Commonwealth Financial Systems, Incorporated

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 11-6-2017 for date...

of service Mary 20, 2012.  On November 24, 2017 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 suit. However 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 agencies. She can reach our office by calling our toll free number, ###-###-####, Mr. Robert H[redacted], 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.

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]

DEAR [redacted]:THIS LETTER IS ACKNOWLEDGMENT THAT A COMPLAINT WAS RECEIVED FROM YOUR OFFICE ON BEHALF OF [redacted].  I HAVE REQUESTED AN ITEMIZED STATEMENT FROM OUR CLIENT, [redacted].THE STATEMENT WILL PROVIDE ORIGINAL CREDITOR INFORMATION, DATE OF SERVICE, AND BALANCE...

DUE.I WILL REQUEST THE STATEMENT TOMORROW AND SHOULD HAVE NEXT WEEK.  AS SOON AS WE RECEIVETHE STATEMENT IT WILL BE MAILED TO **. [redacted].  PLEASE FEEL FREE TO CONTACT MY OFFICE WITH ANY ADDITIONAL CONCERNS.ALSO IF THIS RESPONSE IS FORWARDED TO CONSUMER SHE SHOULD BE AWARE THAT THIS IS COMMUNICATIOFROM A DEBT COLLECTOR.  THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBATINED WILL BEUSED FOR THAT PURPOSE.THANK YOUSINCERELY,STEPHANIE D[redacted]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 [redacted]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

[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:
I have had no collections or calls made for this account so putting them on hold does not help me at all, I ask that it be removed from my credit report while it's being investigated.
Regards,
[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.  I will check my credit reports on a regular basis and should the postings not be deleted in a timely manner I will get back in touch with the Revdex.com.
Regards,
Bridget [redacted]

Dear [redacted], The account has been closed and returned to our client, [redacted], 12-15-2014.  Commonwealth sent an updateto the three major credit reporting agencies as a deletion, however, we have no control over how long it may take the Bureausto delete the trade...

line.    If the accounts are still appearing on Mr. Sies credit history he can file a dispute withthe credit reporting agency. Please feel free to contact my office with any additional concerns. This is communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for thatpurpose.Thank You.Stephanie D[redacted]Client Relations

Dear [redacted]:Our agency has provided [redacted] with validation of debt and also an itemized billing statement.  The account is noted as beingdisputed.  Documents to verify [redacted]'s claim can be faxed to our office at ###-###-####.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] - The account we located for this consumer was not fully verified (due to lack of DOB/SSN/address verification, which the consumer declined to provide.)  However, we did close it and return it to our client.  We will send a copy of this complaint, along with our response, to...

our client.  Additionally a deletion will be forwarded to the 3 major credit reporting agencies.  Thank you,Kathleen M[redacted]Legal/Complaince Admin

#[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].Commonwealth Financial Systems mailed [redacted] validation of debt on 2-16-2016.  On March 30, 2016 [redacted] spoke to our representative and advised that it was...

possible this debt is a result of identity theft.  An itemized billing statement was mailed to consumer 4-14-2016.  The account has been noted as disputed.[redacted] can reach our office at ###-###-#### to discuss further.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 willbe used for that purpose.

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 2016 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

[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:I did receive an email from the collections company on 5 May.  I am really pleased that you actually got them to respond by email as I have sent them numerous emails since February 2015 asking for proof of debt, without a single response up to now.  Thank you for this progress.However, all they emailed was a scan of the Statement Of Account at the Collections agency.  What [redacted] Healthcare has been asking for since February is a scan of the ACTUAL INVOICE from December 2012.  [redacted] says they have never received an invoice for this service and they never rejected any invoice from [redacted] for me.  [redacted] is concerned about the lack of internal controls and the possibility of fraudelent billing by Commonwealth Financial so [redacted] don't want to pay without an ACTUAL INVOICE.  [redacted] suspects that my name was mistakenly put on the invoice of a different patient and the invoice submitted to the insurance company of that other patient, and it is the other insurer that rejected the invoice, possibly, who knows.
[redacted] already paid thousands of dollars for my vist to [redacted] and say they paid every invoice they received in 2012.  They want the scan of the ACTUAL INVOICE with break down of services provided, showing my [redacted] ID which I gave to the hospital, with an invoice #, with remittance information, etc.  After months of requesting an invoice and not getting one, they are concerned that there was a billing mistake.There is no dispute that I went to the hospital that day.  [redacted] has paid all invoices received at the time and they are concerned that 2 years later a statement of account appears without any supporting invoice.  [redacted]'s request, and my request too, is to email me the ACTUAL INVOICE so it can be promptly paid just as in any normal process.       
Regards,
[redacted]

Dear [redacted],Please be advised that Commonwealth Financial Systems, Inc. takes ongoing consumer concerns like this very seriously.  Re. account # [redacted], I requested information from our I.T. department as to why putting this account in the correct status to remove it from credit bureau reporting (as was done) did NOT result in full deletion from reporting.  The reply I received was that our system always sends the deletion requests to the 3 major credit reporting agencies when an account is coded to do so, but once the deletion request is sent it is up to the credit bureaus to perform the correct actions to cease reporting.  I did confirm that there was no system issue on this end and that the proper actions were taken for this account to be removed from credit reporting.Beyond this, [redacted] took the time to contact the hospital and they informed her that she did not receive service at their facility on the date in her record.  For reason of this inconsistency I have closed the account and returned it to our client as a disputed debt and the focus of a regulatory complaint.  I have also sent them a copy of this complaint.  There will be no further credit reporting or involvement with the account on the part of Commonwealth Financial Systems, Inc.  Apologies to [redacted] that, although the correct actions were taken in account coding/requesting deletion, it took this amount of time to address her concerns fully. 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].  CommonwealthFinancial Systems did receive certified mail from [redacted] in December of last year and a validation letter was mailed tohim on 12-27-2014 to the address of...

[redacted] Shreveport, LA [redacted].  However I am going to close and returnthe account to our client, [redacted].  [redacted] should no longer hear from CFS or any of its representatives withregards to the account.Please feel free to contact me with any additional 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 that purpose.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].Commonwealth Financial Systems mailed [redacted] a validation letter on 5-12-2016 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]:
This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth
shows eight open accounts that are currently being reported to the CBR:
[redacted] $723.00
[redacted] $1271.00
[redacted] $71.00
[redacted]  $66.00
[redacted]...

$59.00
[redacted]  $119.00
[redacted] $1155.00
[redacted] $927.00
 Most of the accounts were originally placed with our agency in 2014 from our client, [redacted]
and recalled.  At the time of recall CFS sent a deletion update to the three major credit reporting agencies.  Our
client reassigned the accounts back to our agency in 2015.  I am going to send [redacted] validation letters.
  The accounts have been placed in a disputed status during the investigation period and colletion activty
will cease. 
Also if this repsonse 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 that purpose.
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 Ms. [redacted].Please be advised that our client, [redacted] Partners, has recalled the above referenced account from our agency.Commonwealth Financial Systems has closed and returned...

the account to [redacted] and a deletion update will beforwarded to the three major credit reporting agencies.  I will also mail Ms. [redacted] a closure letter.Ms. [redacted] can reach our office at ###-###-#### should she have any questions.Please feel free to contact my office if 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 willbe used for that purpose.

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Please ask [redacted] to send correspondence confirming that she filed a claim under indigent and I will forward it to our client, Cascade Capital LLC.  At this time...

the account has been placed in a disputed status and placed on hold.  She can either mail the paperwork to us at [redacted] Dickson City, PA [redacted], fax ###-###-####, or she can email it to directly to me, [redacted]@cfsi-arm.com.  Our toll free number is ###-###-#### if she has any questions.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.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]:
I have received confirmation from our client, [redacted], that media is not available on this account.  I have closed and returned the account to our client.  CFS will send an update to the three major credit reporting agencies as a deletion.
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 Relations