Master Tech Automotive, Inc.

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

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] & #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]. Validation of debtwas mailed to [redacted] in March of 2016 on both accounts.  However, the accounts were recalled from our...

agency by ourour client, [redacted],  in July of 2016.  Both accounts are closed and deletion updates wereelectronically sent to the three major credit reporting agencies.  [redacted] can reach [redacted] at ###-###-#### option *.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 forthat purpose.

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  CommonwealthFinancial Systems will mail [redacted] validation of debt to the address that is listed in this complaint.  While the account is under...

investigation collection activity will cease, and a deletion request will be sent to the three major credit reporting agencies.[redacted] can reach our office at ###-###-#### if she should have any questions.  She can also send  any documentation to either our mailing address, [redacted] Dickson City, PA [redacted] or our fax ###-###-####.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 used for that purpose.

Dear [redacted]Please be advised that, while the debts associated with the seven open accounts in our system for [redacted] were not disputed with documented reason, (examples of required documentation for permanently removing accounts from collection efforts include: copy of a police report...

if claiming true identity theft, payment receipt if claiming account was paid prior, proof of insurance coverage at the time of service if claiming that insurance should have paid the expense, etc.) all seven accounts have been closed and returned to our client.  [redacted] requested complete removal of her information from our system, so all accounts were marked as Cease and Desist and her information will not come back up in our system at any point in the future.  Additionally, deletion notices will be sent to the 3 major credit reporting agencies to remove the accounts from credit reporting as needed.  The bureaus may take 2-4 weeks to respond to these deletion requests, but on our end these deletion requests are sent out by automated process once accounts are closed. We hope these actions fully address the concerns of this consumer.Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted]: Attached is confirmation received from the three major credit reporting agencies showing tradeline not found.Thank You.Stephanie D[redacted] Transunion Account Reporting Review ReportDate: 05/19/16Time: 15:31 CTSubject: [redacted]Curr Addr: [redacted].,Lompoc CA. 93436TRADELINE NOT FOUND ON SUBJECT'S FILE END OF TRANSUNION REPORT

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems mailed [redacted] validation of debt 2-23-2017 and an itemized billing statement will be mailed to him today.  Also our agency will notify the three major credit reporting agencies to remove the tradeline from his credit file...

as this account is being investigated.  Collection activity will also cease during this time.  [redacted] may reach our office by calling our toll free number [redacted] should he have any questions.  Correspondence can be mailed to Commonwealth at [redacted] [redacted] Dickson City, PA [redacted], faxed to [redacted], or emailed to [email protected] 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.

Ref. CFSI accounts [redacted], [redacted], [redacted]: Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Our quality assurance department listened to all calls and from a compliance point of view, no laws were violated. However, we...

apologize if the consumer felt that our employees should have been more understanding during what was an elevated conversation. The employees have listened to the calls and understand they must maintain composure even with a consumer who may have been justifiably frustrated. In an attempt to address consumer’s questions, a validation letter was sent to consumer on or about 3/22/2018. This letter provides the name of our client, the original client, name of the consumer, date of service, and all other disclosures as required by the FDCPA or applicable State law. Furthermore, in support of the collection account, we requested additional information from the current creditor which was forwarded to consumer to hopefully provide sufficient information. In addition to the above referenced accounts, account 5514952 was placed with us for collections on 10/11/2017. A validation letter had been sent to consumer on 11/24/2017. Please be advised we credit report according to client specifications. The law does not require our agency to notify consumers prior to credit bureau reporting. The above referenced accounts were reviewed fully in conjunction with the consumer’s complaint and this company fully complied with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. At this time the accounts have been marked as disputed and a deletion request was sent to the 3 major credit reporting agencies to remove the tradeline from reporting for a period of no less than 30 days to allow consumer time to investigate the debt. We encourage [redacted] to contact us at our toll-free number, ###-###-####, after investigating the account. We hope this addresses all issues. Sincerely, Michelle H[redacted], Legal/Compliance Admin 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 has closed and returned the above referenced accountto our client, [redacted].  [redacted]...

should no longer hear from our agency or any ofits representatives.  A copy of this complaint will also be forwarded to our client.  In addition our compliancedepartment performed an investigation on call recordings and found no violations.Please do not hesitate to contact this 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]:
CFS requested an itemized statement from our client, [redacted].  At this time the accounts have
been placed in a disputed status and collection activity will cease during the investigation period.
Please feel free to contact my office with additiona questions or concerns.
Thank You.
Sincerely,
Stephanie D[redacted]
Client Relations

Originally account opened in 08/2016 in the amount of [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.  I will check my credit reports on a regular basis and should the postings not be deleted in a timely manner I will get back in touch with the Revdex.com.
Regards,
Bridget [redacted]

re #[redacted]Dear [redacted]:Commonwealth Financial Systems mailed [redacted] validation of debt letter on 2-2-2017to the address that is listed in this complaint.  [redacted] also spoke to a representative from Commonwealthon 2-27-17 and states that she wanted to resolve...

the matter.  An itemized billing statement was mailed to her on 4-6-2017.The account has been listed as being disputed and [redacted] can reach our office by calling toll free [redacted].Correspondence can be sent to either our mailing address at [redacted] Dickson City, PA [redacted], faxed to the Client RelationsDepartment [redacted] or emailed to [email protected] you and please feel free to contact my office should you need further assistance.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].  On May 18, 2016 Commonwealth Financial Systems received certified mail from [redacted] requesting validationof debt.  On June 3, 2016 an itemized...

billing statement was mailed to [redacted].  CFS also sent a deletion update to thethree major credit reporting agencies.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]:We received notification that [redacted] is being represented by an attorney.  Communicaton will cease with[redacted].Thank YouStephanie D[redacted]Client Relations

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised that the accounts [redacted] is referring to was placed with our agency by our client[redacted], in September of 2015.  The...

dates of service are 7-3-2009.  Validation letters have beenmailed to [redacted].  I will also send a copy of this complaint to our client and request additional validationIn the meantime the accounts will be placed on hold and collection activity will cease during the investigationperiod.Also if this response is forwarded to the consumer 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

[redacted] In response to the consumer's complaint that no validation was received for CFSI account # [redacted], please be advised that this information is scheduled to be mailed out to [redacted] at the address listed in this complaint.  Our validation letter provides the name of the...

original creditor, the amount of the debt, the name of our client for whom we are servicing the account, our business name and contact information, and all other disclosures as required under the [redacted].This account was received new in our office on 6/7/17.  Having just scheduled the validation letter the account has been put into a temporary dispute status, meaning that it will be removed from credit reporting by the 3 major credit bureaus for a period of at least 30 days from today's date to allow [redacted] time to research the debt.  If during that time we receive documentation supporting a valid reason for dispute,(such as account was paid prior, insurance should have covered, identity theft resulted in the debt, there is proof that the information in the account does not belong to this consumer) we will close the account and return it to our client together with all such information.  All information pertaining to dispute may be sent to us either by fax to: [redacted] OR to our email address, [redacted] We hope this response has satisfied the consumer's request for validation of this debt and for removal from credit bureau reporting.  As stated, permanent removal from collections and reporting requires documentation supporting why the debt should not be collected.Thank you,Kathleen M[redacted]

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 ###-###-#### from ourrecords.  [redacted] should no longer hear from Commonwealth or any of it's...

representatives.  On behalfof our agency I apologize for any inconvenience our calls may have caused her.  Also a copy of this complaintwill be forwarded to our client, First Financial Investment Fund.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 obtainedwill be used for that purpose.

[redacted]
[redacted]This letter is acknowledgment that a complaint was received from your office on behalf of [redacted]  Please be advisedCommonwealth Financial Systems has mailed [redacted] an itemized billing statement.  The account is noted as...

disputed.[redacted] can reach our office by calling out toll free number [redacted].  Correspondence can be either mailed toour agency at [redacted] faxed to the Client Relations Department [redacted]
[redacted]Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]
[redacted]
[redacted] a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

Re: [redacted]
[redacted] This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems takes each complaint seriously and has fully reviewed the above listed accounts in...

conjunction with the consumer complaint received. We would like to apologize to [redacted], as the representative she spoke with was still in the training process at the time and had only just been placed on the collection floor to take/receive calls. This collector has since been terminated and will no longer be employed with our company. We provide an extensive training process to our employees on the laws and regulations of debt collecting and we pride ourselves on being committed to excellence. [redacted] states to have been under Medicaid coverage during the time services were rendered. We will need proof of coverage on those dates which she can submit by mail to [redacted]  [redacted] or send it to our email address, [redacted] We have scheduled validation letters to be sent to [redacted] on the above referenced accounts which provide the name of our client, the original creditor information, amount of debt, date of service, 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. Should she have any questions, or need further assistance, she can contact our toll-free number, [redacted] and ask to speak with our Collections Manager, Mr. Robert H[redacted], at ext [redacted] We apologize for the necessity of the consumer to file with the CFPB and assure [redacted] the matter has been addressed. Thank you, Michelle H[redacted] Legal/Compliance Admin