Commonwealth Financial Systems, Incorporated

RE #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Mr. [redacted].Commonwealth Financial Systems will mail Mr. [redacted] validation of debt.  In addition a deletion update willbe forwarded electronically to the three major...

credit reporting agencies.  Collection activity will cease duringthe investigation period. Mr. [redacted] can contact our office at ###-###-#### if he would like to discuss theaccount.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]: The account has been closed and returned to our client, [redacted] and a deletion request will be sent to the three majorcredit reporting agencies.  However CFS makes no representation as to how long it may take the CRA's to remove the tradeline.Thank You.Sincerely,Stephanie D[redacted]Client Services

Dear [redacted]:The person we were trying to reach shares the same last name as [redacted].  I am not aware how they are relatedor if they are.  However the account is closed and the calls will cease as requested.   On behalf of CommonwealthFinancial Systems I apologize for any inconvenience our calls may have caused [redacted].  Thank you.Sincerely,Stephanie D[redacted]Client Relations

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.

RE #[redacted]Dear [redacted]:Please be advised Commonwealth Financial Systems mailed [redacted] 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, [redacted] should provide our...

agency with proofthat they are not responsible for this debt.  Our mailing address is [redacted], and ouremail address is [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 obtained will be used for that purpose.

[redacted] Please be advised that as of July 28, 2017, this account was closed and returned to our client. Commonwealth Financial Systems, Inc. will make no further attempts to collect on this account and it will be deleted from credit bureau reporting by the 3 major credit bureaus.Prior to closing the account, all documentation available to this office had been mailed to the consumer.Thank you,Kathleen M[redacted]

Dear [redacted]:
This letter is acknowledglment that a complaint was received from your office on behalf of [redacted].
This account was assigned to our agency by our client, [redacted] from the original credtior,
[redacted].  However due to [redacted]...

request to discontinue the bill I have placed the account
in a decease and desist status.  [redacted] should no longer hear from CFS pertaining to this debt.
Please feel free to contact by office with any additional 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

[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]

Dear [redacted],Re. CFSI account # [redacted], an itemized bill was requested from our client in answer to this consumer's request for further information concerning the debt, and it will be mailed out to the address provided in this complaint.  However, our client is unable to provide...

the requested contract between [redacted] and the medical provider, [redacted].  As is often the case during an ER visit, the patient does not sign contracts with all medical service providers/attending physicians.   The itemized bill will be sent to [redacted] for his records, however please note that his account with Commonwealth Financial Services, Inc. has been closed as of this date, July 18, 2017, and returned to our client. Please note that this action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the 3 major credit bureaus.We hope these actions fully address all concerns expressed in this complaint.  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].  The above referenced account is listed with our agency under a different last name.  Prior to releasing personalbusiness information our agents...

will ask to verify two forms of ID.  This is done to protect the consumer. Our agent provided her name and identified the name of our company.  On May 3, 2016 CFS mailed a letter validating debt to[redacted]  Per the request of [redacted] CFS will no longer contact her.  The account will be closed and returnedto our client, [redacted], along with a copy of this complaint.Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Relations

[redacted]
[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...

6-13-2016 and also an itemized statement on 7-21-2016.  [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]
[redacted]Thank you.Sincerely,Stephanie D[redacted]
[redacted]
[redacted]  [redacted]
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
The info was supplied to CFSI multiple times. Acct# [redacted], [redacted], $491, paid 10/17/14.
Regards,
[redacted]

[redacted] In response to [redacted] complaint that our company had called the number he provided [redacted] please be advised that our I.T. department checked into this and found no calls to that number at any time.If [redacted] can provide the number that was contacting him we are more...

than happy to look into this further.  Additionally, if there is any number that [redacted] may forward to, OR if this is a business number and perhaps there are additional business lines that this number rolls to, [redacted] is requested to provide that information.  He may send this information to: [redacted]Thank you,Kathleen M[redacted]Legal/Compliance Admin

Dear [redacted], Please be advised that our office reviewed the CFSI accounts associated with this complaint ([redacted], and [redacted].)  In response to the consumer's request to cease and desist all contact and collection activity on these accounts we have closed all three and...

returned them to our client.  The action codes used to close the accounts will also trigger deletion requests to the 3 major credit bureaus to stop credit reporting on these accounts.We hope this addresses the consumer's concerns in full.Thank you,Kathleen M[redacted]Legal/Compliance Admin

To whom it may concern re. CFSI account # [redacted]: Please be advised that this account was reviewed fully by our office in conjunction with the consumer complaint received.  In response to Ms. [redacted] request for no further collection activity or contact from Commonwealth Financial Systems,...

Inc., we have closed this account and returned it to our client indicating no further contact to the telephone number/s and address for this consumer.  Please note that this action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the 3 major credit bureaus.  We hope this addresses all concerns on the part of the consumer.  Thank you, Kathleen M[redacted], Legal/Compliance Admin

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems has closed and returned both of the above referenced accounts to our client due to previous disputes.A deletion update will be sent to the three major credit reporting agencies.  Also be advised that there is a...

pending application in place forrenewal of our license in Florida.  Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Relations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: the date listed on my credit report is 2016 and NOT 2011 as they have falsely stated.
Regards,
[redacted]

RE #[redacted], #[redacted], and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems mailed [redacted] both validation of debt letters and itemized billing...

statements.  The above referenced accounts were assigned to our office for collections from our client, [redacted].  We are collecting on behalf of [redacted]  #[redacted] in the amount of $295.00 was listed with our office March 30, 2017.  On April 7, 2017 a validation of debt letter was mailed to [redacted], and on August 24, 2017 we sent her the itemized statement in response to a dispute that was filed through the credit reporting agencies.  #[redacted] $302 and #[redacted] $1526 were both listed with our agency June 28, 2017.  Validation of debt letters were mailed July 6, 2017.  We mailed [redacted] the itemized statement on #[redacted] August 30, 2017 and most recently sent the itemized statement on #[redacted].  [redacted] sent us a fax in August disputing the debt.   At this time the accounts are listed as being disputed.  [redacted] can reach our office by calling our toll free number ###-###-####.  This will place her directly with our collections manager, [redacted].  Any documentation that she has in her possession that would confirm that she is not  responsible for this debt should be forwarded to our office so that we can send it to our client for research.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client ServicesThis 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].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

Dear [redacted],Please be advised that CFSI account # [redacted] was closed and returned to our client in response to two regulatory complaints from this consumer received on 6/13/17; one to the Revdex.com, and one to the CFPB.  The account associated with a $226.00 debt is CFSI account #...

[redacted].Please be advised that this account was also reviewed fully by our office in conjunction with the consumer complaint received.  In response to the consumer’s request for no further contact from Commonwealth Financial Systems, Inc., we have also closed this account and returned it to our client indicating no further contact to the telephone number/s and address for this consumer.Please note that this action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the 3 major credit bureaus.  We hope this addresses all concerns on the part of the consumer.Thank you, Kathleen M[redacted], Legal/Compliance Admin