Commonwealth Financial Systems, Incorporated

Re #[redacted], #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  Please be advised Commonwealth FinancialSystems has closed and returned the above referenced accounts to our...

client.  A deletion update will be sent to the three major credit reporting agencies.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

[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.  On the other hand, we JUST received a bill (the first bill we have ever received from them) yesterday.  It is entirely possible and even likely that they are lying to you in order to receive a satisfactory closure and then will attempt to illegally repost these false charges this to my credit.If they do, I plan on re-opening the complaint and contacting a lawyer.
Regards,
[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 as Answered]
 Complaint: [redacted]
I am rejecting this response because: Sending me a bill does not make that bill valid and we will have a legal suit on our hands if you dare to pursue this.  As I have indicated to Stephanie D[redacted], the only medical bills I have had in 2010 were related to an accident in which my wife and I were hit by a drunk driver and taken to [redacted] Hospital.  When I called Commonwealth Financial Systems (and oddly enough, they had blocked my phone number, requiring me to call from a different phone - funny, how was I supposed to dispute this with you or provide you with additional info if I can't call you??), they informed me that this was NOT for [redacted] Hospital, but rather for some made up agency.  All valid medical bills were sent to our attorney at [redacted] Law Office ###-###-####.  These two new bills suddenly appearing after SIX YEARS is one of the most obvious scams.What Commonwealth is attempting to do is to double bill me using a fake agency and fake random dollar amounts.  They previously pulled the same illegal scam on my wife and had added no less than eight charges of varying amounts.  I could send Commonwealth a bill for $8,000, but it doesn't make it valid and it does not obligate them to pay it.  I would save yourself the postage and not give me physical ammunition to take to court....that's just my educated opinion.Stephanie: should you ever contact me to collect on this obviously fake debt, or if you ever attempt to damage my credit with fake collections accounts again, you will find very quickly that I have both the money and the will to sue your bottom feeding little joke of a collection agency into oblivion.  I am currently working very closely with the CFPB, who is extremely interested in learning more about your activities, after sharing my wife's past experiences with you.
Regards,
[redacted]

Dear [redacted],This letter is acknowledgment that a complaint was received on behalf of [redacted].  Please be advised our client has requested the account be closed and returned.  CFS has closed the account and we will send an update to the three major credit reporting agencies...

as a deletion.  However we have no control over how long it may take the Bureaus to remove the trade line.Please feel free to reach out to me with any other questions.Thank You.Stephanie D[redacted]Client Relations

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]:It is not a violation to submit an account to the CRA's prior to validation.Thank You.Stephanie D[redacted]Client Relations

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office from [redacted].The call placed to the phone number provided in this complaint is not a telemarketing call, and is it for the protection of the consumer that Commonwealth Financial Systems confirms...

ID.  It verifies that we are contacting the correct party.  [redacted] can reach our office at ###-###-####.    Please feel free to contact my office with additional questions or concerns.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].   CommonwealthFinancial Systems will mail [redacted] validation of debt to the address listed in this complaint.  During this time...

collectionactivity will cease and a deletion request will be sent to the three major credit reporting agencies.  [redacted] can contact our officeat ###-###-#### and speak directly to our agency manager, Mr. Scott T[redacted] at ext [redacted].  Correspondence can be mailed to [redacted]Dickson City, PA [redacted] 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] Dear [redacted],This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems received confirmation from our client, [redacted], that this account was covered under charity care.  CFS has closed...

and returned the account and in addition will notify the three major credit reporting agencies to delete this account from [redacted]'s credit history.Please do not hesitate to contact my office should you need further assistance.Thank you.Sincerely,Laura L[redacted]Client RelationsThis is communication from a debt collector this is an attempt to collect a debt and information obtain will be used for that purpose.

Dear [redacted],Commonwealth is going to send a deletion update to the three major credit reporting agencies.  Howeverwe have no control over how long it may take the Bureaus to remove the trade lines.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 willbe used for that purpose.

RE #[redacted] & #[redacted]To Whom It May Concern:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please be advised thatboth of the above referenced accounts have been closed and returned to our client, [redacted]...

[redacted].  A deletion update was sent to the three major credit reporting agencies.  In addition Commonwealth will send a copy of this complaint along with my response to our client. 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],Please be advised that our office has been unsuccessful in locating an open account in this amount for the consumer's name and address provided.In order to fully address [redacted]'s concerns, we ask that she please respond with a CFSI account number OR fax a copy of the...

"generic bill" referenced in the complaint to us at: ###-###-####.  We will be happy to address all concerns as soon as this account can be located.  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 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, Mr. Robert H[redacted].  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 [redacted], 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.

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.

Dear [redacted]:On April 25, 2017 Ms. [redacted]  made a payment arrangement with Commonwealth Financial Systems to pay $20.00 per month.  It is noted that on May 25, 2017 she contacted our agency and requested to stop future payments.  A refund transaction was processedfor...

her most recent payment.  An additional $40.00 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.

Dear [redacted],
This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].
Please be advised that Commonweath mailed consumer a validation letter on August 7, 2014.  We have made attempts
to contact [redacted] by telephone but were not...

able to reach him.   [redacted] can reach our office at
###-###-#### to discuss the account. 
Please feel free to contact my office with additional concerns.
Also if this response is forwarded to 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[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]

[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 [redacted]) 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 30 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 submitted. If the debt results from identity theft, a police report must be submitted. If insurance should have covered the expense, proof of coverage on the date of service must be submitted. If 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]
[redacted]

Dear [redacted],
 
CFS is not able to obtain documentation regarding this debt so therefore we have to close and return the account to our client, [redacted].  CFS will send an update to the credit reporting agencies to delete our trade line.  However CFS cannot erase the debt.
The original creditor is [redacted].  Date of service is 1-29-2008 and the account number is #[redacted].
Thank You.
Sincerely,
Stephanie D[redacted]
Client Relations
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.

RE: #[redacted]Dear [redacted]:This letter is acknowledgment a complaint was received from your office on behalf of [redacted].  Per the requestof our client, [redacted], Commonwealth has closed and returned the account.  A deletion updatewill be sent to the three major credit reporting agencies.  In addition a letter will be mailed to [redacted] confirmingthe account has been closed and the tradeline will be deleted.Please do not hesitate to contact my office if you should 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 usedfor that purpose.