Master Tech Automotive

RE: [redacted] , [redacted] , [redacted] , [redacted] , [redacted] Dear [redacted] :This letter is acknowledgment that a compliant was received from your office on behalf of [redacted] ***.The above referenced accounts have been placed with our agency from our clients, [redacted] and [redacted] on 5-24-and 6-8- On 6-23-consumers mother called in and we were given permission from consumer to speak to her and then consumer stated accounts are over the statues of limitation and will not be paying on accounts At this time I have placed the accounts in a dispute status and will notify the three major credit reporting agencies to delete the tradeline from [redacted] ***'s credit However I would suggest that [redacted] provide proof that he is not liable for the debts so that I may forward the information to our clients.Please feel free 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 further information obtained will be used for that purpose

Originally account opened in 08/in the amount of [redacted]

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-and on 8-6-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] :On April 25, Ms [redacted] made a payment arrangement with Commonwealth Financial Systems to pay $per month It is noted that on May 25, she contacted our agency and requested to stop future payments A refund transaction was processedfor her most recent payment An additional $was refunded making all three payments now returned to Ms [redacted] 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

Ref: [redacted] Dear [redacted] ,We are in receipt of [redacted] 's rejection to our response of her initial complaintBy way of background, we credit report per client specifications after daysThe law does not require notice to be provided to the consumer prior to credit reprorting Please be advised Commonwealth Financial Systems, Incacted at all times in compliance with the Fair Debt Collection Practices Act (FDCPA) A validation of debt letter has been sent to consumer which provides the name of our client, the consumer, name of the original client, date of service, and all other disclosures as required by the FDCPA or applicable State lawThe account has been marked as disputed and a deletion request was sent to the major credit reporting agencies for the tradeline to stop credit reporting for a period of at least days from the date of the validation letter, to allow the consumer time to review the informationWe encourage [redacted] to contact us at ###-###-#### after researching this information, as it will be assumed to be a valid debt after days from the date of the validation letterWe hope this addresses all concernsThank you, Michelle H [redacted] , Legal/Complaince AdminThis 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, 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] :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

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 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] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] .In May of this year CFS sent validation letters to [redacted] We also received itemized statments fromour client, [redacted] which were also mailed to him on June 10, The itemized statementlisted the original creditor, [redacted] along with balance and date of service? Please feel free to contact my office with further questions or concerns.Also if this response is forwarded to [redacted] 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 the purpose.Thank You.Stephanie D [redacted] Client Relations

RE # [redacted] & # [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] *** Commonwealth Financial Systems has two active accounts, account numbers listed above, which total $1,025.00.Validation of debt was mailed to [redacted] *** on 10-21- During the investigation period our agency will cease collectionactivity and notify the three major credit reporting agencies to remove both tradelines from [redacted] ***'s credit history.In addition I will request an itemized billing statement from our client, [redacted] [redacted] cancontact our office by calling ###-###-#### Our mailing address is [redacted] Dickson City PA [redacted] and fax###-###-####.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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I have attached a police report I am a female not a male I have disputed this with the credit report and have and have reported this to the Attorney Generals Office

Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] ***.The telephone number listed in this complaint, ###-###-####, is no longer listed as an active number Ihave also notified our client of this complaint [redacted] should no longer receive calls from our company.On behalf of Commonwealth Financial Systems, I apologize for any inconvenience our calls has caused [redacted] ***.Please feel free to contact my office with further questions or concerns.Thank You.Sincerely,Stephanie D [redacted] Client Relations

RE # [redacted] & # [redacted] Dear [redacted] Please be advised that Commonwealth Financial Systems sent a deletion request to the three majorcredit reporting agencies on the above referenced accounts, however, Commonwealth makes no representationas to how long it may take the CRA's to remove the tradelines.Please do not hesitate to contact my office should you need 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 be used for that purpose

Re: [redacted] Dear [redacted] , As per Ms [redacted] ***'s request to cease and desist, we have closed this account and returned it to our clientPlease note that this action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the major credit reporting agenciesWe hope this addresses all concerns on the part of the consumerThank you,Michelle H [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] Validation of debtwas mailed to [redacted] in March of on both accounts However, the accounts were recalled from our agency by ourour client, [redacted] , in July of Both accounts are closed and deletion updates wereelectronically sent to the three major credit reporting agencies [redacted] can reach [redacted] at ###-###-#### option *.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 be used forthat purpose

***

[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-and also an itemized statement on 7-21- [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] Thank you.Sincerely,Stephanie D [redacted] [redacted]

[redacted] : Please be advised Commonwealth Financial Systems mailed [redacted] *** validation of debt letter June 22, at which time there was no response.Per [redacted] request to cease communication our agency will close and return the account to our client* [redacted] A deletion requestwill be sent to the three major credit reporting agenciesPlease do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D [redacted] Client Services

[redacted] This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] We received confirmationfrom our client, [redacted] , that the balance of $is currently owed by *** Proof of payment can be sent to ourmailing address, Commonwealth Financial Systems [redacted] ***, faxed to [redacted] or emailed to [redacted] Please reference it with account number [redacted] Also our agency will send a deletion request tothe three major credit reporting agencies as this account undergoes investigation and collection activity will ceaseAn itemized billing statement has beenplaced in the mail for *** Our toll free number is [redacted] Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D [redacted] 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.Client Relations

# [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] A copy of police report is needed to forward to our client Please mail it to [redacted] Dickson City, PA ***or it can be faxed to ###-###-#### The account has been placed in a disputed status at this time.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 Services