspondence can be sent to Commonwealth Financial Systems [redacted] Dickson City, PA [redacted] Orfaxed to the Client Relations Department at ###-###-####.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]: This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]. In review of our activity notes, please note the following:  this debt was open for collections on 8/3/2017 in relation to account #1860806, in the amount of $91.00;...

and 8/8/2017 for account # [redacted], in the amount of $968.00. There is no documentation of any contact with the consumer, nor any correspondence being received. The address and phone number we had on file were not current. Validation of debt letters have now been scheduled to be sent to [redacted] at the address provided in the complaint. These letters provide the consumer's name, the name of our client, the original client, date of service and all other disclosures as required by the Fair Debt Collection Practices Act or applicable State law. A deletion request has been sent to the 3 major credit bureaus to temporarily remove the item from credit reporting and allow time for [redacted] to review the information. We encourage [redacted] to contact us at ###-###-#### after receiving the information, as it will be assumed to be a valid debt after 30 days from the date of the validation letter.  We hope this addresses all concerns.  Thank you, Michelle H[redacted] , Legal/Compliance Admin

Dear [redacted], We are in receipt of a complaint by [redacted] however, we were unable to locate an account based on the address and information provided. We ask that he provide the last four of his social security number or address associated with the debt. Sincerely,Michelle...

H[redacted]Legal/Compliance Admin

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].   This account was listed with our office on 11-29-2016, and we are collecting on behalf of [redacted].  Validation of debt letter was...

mailed to [redacted] on 12-7-2016.  On 1-13-2017 [redacted]'s wife contacted our office and stated she would be looking into this matter, however, refused to provide us with a new address.  An itemized billing statement will be placed in the mail today to [redacted] to the address listed in this complaint.  At this time the account has been noted as being disputed.  [redacted] can reach our office by calling our toll free number [redacted] should he have any questions.  He can send correspondence to our mailing address Commonwealth Financial Systems [redacted] Dickson City, PA [redacted],fax [redacted], or email [email protected].  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]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].In May of this year CFS sent validation letters to [redacted] We also received itemized statments fromour client, [redacted] which were also mailed to him on...

June 10, 2015.   The itemized statementlisted the original creditor, [redacted] along with balance and date of service. ?  Please feel free to contact my office with further questions or concerns.Also if this response 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 the purpose.Thank You.Stephanie D[redacted]Client Relations