Master Tech Automotive, Inc.

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 listed in this complaint.  During this time...

collectionactivity will cease and a deletion request will be sent to the three major credit reporting agencies.  [redacted] can contact our officeat ###-###-#### and speak directly to our agency manager, Mr. Scott T[redacted] at ext [redacted].  Correspondence can be mailed to [redacted]Dickson City, PA [redacted] or faxed to ###-###-####.  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]:Our agency has provided [redacted] with validation of debt and also an itemized billing statement.  The account is noted as beingdisputed.  Documents to verify [redacted]'s claim can be faxed to our office at ###-###-####.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], #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Please be advised Commonwealth FinancialSystems has closed and returned the above referenced accounts to our...

client.  A deletion update will be sent to the three major credit reporting agencies.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

As for being sent validation, which was never received, on 1/20 they did not receive my validation letter until 2/14 so they were still required to send validation by 3/16 which they did not do. And as for being sent an itemized bill on 3/28, that was after 3/16 and it wasn't for this account. This account still has not been deleted.
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please ask [redacted] to send correspondence confirming that she filed a claim under indigent and I will forward it to our client, Cascade Capital LLC.  At this time...

the account has been placed in a disputed status and placed on hold.  She can either mail the paperwork to us at [redacted] Dickson City, PA [redacted], fax ###-###-####, or she can email it to directly to me, [redacted]@cfsi-arm.com.  Our toll free number is ###-###-#### if she has any questions.Thank You. 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.Stephanie D[redacted]Client Relations

Dear [redacted]:Unfortunately I am not able to properly identify an account using the information that was provided in this complaint.Please provide an account number or last 4 numbers of the social security number.Thank you.Stephanie D[redacted]Client Services

Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  On June 5, 2017 [redacted]advised our representative that the above listed account was paid.  It is requested that [redacted] provide our office with proof of...

paymentso that we can forward it to our client, [redacted].  We will also send [redacted] an itemized billing statement.  At this timethe account has been noted as being in dispute.  [redacted] can send correspondence to our office Commonwealth Financial Systems[redacted], fax to the Client Services Department[redacted] or email it to [redacted]m.  Collection activity will cease while the account is being investigated.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.

RE: #[redacted] and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  The above accounts were listed with our agency under the last name of Carter in January 11, 2016.  Certified mail was received from...

[redacted] regarding # [redacted] and validation of debt was mailed on May 12,2016.A deletion update was also sent to the three major CRA's.  I will mail [redacted] an itemized statement.  She cancontact our office at ###-###-#### to discuss the account.Please feel free 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],Please be advised we received a complaint from your office on behalf of [redacted]. However, we are unable to identify an associated account based on the information provided in the complaint. Please be advised we are unable to proceed to a resolution without further...

information. We ask that [redacted] provide the last four of his social security number &/or his Date of Birth. Thank you,Michelle H[redacted]Legal/Compliance Admin

Dear [redacted] - Please be advised that our office reviewed the account associated with this complaint, CFSI account # [redacted].  We have record of mailing a validation letter to this consumer on December 28, 2016.  Following that letter there was no contact to or from the...

consumer until the account was disputed via EOscar on 5/16 and updated as being in a disputed status.  There is no record of a dialog between the consumer and our staff in terms of a request for documentation, however it is standard process to send an itemized bill if dispute occurs after a validation letter was sent to the consumer.  This process has been reviewed with the administrative staff who handled this account, stressing the need to send itemized bills to all consumers associated with disputed accounts for which validation letters were sent previously.  This account was closed by our client as being associated with a prior dispute, on July 17, 2017.  It was removed from CBR reporting as of July 22, 2017.  It shows on our end as no longer being reported, however there can be a processing period of up to 2-4 weeks for the bureaus to remove items from all reporting.  It is our hope that this response addresses all concerns on the part of this consumer.  Being closed as previously disputed, the account will not surface in collections on a future date.Thank you,Kathleen M[redacted]Legal/Compliance Admin

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Ms. [redacted].Commonwealth Financial Systems was assigned the above referenced account from our client, [redacted]Partners, in June of 2014.  Validation of debt was...

mailed to Ms. [redacted] in September of 2014.  The account isin a closed status as it was recalled by our client in January of 2015.  A deletion update was sent to the threemajor credit reporting agencies.  If this account is still being reported on Ms. [redacted]'s credit file I would suggestthat she file a dispute with the credit reporting agency.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 usedfor that purpose.

[redacted]  [redacted]
[redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
[redacted]
[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].I have received confirmation from our client, [redacted], that the balance that was assignedto our agency in the amount of $192.15 is a deductible that is due...

from service provided on 10-30-2012.Validation of debt has been requested and will be mailed to [redacted].  At this time the accounthas been placed in a disputed status and has been placed on hold.  Also if this response is forwarded to 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.Please feel free to contact my office with any additional questions.Thank You.Sincerely,Stephanie D[redacted]Client Relations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is will be satisfactory to me once I receive the documents that they say they will be mailing me. 
Regards,
[redacted]

RE #[redacted], #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office regarding the above referenced account.Commonwealth Financial Systems will mail validation of debt to [redacted] to the address that is listed in this complaint.A deletion...

update will be sent to the three major CRA's and in addition the accounts will be placed on hold and collectionactivity will cease during the investigation period.  Also it is not required that Commonwealth notify a consumer prior tothe reporting of information to the credit bureau agencies.  Please feel free 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 forthat purpose.

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted]r.  Per the request of [redacted], Commonwealth Financial Systems, has closed and returned the above account to our client, [redacted]. ...

[redacted] will no longer hear from Commonwealth or any of it's representatives pertaining to this debt.  Please do not hesitate to contact my office should you need further assistance.Thank You.SincerelyStephanie D[redacted]Client Services

[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. 
Regards,
[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.  However, this company may not re-insert this listing to my credit reports. 
Regards,
[redacted]

RE #[redacted] $681.00Dear [redacted]This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems will mail [redacted] validation of debt.  A deletion update will also be sent to the three major credit reporting...

agencies as this account is being investigated.Collection activity will cease.  [redacted] can reach our office by calling our toll free number ###-###-####.  This extension will be place him directly with our collection manager, Mr. Robert H[redacted].  In addition [redacted] should forward our agency any documentation that would confirm that he is not responsible for this debt.  He can mail it to Commonwealth Financial Systems [redacted]. Dickson City, PA [redacted], fax it to the Client Services Department {[redacted], or email it to [email protected].  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.