Master Tech Automotive, Inc.

Re: *** *** *** Dear ***, This letter is acknowledgment that a complaint from your office was received on behalf of Ms*** ***Please be advised the above listed accounts have been recalled by our client as of 1/2/They will be closed in our office and returned to
client as disputed accountsIn relation to other accounts Ms*** has with our agency, a validation letter was already mailed on one account and is scheduled to be mailed on another The validation letter provides the name of our client, original creditor information, the amount of the debt, and all other disclosures as required by the Fair Debt Collection Practices Act or applicable State law for verificationIn addition, an itemized billing statement was also provided on one of the accounts for Ms*** to review and investigate the debtAs for Ms***’s request for a copy of a contract, Commonwealth Financial Systems, Incis a third-party debt collector, and as such we do not have contracts directly with consumers. We service accounts on behalf of our clientsUpon thorough review of the accounts, Commonwealth Financial Systems, Incacted, in all instances, in compliance with Federal and State lawMs*** can reach our office by calling our toll-free number, 1-800-848-2170, and speak with our Collections Manager, MrRobert H***, at ext ***Please do not hesitate to contact my office should you need further assistance Thank you, Michelle H*** Legal/Compliance Admin

Re # *** & #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of Ms*** ***-***.Commonwealth Financial Systems received mail from Ms. ***-*** requesting validation on both accounts. Commonwealth
mailed validation of debt to her and in addition is sending deletion updates to the three major creditreporting agencies. The accounts have been placed on hold and collection activity will cease during the investigationperiod. There is no indication that Commonwealth has agreed that Ms***-*** does not owe the debt. Bothaccounts have been noted as disputed and she can contact our office at ###-###-#### to discuss the accounts. Ifshe has documentation to confirm the debt is not her responsibility she can mail it to *** *** *** Dickson City PAor fax it to ###-###-####.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 at attempt to collect a debt and any information obtained will be usedfor that purpose

Dear ***, Please be advised that our office reviewed the CFSI accounts associated with this complaint (***, ***, ***, ***, ***.) In response to the consumer's request to cease and desist all contact and collection activity on these accounts we have closed
all five and returned them to our client. The action codes used to close the accounts will also trigger deletion requests to the major credit bureaus to stop credit reporting on these accounts.We hope this addresses the consumer's concerns in full.Thank you,Kathleen M***Legal/Compliance Admin

Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. Pleasebe advised Commonwealth Financial Systems sent a deletion update to the three major credit reporting agencies.I will mail *** *** a deletion letter along
with a copy of the form that was electronically sent to the CRA's.Please do not hesitate to contact my office should you need 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 usedfor that purpose

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 office on behalf of *** ***.Commonwealth Financial Systems has received confirmation from our client, *** *** ***,to close the account as settled in full. CFS will notify the
three major credit reporting agencies to deletethe tradeline from our consumer's credit history.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 for that purpose

Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. Commonwealth Financial Systems mailed validation letters to *** *** in March of this year. CFSdid receivesettlement payment on one of the accounts. I
have requested an update be sent to the three major credit reporting agencies to delete this trade line, however, I have no control over how long it may take the Bureaus to remove the tradeline. Also I have notified our client, *** *** ***, of this complaint and requested itemized statements on the account accounts, As soon as I receive them I will mail them to ***. Please feel free to contact my office with additional questions.If this response is forwarded to the consumer he 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***Client Relations

RE #***Dear ***:Please be advised Commonwealth Financial Systems mailed *** *** both validation of debt letter and an itemized billing statement.Our agency will send a deletion update to the three major credit reporting agencies, however, *** should provide our
agency with proofthat they are not responsible for this debt. Our mailing address is *** *** *** *** *** ** ***, *** *** ***, and ouremail address is ***. Please do not hesitate to contact my office should you need 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 sent by your office on behalf of *** ***.This account was placed with our agency on January 9, 2015. On January 12, CFS sent Ms***a validation letter. This letter provides the original creditor
name, account number, and balance.On January 30, we received mail from Ms*** requesting additional information pertaining to the debt.An itemized statement was mailed to her on 2-6-2015. It was addressed to *** *** *** Missouri City TX 77489and it was not returned for bad address. If Ms*** would like a copy I can provide one. Please feel free to contact my office with any additonal concerns.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.Thank You.Sincerely,Stephanie D***Client Relations

RE: *** & #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of *** ***.Commonwealth Financial Systems has one account active with our agency in the amount of $534.00. Theaccount was listed with our agency on
7-15-2015. Commonwealth provided *** *** with validation ofdebt and also an itemized billing statement in September of 2015. The last contact noted with *** *** was in October of 2015which she advised our representative that she was in contact with the original creditor and the insurance company.The claim was never submitted and they were working together to resolve. On 2-9-a second account was assignedto our office from our client, *** *** ***. The amount of this debt is $561.00. The original creditor is the same however dates of service are different. They are two different accounts. Validation was mailed to *** *** on 2-16-2016.#*** is currently in a disputed status. *** *** can reach our office at ###-###-#### to discuss. Our fax number is ###-###-####. Please do not hesitate to contact my office should you have additional questions or concerns.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.Sincerely,Stephanie D***Client Servicessame however the dates of service are different. They are two separate accounts. Validation for this debt was mailed to*** *** 2-16-

Dear ***:
This letter is acknowledgment that a complaint was received from your office on behalf of *** ***.
The account number that *** *** lists in this complaint, #***, was closed and returned to our client,
*** *** ***. CFS sent a deletion update to
the three major credit reporting agencies in March of
this year. I have requested that another deletion be sent to the Bureaus, and I will forward a copy of that request
to *** ***.
Please feel free to contact my office with any additional questions or concerns. 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
Sincerely,
Stephanie D***
Client Relations

Dear ***, Please forward the attachment to consumer. It is confirmation that a deletion update was sent to the three major credit reporting agencies, however, we have no control over how long it may take the CRA's to delete the trade lines.Thank You.Stephanie D***Client Relation

Dear ***,This letter is acknowledgment that a complaint was received from your office on behalf of *** ***. I receivedconfirmation from our client, *** *** ***, to close this account as a billing error. The account hasbeen closed and I am going to mail ***
*** a deletion letter. CFS will send an update to the three majorcredit reporting agencies to delete the trade line from *** ***'s credit history. We have no controlover how long it may take the Bureaus to remove the trade line. Please feel free to contact my office with any additional questions.Also if this response is forwarded to *** *** 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***Client Relations

RE #*** and #***Dear ***:This letter is acknowledgment that a complaint was received from your agency on behalf of *** ***. Commonwealth Financial Systems has closed and returned both accounts to our client, *** *** ***. A deletion request will
also be sent to the three major credit reporting agencies. *** *** should no longer hear from Commonwealth or any of its representatives.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 beused for that purpose

Dear ***,Can you please provide account numbers? I am not able to locate an active account under *** ***.Is it possible the accounts can be under a different last name or a different address? I tried by the telephonenumber *** *** provided also but I cannot locate
an account.Thank You.Stephanie D***Client Relations

RE #*** $836.00Dear ***,This letter is acknowledgment that a complaint was received from your office on behalf of *** *** ***. Please be advised our agency received the above referenced account for collections on 11-6-2017. We are collecting on behalf of *** ***
*** *** *** for service date 7-8-2013. On 12-11-2017 we received payment in the amount of $Commonwealth is going to send a deletion request to the three major credit reporting agencies and will consider this debt settled in full. If this payment has to be removed due to a credit card chargeback the balance will become due and owing unless *** *** can provide proof that he is not responsible for this debt.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D***Client Services

Dear ***:Commonwealth Financial Systems has removed ###-###-####. *** *** should no longer hear from our agency.CFS apologizes for any inconvenience our phone calls have caused her.Please do not hesitate to contact my office should you need further assistance.Thank You.Stephanie
D***Client Relations

I am rejecting this response for the simple fact is that I did not receive the statement that they state they sent out The representative I spoke with stated he could not provide me the details in regards to where the debt came from I advised him that before I do anything I must research this with my insurance company The rep specifically told me "good luck with that" in a smart ads manor Why would I agree to resolve something that I had no notice of until my credit score was affected that makes no sense If they sent out a statement in February why haven't I received another statement in march And I find it very ironic that I did not receive documents from where the debt came from until I filed a complaint So all of a sudden they can provide me that but couldn't in February when I asked over the phone This is b's and needed to investigate potential fraud before I agreed to pay anything I still dispute for the other fact that my insurance company shows no hospital stay in Plano nor anything matching the price they are trying to collect
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

RE #*** & #***Dear ***:This letter is acknowledgment that a complaint was received from your office on behalf of ** ***.Commonwealth Financial Systems has provided both validation of debt letter and itemized billing statement for bothaccounts. Our agency has closed and
returned the accounts to our client, *** *** ***. A copy of thiscomplaint will also be provided to ***. In addition Commonwealth will send a deletion update to the three majorcredit reporting agencies.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 for that purpose

RE #***Dear ***:Commonwealth Financial Systems will mail *** *** validation of debt letter. A deletion request will be sent to the three major credit reporting agencies while the account is being investigated and collection activity will cease. *** ***
can reach our office should he have any questions at ###-###-####. Correspondence can be mailed to 2** *** *** Dickson City, PA ***, faxed to the Client Services Department {***, or emailed to [email protected]. 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