Commonwealth Financial Systems, Incorporated

Re: [redacted]Dear [redacted], The above referenced account has been closed and returned to our client, [redacted], per [redacted]'s request. We will be sending the deletion update to the bureaus. Sincerely,Michelle H[redacted]Legal/Compliance

[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]
 We sent [redacted] validation and an itemized billing statement.Thank youStephanie D[redacted]

Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Pleasebe advised that the account has been closed and returned to our client, [redacted] as part of a recall.  CFS sent an update to the three major credit...

reporting agencies as a deletion.  However, Ms. [redacted] shouldcontact [redacted] for additional information regarding the account.  They can be reached at ###-###-####.Please feel free to contact my office with any further questions or concerns.Also if this response is forwarded to Ms. [redacted] 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.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].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 agentprovided her name and identified our agency.  On May 3, 2016 CFS mailed a validation letter to [redacted]  Per therequest of [redacted] CFS will no longer contact her.  The account will be closed and returned to our client, [redacted]
[redacted], along with a copy of this complaint.  Please feel free to contact our office should you need further assistance.Thank You.Stephanie D[redacted]Client Relations

Dear [redacted]Please be advised that CFSI account # [redacted] was reviewed in conjunction with this consumer complaint.  Please note that a validation letter containing all information concerning the debt as per FDCPA guidelines was sent to Ms. Parrish on 2/5/17.  An itemized bill...

was ordered from our client and mailed out to the consumer on 6/15/17 in response to her certified letter requesting further validation (received in our office on 5/26/17.)  As these actions have not satisfied the consumer's concerns regarding this account, it has been closed and sent back to our client together with a copy of this complaint.  The close codes used will trigger a deletion request to the 3 major credit reporting agencies to remove the item from reporting.We hope this addresses all concerns regarding this account.Thank you,Kathleen M[redacted]Legal/Compliance Admin

RE #[redacted], #[redacted], #[redacted], #[redacted], #[redacted], and #[redacted]Dear [redacted]:The first three account numbers above were closed and returned to our client.  Commonwealth Financial Systems will send another request to the three major credit reporting agencies to have the accounts...

removed from [redacted]'s credit report.   Validation of debt letters will be mailed to [redacted] on the last three accounts.  As the accounts are being investigated Commonwealth will send a deletion request on these as well.Collection activity will also cease.  [redacted] can reach our office should he have any questions by calling our toll free number ###-###-####.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]
[redacted]The above listed accounts were reassigned to our agency on 12-7-2016.  There are three open accounts for a total of $1,885.00.Commonwealth Financial Systems mailed [redacted] validation of debt on 12-28-2016.  An itemized...

billing statement will be placedin the mail.  The accounts are noted as being in dispute.  [redacted] can reach our office by calling our toll free number [redacted]should she have any questions.Please do not hesitate to contact my office should you need further assistance.Thank You.Stephanie D[redacted]
[redacted]  [redacted]

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

How is it that the creditor can't find these accounts with my name and contact information? That's all they...

needed to report to the CRAs in the first place. The account number (same for both collection accounts) as it appears on my credit report is as follows:D[redacted] in the amount of $516D[redacted] in the amount of $53 Please forward my request to to the collection agency to substantiate these debts by forwarding copies of original signed documents and detailed billing statements to my contact information on file. Furthermore, I am requesting that these collection accounts be dropped from my credit report immediately.Thank you[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 [redacted] requires that you validate the bill for whom you're trying to collect. You have failed to do so while calling my house repeatedly, to the point where it is annoying. You only stated a name and until you validate said bill, either via Revdex.com email or regular mail, we do not have any further business with your company. Bill collection or otherwise. It is against the law to not validate. Thank you. And have a great day!
Regards,
[redacted]

[redacted] Please be advised that CFSI account [redacted] is now closed, in response to [redacted] assertion that it is not her debt and she never received service at the medical facility associated with the account.We hope this addresses the issue/s expressed in this complaint fully.Thank you,Kathleen M[redacted]

RE #[redacted] $58.00 and #[redacted] $690.00Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  Commonwealth Financial Systems has taken this complaint very seriously.  In review of the above listed accounts, our...

agency was assigned the accounts for collection November 7, 2017.There has been no contact from [redacted] pertaining to either debt.  Also there is no law that requires our agency to notify consumers prior to credit bureau reporting.  This company fully complied with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.  Please be advised that we will send [redacted] validation of debt to the address that is listed in this complaint.  This letter will provide the name of the consumer, name of our client, the amount of the debt, and all other disclosures as required by the FDCPA or applicable State law.  In addition we will send a deletion request to the three major credit reporting agencies as the accounts undergo investigation and collection activity will cease.  [redacted] can reach our office by calling our toll free number ###-###-####., Mr. Robert H[redacted], Collections Manager.  I hope this response is satisfactory to [redacted].  We would like to resolve this matter for her as quickly as possible.  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.

Dear [redacted],
An itemized statement was emailed to [redacted] earlier today.  [redacted] responded to my email thanking me for the information,
and he made an offer to settle the debt for $350.00 along with a credit report deletion.  I forwarded the account to our supervsior and
he has left a message for [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.
Thank You.
Sincerely,
Stephanie D[redacted]
Client Relations

Dear [redacted],
This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].  I have
received an itemized statement of account from our client, [redacted]  The statement has been placed
in the mail for [redacted].
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.
Thank You.
Stephanie D[redacted]
Client Relations

Dear [redacted],
I am not able to locate an account within our data base under the information that was provided in this complaint.  Is it possible
the account can be under a different name or under a different address?  It would be helpful if [redacted] can provide an...

account
number.  Also is she being contacted at another telephone number? 
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 received a letter from Commonwealth today 01/13/16 after request, stating they have closed the account and will notify the three credit agencies to delete the reported account. I am satisfied however if the credit agencies are not notified and the charge removed I will be contacting again. Thank you for your assistance in clearing this from my credit.
[redacted]

Dear [redacted]:If consumer will provide us with his insurance information we can forward it to our client for billing.Thank You.Stephanie D[redacted]

Ref:  [redacted]Dear [redacted]:This letter is acknowledgment that a complaint was received from your office on behalf of [redacted].In Julyof 2015 validation letters were mailed to [redacted].  This letter provides balance and original creditorinformation.  I...

have requested itemized statements from our client, [redacted].  Once receivedI will mail to [redacted] to the address in this complaint.  At the current time the accounts have been placedin a disupted status.  Also I referred the complaint to our compliance department and asked them toperform a telephone investigationof the calls that had taken place to [redacted].  There was one contact that lasted 81 seconds.  I confirmedthere was not a misrepresentation made by our agent, and have attached a copy of the call record.Please feel free to contact my office with any further concerns.Also if this response is forwared to [redacted] he should be made aware that this is communication froma debt collector.  This is an attempt to collect a debt and any other information obtained will be used for thatpurpose.Thank You.Sincerely,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 will be satisfactory to me once I receive the documents that they say they will be mailing me. 
Regards,
[redacted]