Master Tech Automotive

RE # [redacted] $1698.00Dear [redacted] ,This letter is confirmation that a complaint was received from your office on behalf of [redacted] *** Commonwealth Financial Systems has closed and returned the above referenced account to our client A deletion request will also be sent to the three major credit reporting agencies Please feel free to contact my office should you need further assistance.Thank you.Sincerely,Stephanie D [redacted] 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 accept reply to the Revdex.com, and wish to add that I will file a complaint further with the States Attorney's General's Office concerning this matter against Commonwealth Financial Systems if ever this were to happen againIn addition, I again wish to thank the Revdex.com for allowing me to address my concerns regarding this matterThank you 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]

Dear [redacted] : This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] In order to bill [redacted] 's insurance carrier I will need the following information: Name of insurance carrer Address Phone number Member ID # Fax Number Also I have placed a request to our compliance department to search phone records for the month of May [redacted] can email this information to [redacted] @necredit,com or she can contact our office at ###-###-#### 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 [redacted] Client Relations

RE # [redacted] Dear [redacted] :Commonwealth Financial Systems sent a deletion update to the three major credit reporting agencies May 27, Our agency sent another electronic deletion request through e-Oscar [redacted] should file a dispute with the credit reporting agency Also Commonwealth will mail [redacted] an itemized billing statement per his request to the address that is listed in this complaint He can reach our office by calling our toll free telephone number ###-###-####.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] , # [redacted] , # [redacted] , and # [redacted] , Dear [redacted] ***:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] Account # [redacted] was closed and returned to our client in January of A letter was mailed to [redacted] in February advising her that the account was closed and returned to our client, [redacted] , andthat a deletion update was sent to the three major credit reporting agencies The other three accounts have openbalances with our agency Validation was mailed to [redacted] in January of and in addition itemized billing statementswere mailed to her in February of The accounts have been placed in a disputed status [redacted] can reachour office at ###-###-#### This is the direct extension for our floor manager, MrScott T*** If [redacted] has documentation to verify she is not responsible for the debt she can also fax it to our office at ###-###-####.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 used for that purpose.Sincerely,Stephanie D [redacted] Client Services

RE # [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] .Per [redacted] 's request Commonwealth Financial Systems has closed and returned the account to ourclient, [redacted] [redacted] 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 [redacted] 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 [redacted] ,Please be advised that the account referenced in this complaint, CFSI account # [redacted] , was closed on August 10, 2017, in response to a CFPB complaint from [redacted] on this same account We requested at that time that it be deleted from reporting by the major credit bureaus Having that request fulfilled on the bureau's end can take a little bit of time, but we assured [redacted] that our end had been completed as of the last complaint received Commonwealth Financial Systems, Inchas not been able at any point to provide the requested signed contract between [redacted] and ourselves We are a third-party debt collector, and as such we do not have contracts directly with consumers We service accounts on behalf of our clients, who purchase debts from an original creditor or source Often in the case of medical debt, there is also no contract with the original creditor; imagining a scenario where one is attended to by various physicians during a hospital stay, there may be or more doctors in attendance who all bill separately, and the patient does not sign a contract with any of them We send validation letters and itemized bills to consumers in order to provide them with the information necessary to investigate the accounts in their name that we are servicing All information that we provide is in accordance with FDCPA guidelines, as is our overall process If the consumer recognizes the debt and makes payment on it, it will be deleted from credit reporting upon payment/settlement of the account If the consumer disputes the account and provides all available documentation relating to the reason for dispute, it will be closed as a valid dispute and credit reporting will cease When no documentation is provided, that account could conceivably continue to be reported to the bureaus In the case of this account, we did send all available information to the consumer and did not receive any documentation other than [redacted] 's continued assertion that the account was not hisIn response to *** [redacted] 's escalating complaints, we closed the account in question and will no longer service it It is my sincere hope that this information addresses all concerns in relation to this account, closed and returned to our client on August 10, 2017.Thank you,Kathleen M [redacted] Legal/Compliance Admin

Dear [redacted] ***:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] .Please be advised the account in the amount of $was recalled by our client and CFS did send a deletion update to the three major credit reporting agencies I have requested that another deletion update to be sent.If the account is still remaining open on [redacted] 's credit history I would recommend that she file a dispute with the credit reporting agencies The account however in the amount of $still does appear to be open and I have sent validation to [redacted] .If this response is forwarded to [redacted] she should be aware that this is communication from a debt collector This isan attempt to collect a debt and any information obtained will be used for that purpose.Thank You.SincerelyStephanie D [redacted] Client Relations?

Re: [redacted] & [redacted] Dear ***-***:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] Commonwealth Financial Systemshas taken this complaint very seriously and forwarded it to our Executive Compliance Department for review The calls were retrieved and therewere no call violations found Commonwealth would like to thank [redacted] for satisfying both accounts Our agency will send a deletion request to the three major credit reporting agencies Please do not hesitate to contact my office for further assistance.Thank You.Sincerely,Stephanie D [redacted] Client Services

Dear [redacted] , Please be advised that Commonwealth Financial Systems, Inccould only locate one open account for this consumer, CFSI account # [redacted] , in the amount of $(not $480.00.) There is nothing in our database record for this account that shows that it was paid at any point either to us directly or to our client Therefore, we are requesting that the consumer please send proof of any prior payment (payment receipt) to us at: Commonwealth Financial Systems, IncMain Street, Dickson City, PA OR to our email address at: [email protected] We can close the account and return it to our client, also deleting it from credit bureau reporting, with proof of payment Please note that a verbal payment agreement is not the same thing as proof of prior payment, and would not result in removal from bureau reporting.We hope this addresses the consumer's concern.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 [redacted] .Please be advised that Commonwealth has closed and returned the above referenced account to our client, [redacted] A deletion update will be sent to the three major credit reporting agencies.Please feel free to contact my office if you should have any 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 used for that purpose.Thank You.Sincerely,Stephanie D [redacted] Client Relations

RE: # [redacted] , # [redacted] , # [redacted] , # [redacted] , # [redacted] , and # [redacted] Dear Kadi-Ann:This letter is acknowledgment that a complaint was received from your agency on behalf of Ms [redacted] ***.Commonwealth Financial Systems and [redacted] and Collections are the same company Commonwealthpurchased [redacted] and Collections All of the above accounts have been closed Deletion updates were sentto the three major credit reporting agencies The credit report that is attached to this complaint shows a reporting dateof May of The deletion updates were sent in August of If a recently pulled credit history still shows a disputedaccount Ms [redacted] should file a dispute with the credit reporting agency as this is the most efficient way to have the account removedPlease 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 have several accounts in our data base under the name of [redacted] that do not match the address providedin this complaint Can consumer please provide account numbers and or balances This should help locate the accounts.If consumer has a copy of his credit report he can get the information from that.Thank You.Sincerely,Stephanie D [redacted] Client Relations

Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] *** The debt that [redacted] *** is referring to, originally owed to [redacted] , was assigned to our office for collections on 11-6-for date of service Mary 20, On November 24, a letter of validation was mailed to her I would like to address [redacted] ***'s claim that the debt is beyond statute of limitations This law pertains to the maximum time allowed for taking legal action Commonwealth Financial Systems has no intention of filing any kind of judgment or law suitHowever due to [redacted] ***'s request to cease all calls, I have closed and returned the debt to our client, [redacted] A copy of this complaint will be forwarded to them as well Additionally CFS will send a deletion request to the three major credit reporting agenciesShe can reach our office by calling our toll free number, ###-###-####, MrRobert H***, Collections Manager, should she have any questions or concerns My hope is that this matter is resolved for [redacted] and she finds my response sufficient.Please do not hesitate to contact my office should you need further assistance.Thank You.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

Dear [redacted] :# [redacted] is the most recent account that was assigned to our agency from our client, [redacted] .This account has been closed and returned to [redacted] Commonwealth Financial Systems will notify the three major credit reporting agencies to delete this 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

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] ***

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 [redacted]

Re: [redacted] and [redacted] Dear [redacted] ***,This letter is an acknowledgment that a complaint was received from your office on behalf of [redacted] .Commonwealth Financial Systems has closed these accounts at our clients request and deletion updates were sent to the three major credit agencies on May 7, If these accounts are still being reported as open balances I would suggest consumer file a dispute with CRA's.Please do not hesitate to contact my office should you need further assistance.Thank you.Sincerely,Laura L***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 Kadi-Ann, In response to this consumer complaint, our office has reviewed CFSI accounts and These accounts were received new in our office on May 16, 2017, and we do not show any actual contact with the consumer, MrWashington, until the date of this complaint We show no record of any connected calls either placed to or received from MrWashington's number on either account That said, in full compliance with the FDCPA and FCRA, validation letters were sent out for both accounts upon contact from the consumer These letters provide for each account the name of the original creditor, the name of our client for whom we are servicing the account, the dollar amount of the debt associated with the account, our information, and all other information and disclosures as required under the FDCPA.The accounts have been removed from credit reporting by the major credit reporting bureaus for a period of no less than days, pending the consumer's response to the validation letters that were mailed out today (August 9, 2017.) Should [redacted] have reason to dispute either or both of these accounts, all information and supporting documentation pertaining to dispute may be sent to us either by fax to: [redacted] OR to our email address, [redacted] We hope that this response addresses [redacted] request to have these items removed from credit reporting until they can be fully reviewed by him.Thank you,Kathleen M [redacted] ***

I would also like to request this account not be transferred to any other agency 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] ***