Master Tech Automotive, Inc.

RE #*** $731.00 Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. Commonwealth Financial Systems will mail *** *** a validation of debt letter. This letter will provide information that pertainsto the original
creditor of this account. In addition a deletion request will be forwarded to the three major credit reporting agenciesas this account is being investigated. Collection activity will cease. *** can contact our office to discuss further by calling ourtoll free number ###-###-####. This extension will place her directly with our collections manager, MrRobert H***.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D***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

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your agency on behalf of *** ***. Commonwealth FinancialSystems received *** ***'s certified letter on August 11, 22016. At that time a validation letter was mailed to her to the
addressthat is listed in this complaint. Our agency sent a deletion update to the CRA's on 9-3-2016. In addition an itemized statement willbe mailed to *** *** today which will provide date of service, description of services, amount charges, and explanation of charges. Collection activity will cease while the account is being investigated. *** *** can reach our office at ###-###-#### to further discuss.Our fax number is ###-###-#### should she like to send correspondence to our agency.Please feel free to contact my office for further assistance.Thank you.Sincerely,Stephanie D***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 ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***.Commonwealth Financial Systems will send a deletion update to the three major credit reporting agencieson #*** in the amount of $243.70. The service date on this
account is therefore approaching the out of stat limitation. However in reference to #***, $the date of service is 4-1-2012. CFS sent *** ***a validation letter in November and in December an itemized statement. This account is currently in a disputedstatus and will be placed on hold during the investigation period. Please do not hesitate to contact my office with further questions or concerns.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***Client Relations

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. An itemized statement has been requested from our client, *** Partners and will be mailed to Ms***. At this time the account has been noted
as disputed and collection activity will cease while the account is in the investigation period. 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***Client Relations

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***.Per *** ***'s request Commonwealth Financial Systems has closed and returned the account to ourclient, *** *** ***. *** *** should
no longer hear from Commonwealth regarding thisaccount. A deletion update will be electronically sent to the three major credit reporting agencies, and a copyof this complaint will also be forwarded to our client.Please do not hesitate to contact my office should you need further assistance.Thank You.Stephanie D***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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:I will not accept until it is acknowledged that my faxes have been received and the account has been removed from all credit agenciesI have faxed again with additional documentation and previous transmission status from 08/16/2017. Regards,
*** ***

** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
*** *** ***
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards, As long as they are sending a deletion to the credit bureaus like they are stating then I am satisfied if not I will continue with my disputes
*** ***

RE #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. At this timeCommonwealth Financial System will send a deletion request to the three major credit reporting agencies, and it wouldbe helpful if *** ***
can contact our office so that we can verify information with him in order to provide to our client, *** *** ***. He can reach our agency by calling ###-###-#### or he can send correspondence to the Client RelationsDepartment at ###-###-####.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D***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 #***Dear ***:We are collecting the above referenced account on behalf of ** *** *** for a debt owed to *** *** *** ***. An itemized billing statement will be mailed to *** ***. At this time the account has been noted as being disputed. ***
***should send confirmation to verify that she is not responsible for this debt. She can send it to our mailing address CommonwealthFinancial Systems Main St Dickson City, PA 18519, or fax to the Client Services Department {570} 504-3443. Our email addressis [email protected]. To answer any questions she can reach our agency by calling our toll free telephone number*** Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D***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

*** ***Please be advised that CFSI account * *** in *** *** name was reviewed in conjunction with this complaint. We had sent both a validation letter and an itemized statement concerning the debt to the address we had on file; however, it was noted that the
house number was different than the house number provided in this complaint. Our Client Relations department will be sending the validation and itemized bill to the correct address, to assist *** *** with identifying the debt as needed. Apologies to her for the incorrect information we had in our record!Additionally, please be advised that we have requested the account be deleted from credit reporting by the major credit reporting agencies, for a period of no less than days from today. If the debt is still not recognized after review of the validation letter and itemized bill, it should be disputed with documentation supporting the reason.For a few examples: if the account was paid prior, a payment receipt must be submittedIf the debt results from identity theft, a police report must be submittedIf insurance should have covered the expense, proof of coverage on the date of service must be submittedAll information pertaining to dispute may be sent to us either by fax to* *** OR to our email address, *** We encourage *** *** to send in any such documentation as soon as possible after review of the itemized bill, and we will be happy to close the account and return it to our client as disputed with evidence.We hope this addresses all concerns of this consumer.Thank you,Kathleen M***
*** ***

[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 ***, and find that this resolution is satisfactory to me However, I would like to obtain a copy of the deletion letter that is being sent to the credit bureaus ASAP
Regards,
*** ***

Dear ***,Please be advised that CFSI account # *** for *** *** in the amount of $was reviewed in conjunction with this complaint.A validation letter and later an itemized statement were both mailed to this consumer and he still stated that he did not recognize the debt.
This account was closed and returned to our client in response to this information from the consumer. It will be removed from reporting by the major credit reporting agencies. As a third-party debt collector, Commonwealth Financial Systems, Incdoes not have signed contracts with consumers; we service accounts on behalf of our clients, who own the debt, and request all documentation from them. With respect to medical debt and in particular to bills from emergency physician's groups, there are no signed contracts available. Consumers do not sign contracts with all attending physicians in an ER situation. Therefore we are not able to comply with consumer requests for signed contracts; this does not in and of itself mean that a debt is not valid.We hope this answers all concerns on the part of MrStrong.Thank you,Kathleen M***Legal/Compliance Admin

Dear ***,Please be advised that our office thoroughly reviewed *** account # *** in conjunction with this consumer complaint. We assure *** *** *** that this item was deleted from his credit report, as it was paid in full and we send deletion requests to all major credit
reporting agencies immediately upon receiving payment on the accounts we service. Removal from credit reporting was *** *** ***'s first concern, and that is visible in our system as having been completed.Regarding the consumer's refund request, please be advised that this was a new account with our office, added into our system on June 3, 2017. The consumer paid it before a validation letter was sent out; that being the case, we have requested an itemized statement from our client. This statement will be mailed out to *** *** ***, together with a cover letter explaining the charges as shown, as soon as it is received in our office.The original bill was from *** *** *** Physician's Group, not from the hospital itself (with whom *** *** *** had checked to see if anything was owed.) This was not an outstanding hospital bill but rather a co-pay or doctor's fee from an out-of-network medical provider from which service was received during a hospital visit on date of service 2/18/2011. Physicians' bills are separate from the hospital billing system and are generally handled in-house for a period of time, then eventually charged off if not paid and often serviced by third-party collection agencies such as Commonwealth Financial Systems, Inc., in an attempt to recover the funds for the service provider. We were servicing the account on behalf of our client, ** *** ***, the company that purchased this account.We hope that this explanation, together with the itemized statement that *** *** *** will receive in the next 7-business days, will answer all questions concerning this legitimate collections account.Thank you,Kathleen M***Legal/Compliance Admin

The validation letter was mailed to the address that is listed in this complaint. Please see attachment. There is no indication that this letter was returned to our office for any reason. In addition I had call recordings pulled and our compliance department found no call violations. I have provided our client with *** ***'s claims and they are going to research with Texas Health Resources, however, the representative that is handling this account will be out of the office until Monday, April 24th. Please do not hesitate to contact my office for further assistance.Thank You.Sincerely,Stephanie D***Client Relations

RE #***Dear ***:Our agency has closed and returned the above account to our client, *** ***. A copy of this complaint will be provided to *** as well.In addition we will send the three major credit reporting agencies a deletion request.Please do not hesitate to contact my office should you need further assistance.Thank you.Stephanie D***Client Relations

Dear ***Please be advised that our office reviewed this consumer complaint thoroughly. In response to the concerns expressed we have closed both open accounts in our system listed for Ms*** as disputed due to consumer having insurance coverage at the time of service that should
have covered the expenses. The associated account numbers were: *** and ***.Please note that this action also initiates a deletion request to remove all tradelines on the referenced accounts from credit reporting to the major credit bureaus. We have returned these accounts to our client and are forwarding them a copy of this complaint.We hope this addresses all concerns on the part of the consumer. Thank you, Kathleen M***, Legal/Compliance Admin

RE #*** & #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***. Our office has beenin contact with the attorney's office. We confirmed that Attorney *** is no longer representing *** ***
and the representativeat the attorney's office was not able to look into the files to confirm payment was made. She said she would get back to our agency.If *** *** has proof or can obtain proof he can send it to Commonwealth Financial Systems at *** *** *** Dickson City, PA ***OR fax it to the Client Relations Department ###-###-####. Commonwealth is going to send a deletion request to the three major credit reporting agencies as this account is being investigated. *** *** can reach our office by calling our toll free number ###-###-####for assistance.Please do not hesitate to contact my office should you need further assistance.Thank You.Stephanie D***Client RelationsThis is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used forthat purpose

Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***.Commonwealth will send deletion updates to the three major credit reporting agencies. However we haveno control over how long it may take the Bureaus to remove the trade
lines.Please feel free to contact my office with additional questionsThank You.Stephanie D***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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***