Commonwealth Financial Systems, Incorporated

Dear [redacted],
This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  At this time the account has been placed in a disputed status and I have forwarded this complaint to our client, [redacted] and requested an...

itemized statement.  If we do not receive a statement within 30 days I will close and return the account.
Please feel free to contact my office with any additional questions.
If this response is forwarded to the 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.
Thank You.
Stephanie D[redacted]
Client Relations

Re: [redacted]Dear [redacted], As per Ms. [redacted]'s request to cease and desist, we have closed this account and returned it 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 reporting agencies. We hope this addresses all concerns on the part of the consumer. Thank you,Michelle H[redacted]Legal/Compliance Admin

[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 for the account to be removed. However, I am still awaiting validation for the 22.00.
Regards,
[redacted]

Dear [redacted]:We received notification that [redacted] is being represented by an attorney.  Communicaton will cease with[redacted].Thank YouStephanie D[redacted]Client Relations

Dear [redacted]:Commonwealth Financial Systems is going to close and return this account to our client, [redacted].Our agency will send a notice to the three major credit reporting agencies to remove the account from [redacted]'s credit history.   However,CFS makes no representation as to the time it may take the CRA's to remove the tradeline.Please feel free to contact our office should you need further assistance.Thank You.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: no attempt has been made to contact me at all but yet they didn't have any problem reporting this on my credit. I have filed severl complaints and will continue to do so. This isn't my debt it's my ex-wife and it states that in the divorce decree which was sent to [redacted] in 2010. If they had contacted me they would know this. Again this information needs to be removed from all of my credit files ASAP or I will take legal action!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, UPON CONFIRMATION letter & updated collection account deletion off of my credit reports.Regards,
[redacted]

[redacted]  [redacted]
[redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
[redacted]
[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. 
Regards,
[redacted]

Agency is horrible, they are full of liars, rude, and love to harass people. By law if I have the right to request not to be contacted by phone meaning DNC. They have called from several different numbers, called more than 9 times daily, have used foul language. Commonwealth financial replied to message stating they have contacted credit beaureas to remove from credit report and requested I send in report number. I mailed in what they were asking for and they did not keep their end of contacting credit beaureas to remove from account. They only wrote that message to close out compliant, not to mention they LIED ON THE MESSAGE STATING THEY PREVIOUSLY SENT DETAILED BILL. After I have told the collection agency several months ago not to be contacting by phone guess what happens, I started getting emails and today I got another call with a rude CSR. The girl that called me today stated they would not remove from account on a recorded line but I have the message that I was told otherwise. I look on my credit report it's still on my [redacted] report, I had to dispute with ** AND ** with copy of the message and they credit beaureas final removed. They are unorganized it's always a different person calling to do follow ups and do they don't have have their facts straight. It's very annoying and frustratiing and at this point it's called HARRASMENT. I'm reading a lot of negative things about this company, I will try get everyone together to speak with my attorney and put together a suit.PRIOR REQUESTED NOT TO CONTACTED BY PHONE ONLY US POSTAL MAIL, I WANT NO FURTHER CONTACT FROM COMPANY DO NOT CALL MY PHONE AGAIN!!!!! REMOVE THE FRAUDULENT REPORTING.

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  It isthe policy of Commonwealth Financial Systems to verify the last 4 digits of the consumer's SSN.  This is doneto verify that we are speaking to the correct party. ...

It is actually put in place to protect the consumer.  Ihave placed the account in a Cease & Desist status.  [redacted] will no longer hear from CFS  pertaining to this matter.I have also referred the account to our supervisor to perform a call investigation.Please feel free to contact my office with additional questions regarding this matter.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

Dear [redacted]:This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted].  On June 5, 2017 [redacted]advised our representative that the above listed account was paid.  It is requested that [redacted] provide our office with proof of...

paymentso that we can forward it to our client, [redacted].  We will also send [redacted] an itemized billing statement.  At this timethe account has been noted as being in dispute.  [redacted] can send correspondence to our office Commonwealth Financial Systems[redacted], fax to the Client Services Department[redacted] or email it to [redacted]m.  Collection activity will cease while the account is being investigated.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.

[redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. 
[redacted]
[redacted]

RE #[redacted] $681.00Dear [redacted]This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems will mail [redacted] validation of debt.  A deletion update will also be sent to the three major credit reporting...

agencies as this account is being investigated.Collection activity will cease.  [redacted] can reach our office by calling our toll free number ###-###-####.  This extension will be place him directly with our collection manager, Mr. Robert H[redacted].  In addition [redacted] should forward our agency any documentation that would confirm that he is not responsible for this debt.  He can mail it to Commonwealth Financial Systems [redacted]. Dickson City, PA [redacted], fax it to the Client Services Department {[redacted], or email it to [email protected].  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.

[redacted]  [redacted]
[redacted]This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted]  This accountwas assigned to our office by our client, [redacted] on January 11, 2017.  Commonwealth Financial...

Systemsmailed [redacted] a validation of debt letter on February 2, 2017. Our agency will also mail her an itemized billing statement today.Additionally we will send a deletion request to the three major credit reporting agencies as this account is being investigated.  Collectionactivity will also cease.  [redacted] can reach our office at [redacted] to further discuss.  Correspondence can be mailed to CommonwealthFinancial Systems [redacted]  Please do not hesitate to contact my office for further assistance.Thank You.Sincerely,Stephanie D[redacted]
[redacted]
[redacted]  [redacted]

[redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of Mr. [redacted].  Commonwealth Financial Systemsis collecting on behalf of [redacted]  We received the above referenced account for collections on...

12-25-2015.  A validation of debt   letter was mailed to Mr. [redacted] in March of 2016.  In addition I have requested an itemized billing statement from our client.  As this accountis being investigated, CFS will send a deletion request to the three major credit reporting agencies.  Mr. [redacted] can reach our office by calling ourtoll free telephone number, [redacted].  Correspondence can be mailed to our agency at [redacted], faxed to[redacted] or emailed to [redacted].  Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie DalykasClient 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]

RE #[redacted]Dear [redacted]:A settlement arrangement was made in the amount of $564.50 with [redacted] in May of this year.  This account is now settled in full.Can you please provide documentation that will confirm that this account has been paid prior to being placed for...

collections so that I can forward to our client, [redacted].  We will also accept documentation that will confirm that [redacted] is a veteran and not responsible for this debt.Please do not hesitate to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D[redacted]Client Services

RE #[redacted]Dear [redacted]:Commonwealth Financial Systems sent a deletion request electronically to [redacted], and [redacted] on 4-19-2017.  We have no control over how long it may take the CRA's to remove the tradeline.Thank You.Sincerely,Stephanie D[redacted]Client Relations\

DEAR [redacted],WE RECEIVED CONFIRMATION FROM OUR CLIENT, [redacted], THAT THIS ACCOUNT WASPAID PRIOR TO BEING PLACED WITH OUR AGENCY.  I HAVE CLOSED THE ACCOUNT AND CFS WILL SENDAN UPDATE TO THE THREE MAJOR CREDIT REPORTING AGENCIES AS A DELETION.  HOWEVER WE HAVE NOCONTROL...

OVER HOW LONG IT MAY TAKE THE BUREAUS TO REMOVE THE TRADE LINE.THANK YOU.THIS IS COMMUNICATION FROM A DEBT COLLECTOR.  THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANYINFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.SINCERELY,STEPHANIE D[redacted]CLIENT RELATIONS