Master Tech Automotive, Inc.

Dear [redacted],Please be advised that our office reviewed CFSI account # [redacted] in response to this consumer complaint.As a third-party collector we do not have signed contracts with consumers; rather, we have business contracts with the clients we serve.  In response to this consumer's...

request for validation of the debt associated with this account with Commonwealth Financial Systems, Inc., a validation letter (providing all necessary information as per FDCPA guidelines) was sent to the address provided in this complaint.  The account was placed in a validation period status to remove it from credit reporting by the 3 major credit bureaus through August 31, 2017 or through such time as we are contacted by [redacted] if earlier than that date.  We encourage [redacted] to contact our office at: ###-###-#### after researching the debt.  If it needs to be disputed and proof as to the reason for dispute can be sent to our office, we can work on the consumer's behalf to get the account closed and returned to our client and ensure permanent deletion from credit reporting.  If the debt is to be paid, we can work with [redacted] to make an agreeable payment arrangement.We hope this addresses the consumer's concern related to this account.Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted]:The debt is collectable in the state of VA.  The statue of limitations pertains to legal action.  Commonwealth Financial Systems has no intention of taking legal action against [redacted] for this debt.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.

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 agent provided her name and identified the name of our company.  On May 3, 2016 CFS mailed a letter validating debt to[redacted]  Per the request of [redacted] CFS will no longer contact her.  The account will be closed and returnedto our client, [redacted], along with a copy of this complaint.Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Relations

Ref:  [redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].In Julyof 2015 validation letters were mailed to [redacted].  This letter provides balance and original creditorinformation.  I...

have requested itemized statements from our client, [redacted].  Once receivedI will mail to [redacted] to the address in this complaint.  At the current time the accounts have been placedin a disupted status.  Also I referred the complaint to our compliance department and asked them toperform a telephone investigationof the calls that had taken place to [redacted].  There was one contact that lasted 81 seconds.  I confirmedthere was not a misrepresentation made by our agent, and have attached a copy of the call record.Please feel free to contact my office with any further concerns.Also if this response is forwared to [redacted] he should be made aware that this is communication froma debt collector.  This is an attempt to collect a debt and any other information obtained will be used for thatpurpose.Thank You.Sincerely,Stephanie D[redacted]Client Relations

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

statements.  The above referenced accounts were assigned to our office for collections from our client, [redacted].  We are collecting on behalf of [redacted]  #[redacted] in the amount of $295.00 was listed with our office March 30, 2017.  On April 7, 2017 a validation of debt letter was mailed to [redacted], and on August 24, 2017 we sent her the itemized statement in response to a dispute that was filed through the credit reporting agencies.  #[redacted] $302 and #[redacted] $1526 were both listed with our agency June 28, 2017.  Validation of debt letters were mailed July 6, 2017.  We mailed [redacted] the itemized statement on #[redacted] August 30, 2017 and most recently sent the itemized statement on #[redacted].  [redacted] sent us a fax in August disputing the debt.   At this time the accounts are listed as being disputed.  [redacted] can reach our office by calling our toll free number ###-###-####.  This will place her directly with our collections manager, [redacted].  Any documentation that she has in her possession that would confirm that she is not  responsible for this debt should be forwarded to our office so that we can send it to our client for research.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client ServicesThis 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. This needs to be removed as soon as possible for it has hurt my credit rating due to the companies inaccurate information.
Regards,
[redacted]

RE #[redacted]Dear [redacted]:A settlement arrangement was made in the amount of $564.50 with [redacted] in May of this year.  This account is now settled in full.Can you please provide documentation that will confirm that this account has been paid prior to being placed for...

collections so that I can forward to our client, [redacted].  We will also accept documentation that will confirm that [redacted] is a veteran and not responsible for this debt.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

I would also like to request this account not be transferred to any other agency.
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 whom it may concern re. CFSI account # [redacted]: Please be advised that this account was reviewed fully by our office in conjunction with the consumer complaint received.  In response to Ms. [redacted] request for no further collection activity or contact from Commonwealth Financial Systems,...

Inc., we have closed this account and returned it to our client indicating no further contact to the telephone number/s and address for this consumer.  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 this addresses all concerns on the part of the consumer.  Thank you, Kathleen M[redacted], Legal/Compliance Admin

Dear [redacted]: We received notification from our client to remove the account from collections.  The account has been closed and a deletion letter has been mailed to Mr. [redacted].Thank you and please let me know if 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 usedfor 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 spoke to [redacted] earlier this month.  [redacted] advised our office at thattime the account was paid prior and that she...

was going to email confirmation to our office.  To this date we havenot received any documentation confirming the above referenced account was settled.  Per [redacted] request Iam going to close the account and return it to our client, [redacted].  She will no longer hear from CFS or anyof our representatives.  I will also notify our client of this complaint.   In addition CFS will send a deletion update tothe three major credit reporting agencies.Please do not hesitate to contact my office should you need further assistance.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.Sincerely,Stephanie D[redacted]Client Relations

Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted],Account #[redacted].  This account was been closed and returned to our client, [redacted],and a deletion update was forwarded to the three major credit reporting...

agencies mid August of this year.We have no control over how long it may take the Bureaus to remove the trade line.  I would suggestto ask [redacted] to check her credit history in 30 days and if it is still reporting as an open accountto file a dispute with the credit agencies.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

[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 for the account to be removed. However, I am still awaiting validation for the 22.00.
Regards,
[redacted]

Commonwealth Financial Systems has once again placed an unsubstantiated collection on my credit reports in the amount of $57.00. This is the 6th time that this fraudulent account has appeared on my credit reports and the 4th time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. [redacted], [redacted] & [redacted] have also reported this false collection in the past. It took assistance from the Attorney General's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has well over 700 complaints with the Consumer Financial Protection Bureau and hundreds with the Revdex.com. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General & the Consumer Financial Protection Bureau. I am also filing a complaint with ACA International for code of conduct violations. I have perfect credit and my reputation has been severely damaged because of the abusive and deceptive tactics by Commonwealth Financial.Delete this unsubstantiated collection from my credit reports.

Dear [redacted]:Commonwealth Financial Systems has closed and returned the account to our client, [redacted].[redacted] should no longer hear from Commonwealth or any of its representatives.  Thank You.Stephanie D[redacted]Client Relations

Interesting phrase,  "sufficient evidence".  A bill by spmeone 5 years after the fact is weak of any "evidence".  A court, which is the next step if you dont back off, will see in about two seconds that no attempt has been made to mitigate any damages, the identification of the alleged patient is incorrect and my ability to respond has been severely prejudiced by the 5 year delay.  Drop this now or waste more of my time and spend $10000 in attorney fees.  You have not been diligent and you are entitled to nothing. 
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Dear Kadi-Ann, In response to this consumer complaint, our office has reviewed CFSI accounts 97027507 and 97027505.  These accounts were received new in our office on May 16, 2017, and we do not show any actual contact with the consumer, Mr. Washington, until the date of this...

complaint.  We show no record of any connected calls either placed to or received from Mr. Washington's number on either account.  That said, in full compliance with the FDCPA and FCRA, validation letters were sent out for both accounts upon contact from the consumer.  These letters provide for each account the name of the original creditor, the name of our client for whom we are servicing the account, the dollar amount of the debt associated with the account, our information, and all other information and disclosures as required under the FDCPA.The accounts have been removed from credit reporting by the 3 major credit reporting bureaus for a period of no less than 30 days, pending the consumer's response to the validation letters that were mailed out today (August 9, 2017.)  Should [redacted] have reason to dispute either or both of these accounts, all information and supporting documentation pertaining to dispute may be sent to us either by fax to: [redacted] OR to our email address, [redacted]We hope that this response addresses [redacted] request to have these items removed from credit reporting until they can be fully reviewed by him.Thank you,Kathleen M[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 received a letter from Commonwealth today 01/13/16 after request, stating they have closed the account and will notify the three credit agencies to delete the reported account. I am satisfied however if the credit agencies are not notified and the charge removed I will be contacting again. Thank you for your assistance in clearing this from my credit.
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].#[redacted] in the amount of $339.00 was closed and returned to our client, Cascade Capital LLC.  A deletionupdate was sent to the credit reporting agencies in October of...

2015.  If the account is still being reported on[redacted]'s credit history he should file a dispute with the CRA's as this is the most efficient way to remove thetrade line.  With regards to #[redacted] $773.00, a validation letter and an itemized statement was mailed to [redacted]
[redacted] in October of 2015.  Also our surety bond number for the state of Texas is #[redacted].Please do not hesitate to contact my office with additional questions.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.Thank You. Sincerely,Stephanie D[redacted]Client RelationsSincerel

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].Commonwealth Financial Systems has closed and returned the above account because verification of debt was not available.CFS will send notification...

to the three major credit reporting agencies  to remove the account from [redacted]'s credit history.CFS makes no representation as to how long it may take the CRA's to remove the tradeline.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.