Master Tech Automotive

Re# [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] ***.Commonwealth Financial Systems spoke to [redacted] *** earlier this month [redacted] advised our office at thattime the account was paid prior and that she was going to email confirmation to our office To this date we havenot received any documentation confirming the above referenced account was settled Per [redacted] request Iam going to close the account and return it to our client, [redacted] She will no longer hear from CFS or anyof our representatives I will also notify our client of this complaint In addition CFS will send a deletion update tothe three major credit reporting agencies.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 usedfor that purpose.Sincerely,Stephanie D [redacted] Client Relations

[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 ***) 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 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 submittedIf the debt results from identity theft, a police report must be submittedIf insurance should have covered the expense, proof of coverage on the date of service must be submittedIf 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] ***

[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] $and # [redacted] $690.00Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] *** Commonwealth Financial Systems has taken this complaint very seriously In review of the above listed accounts, our agency was assigned the accounts for collection November 7, 2017.There has been no contact from [redacted] *** pertaining to either debt Also there is no law that requires our agency to notify consumers prior to credit bureau reporting This company fully complied with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act Please be advised that we will send [redacted] validation of debt to the address that is listed in this complaint This letter will provide the name of the consumer, name of our client, the amount of the debt, and all other disclosures as required by the FDCPA or applicable State law In addition we will send a deletion request to the three major credit reporting agencies as the accounts undergo investigation and collection activity will cease [redacted] can reach our office by calling our toll free number ###-###-####., MrRobert H***, Collections Manager I hope this response is satisfactory to [redacted] *** We would like to resolve this matter for her as quickly as possible 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

Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] *** Please beadvised Commonwealth Financial Systems has mailed [redacted] validation of debt on multiple accounts that are listed with our agency.In addition itemized bills will also be mailed on 12-20-for each account Commonwealth Financial Systems also sent a deletion request to the three major credit reporting agencies while the accounts are under investigation by [redacted] *** [redacted] can reach our office by calling ###-###-#### Correspondence can be mailed to Commonwealth Financial Systems, IncMain St Dickson City, PA 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

RE # [redacted] , # [redacted] , # [redacted] , and # [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] *** Commonwealth FinancialSystems will mail [redacted] validation of debt to the address that is listed in this complaint While the account is under investigationCommonwealth will notify the three major credit reporting agencies to delete the above listed accounts from [redacted] ***'s credit report.In addition collection activity will cease during this time [redacted] can send correspondence to our office at [redacted] ** Dickson City PA ***or fax it to ###-###-#### 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

Dear [redacted] ,I am not able to identify an account using the information that was provided in this complaint Can you please provide an account number?Also [redacted] can reach our office by calling our toll free number ###-###-####, MrRobert H***Thank YouSincerely,Stephanie D [redacted] Client Services

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

Commonwealth Financial Systems has once again placed an unsubstantiated collection on my credit reports in the amount of $This is the 6th time that this fraudulent account has appeared on my credit reports and the 4th time that Commonwealth Financial Systems has reported this informationEach time they change the account number reported to the credit bureausI have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claimIn all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claimThis fraudulent collection was reported in the past by other collection agencies as well [redacted] , [redacted] & [redacted] have also reported this collection in the pastIt took assistance from the Attorney General's office to get them removed from my reportsThe credit bureaus have also removed this collection placed by Commonwealth from my report multiple timesI have kept all correspondence and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple timesI have had to place a fraud alert on my credit reports because this continues to occurIt is horrifying to see that Commonwealth has well over complaints with the Consumer Financial Protection Bureau and hundreds with the Revdex.comI have filed new complaints with the Attorney General of Texas as well as the PA Attorney General & the Consumer Financial Protection BureauI am also filing a complaint with ACA International for code of conduct violationsI have perfect credit and my reputation has been severely damaged because of the abusive and deceptive tactics by Commonwealth Financial.Delete this unsubstantiated collection from my credit reports

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] & # [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] Please beadvised Commonwealth Financial Systems has closed and returned both of the above accounts to our client, [redacted] [redacted] .CFS will send a deletion request to the three major credit reporting agencies Also I will send a copy of this complaint along with myresponse to our client [redacted] should no longer hear from Commonwealth or any of its representatives in regards to the abovelisted debt.Please feel free to contact my office should you need further assistance.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

[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] 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 ***.This account was received new in our office on 6/7/ 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 major credit bureaus for a period of at least 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]

RE # [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] *** Theabove referenced account was reassigned to our agency by our client, [redacted] , December 6, 2016.At this time Commonwealth Financial Systems has mailed an itemized billing statement to [redacted] and a deletionupdate will be sent to the three major credit reporting agencies [redacted] can contact our office at ###-###-####and correspondence can be sent to Commonwealth Financial Systems [redacted] Dickson City, PA [redacted] Orfaxed to the Client Relations Department at ###-###-####.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

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 reportThe charges are from Way beyond legal limitsI also never received anything in in regards to this claimThank you for removing this account from all bureausI appreciate it very much Regards, *** ***

RE # [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] .Commonwealth Financial Systems mailed [redacted] a validation letter on 5-12-to the same addressthat is listed in this complaint Additionally Commonwealth sent an update to the three major credit reportingagencies to delete the tradeline while the account is being investigate [redacted] can reach our office at###-###-#### should she have any questions.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 beused 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 complaintPlease be advised we are unable to proceed to a resolution without further informationWe ask that [redacted] provide the last four of his social security number &/or his Date of BirthThank you,Michelle H [redacted] Legal/Compliance Admin

Dear [redacted] : This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] In review of our activity notes, please note the following: this debt was open for collections on 8/3/in relation to account #1860806, in the amount of $91.00; and 8/8/for account # [redacted] , in the amount of $There is no documentation of any contact with the consumer, nor any correspondence being receivedThe address and phone number we had on file were not currentValidation of debt letters have now been scheduled to be sent to [redacted] at the address provided in the complaintThese letters provide the consumer's name, the name of our client, the original client, date of service and all other disclosures as required by the Fair Debt Collection Practices Act or applicable State lawA deletion request has been sent to the major credit bureaus to temporarily remove the item from credit reporting and allow time for [redacted] to review the informationWe encourage [redacted] to contact us at ###-###-#### after receiving the information, as it will be assumed to be a valid debt after days from the date of the validation letter We hope this addresses all concerns Thank you, 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] Please be advised Commonwealth mailed [redacted] a debt validation letter and also an itemized billing statement While the account undergoes investigation we will notify the three major credit reporting agencies to delete this account from [redacted] 's credit report [redacted] can contact our office should you he have any questions, ###-###-#### This will place him directly with our collections manager, MrRobert H*** He should also forward our agency any documents that would verify that he is not responsible for this debt so that we can submit to our client Our mailing address is Commonwealth Financial Systems [redacted] *** Dickson City, PA ***, fax { [redacted] , or he can email [email protected] 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

[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]