Master Tech Automotive, Inc.

Re #[redacted]Dear [redacted]:Commonwealth Financial Systems will mail [redacted] an itemized billing statement which will explain the charges.  At this time a deletionrequest will be sent to the three major credit reporting agencies.  [redacted] can reach our office by calling our toll free...

number, [redacted]should she have any questions.Please do not hesitate to contact my office should you need further assistance.Thank You.Stephanie D[redacted]Client RelationsThis is an attempt to collect a debt and any information obtained will be used for that purpose.   This is communication from a debt collector.

[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.

I left a message for [redacted],at her extension Reference # [redacted],awaiting a Response..The Rep who is Aware of this case is Alana..[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]

[redacted]
[redacted] Commonwealth Financial Systems is collecting on behalf of [redacted]  The above account wasassigned to our agency by our client, [redacted]  Commonwealth mailed [redacted] a debt validation letteron...

6-13-2016 and also an itemized statement on 7-21-2016.  [redacted] can reach our agency by calling [redacted]Correspondence should be sent to our office pertaining to this debt that would verify that [redacted] is not responsible.  Ourmailing address is [redacted].  Our fax number is [redacted], this number is the Client Relations Department.Information can also be emailed to [redacted]
[redacted]Thank you.Sincerely,Stephanie D[redacted]
[redacted]
[redacted] [redacted]  [redacted] [redacted]
[redacted]

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

[redacted] In response to [redacted] complaint that our company had called the number he provided [redacted] please be advised that our I.T. department checked into this and found no calls to that number at any time.If [redacted] can provide the number that was contacting him we are more...

than happy to look into this further.  Additionally, if there is any number that [redacted] may forward to, OR if this is a business number and perhaps there are additional business lines that this number rolls to, [redacted] is requested to provide that information.  He may send this information to: [redacted]Thank you,Kathleen M[redacted]Legal/Compliance Admin

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 as long as the collection account does not reappear on my credit report. The charges are from 1995. Way beyond legal limits. I also never received anything in 2016 in regards to this claim. Thank you for removing this account from all 3 bureaus. I appreciate it very much.
Regards,
[redacted]  [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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: Per our letter of representation sent from Attorney [redacted] please refer all communication to him.  We are waiting for action to be taken by 9/2 or we are filing a lawsuit. 
Regards,
[redacted]

[redacted]
[redacted]The above listed accounts were reassigned to our agency on 12-7-2016.  There are three open accounts for a total of $1,885.00.Commonwealth Financial Systems mailed [redacted] validation of debt on 12-28-2016.  An itemized...

billing statement will be placedin the mail.  The accounts are noted as being in dispute.  [redacted] can reach our office by calling our toll free number [redacted]should she have any questions.Please do not hesitate to contact my office should you need further assistance.Thank You.Stephanie D[redacted]
[redacted] [redacted]  [redacted] [redacted]

[redacted]Please be advised that our office reviewed the two accounts associated with this consumer's concern, [redacted].  It appears that the validation letters sent out (which provide the amount of the debt, original creditor, date of service, our company's...

information, and all other disclosures concerning the debt as required under the [redacted]) were possibly sent to the wrong address.  [redacted] address was corrected in these accounts and validation letters scheduled to be mailed out to him.  We requested deletion from credit bureau reporting on both accounts for a period no less than 30 days, pending investigation by [redacted]  Upon reviewing the details of these accounts, [redacted] can dispute them if needed.  Please keep in mind that for a dispute to result in an account being closed and permanently removed from collections, documentation supporting the reason for dispute must be provided.  For example, if the account was paid prior, a payment receipt must be submitted. If the debt results from identity theft, a police report must be submitted. If insurance should have covered the expense, proof of coverage on the date of service must be submitted. If the account falls under a bankruptcy ruling, information on the bankruptcy must be provided.  All information pertaining to dispute may be sent to us either by fax to: [redacted] OR to our email address, [redacted]. Our trained staff is available to help the consumer should they have reason to dispute this debt.We hope that this response addresses all concerns on the part of [redacted]Thank you,Kathleen M[redacted]
[redacted]

Dear [redacted],In re: to CFSI account [redacted], please be advised a validation letter is scheduled to be sent to [redacted] at the address listed in her complaint. This letter provides the name of the consumer, name of our client, the original client, date of service, and all other disclosures...

required by FDCPA and applicable State law. The account has been marked as disputed and a deletion letter will be sent to the 3 major credit reporting agencies to delete the tradeline for a period of at least 30 days to allow [redacted] to review the information. We encourage her to then contact our agency at our toll-free number ###-###-#### and speak with one of our representatives. Feel free to contact me  should you need further assistance. Sincerely,Michelle H[redacted]Legal/Compliance Admin

RE #[redacted]DEAR [redacted]:THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR OFFICE ON BEHALF OF [redacted].I RECEIVED CONFIRMATION FROM OUR CLIENT, PENDRICK CAPITAL PARTNERS, THAT NO PAYMENTS WERE RECEIVED ON THE ABOVEREFERENCED ACCOUNT.  AN ITEMIZED BILLING...

STATEMENT WILL BE MAILED TO [redacted].  IF [redacted] HASPROOF OF PAYMENT HE CAN SEND IT TO OUR FAX NUMBER ###-###-#### OR MAIL IT TO [redacted] DICKSON CITY, PA [redacted].THE ACCOUNT HAS BEEN NOTED AS BEING DISPUTED AND WILL BE PLACED ON HOLD WHILE [redacted] REVIEWS THECORRESPONDENCE.  OUR CONTACT NUMBER IS ###-###-####.  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.

RE #[redacted]Dear [redacted]:I was able to locate an account based off of the information that was provided in this complaint on behalf of [redacted], however, I do not show the balance that is listed.  The balance that was assigned to our agency in November of 2016 was...

$1,527.00, and it was closed in June of 2017.A deletion update was sent to the three major credit reporting agencies at that time.  Our agency will send another deletion request.  If this is not the account that is being disputed today please provide an account number.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

Dear [redacted],Please be advised that our office reviewed this consumer complaint thoroughly and located the two associated accounts. CFSI account # [redacted] in the amount of $49.06 was never reported to the credit bureaus as it is under $50.00, and it was correctly coded as Paid In Full on July 14,...

2017 following payment by [redacted].  A separate account, CFSI account # [redacted] in the amount of $922.00 was also received in our office from our client as a new collection on June 1, 2017.  Our office received notice of a dispute of the account on July 24, 2017, and in response to the concern that the account information was inaccurate, a validation letter was mailed out to the consumer on July 27, 2017.  This letter provides the name of our client for whom we are servicing the account (current owner of the debt) as well as the name of the original creditor, the amount of the debt, our contact information, and all other information and disclosures as required under the FDCPA.  We also coded the account as being in validation period dispute, which will remove it from credit bureau reporting for a period of at least 30 days, allowing [redacted] time to research the information provided regarding the debt and provide proof of prior payment or insurance coverage on the date of service if applicable.Should documentation of any reason for dispute be available to [redacted], it may be faxed to us at: ###-###-#### or email to us at: [email protected].  We are available to work on this account with the consumer and update it with reason for dispute and any proof provided.We hope this satisfies all concerns on the part of [redacted] with these two accounts.Thank you,Kathleen M[redacted]Legal/Compliance Admin

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Commonwealth Financial Systems received certified mail from [redacted] on July 14, 2017 at which time a validation of debt letter was placed in the mail. ...

Per [redacted]'s request Commonwealth has closed and returned the account to our client, [redacted].  A deletion request will be sent to the three major credit reporting agencies.[redacted] should no longer hear from Commonwealth pertaining to this debt.Please do not hesitate to contact my office should you need further assistance.Thank You.Stephanie D[redacted]Client Services

Dear [redacted] - Please be advised that after receiving this rejection we closed the associated account.  A deletion update will be sent to the credit bureaus.  A copy of this complaint will be forwarded to our client, [redacted].Thank you,Kathleen...

M[redacted]Legal/Compliance Admin

RE #[redacted]Dear [redacted]:This letter will serve as confirmation that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems received [redacted]'s settlement payment on 8-3-2016 and on 8-6-2016 a deletion request was sent to the three major credit...

reporting agencies.  Unfortunately we have no control over how long it may take the CRA's to remove the tradeline.  I have placed a deletion letter in the mail to [redacted]. 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.

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Please be advised Commonwealth is going to send a deletion  update to the three major credit reportingagencies, however, we have no control over how long it will take the...

Bureaus to remove the trade line.Please feel free to contact my office with additional questions.This is communication from a debt collector.  This is an attempt to collect a debt and any information obtainedwill be used for that purpose.Sincerely,Stephanie D[redacted]Client Relations

From: [redacted]Date: Fri, Aug 26, 2016 at 7:38 PMSubject: Fw: Complaint ID: [redacted]To: "[email protected]" On Thursday, August 25, 2016 2:02 PM, [redacted] wrote:I accepted the offer to remove these from my credit bureau and mark as disputed.  However on last check of my credit bureau's this is STILL in collection status.

#[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems is going to mail [redacted] an itemized statement today.  This statement willprovide original creditor information along with service dates...

and amount due.  At this time the account will bemarked disputed and placed on hold during the investigation period.  However [redacted] can reach our office at ###-###-####should there be any questions or concerns.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 beused for that purpose. Sincerely,                                                                                                                                                                                                                                                                                                                                                                            Stephanie D[redacted]Client ServicesStephanie D[redacted]Client Relations