Master Tech Automotive

Ref: [redacted] Dear [redacted] :This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] ***.In Julyof 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 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

Re: [redacted] This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] Commonwealth Financial Systems takes each complaint seriously and has fully reviewed the above listed accounts in conjunction with the consumer complaint receivedWe would like to apologize to [redacted] , as the representative she spoke with was still in the training process at the time and had only just been placed on the collection floor to take/receive callsThis collector has since been terminated and will no longer be employed with our companyWe provide an extensive training process to our employees on the laws and regulations of debt collecting and we pride ourselves on being committed to excellence [redacted] states to have been under Medicaid coverage during the time services were renderedWe will need proof of coverage on those dates which she can submit by mail to [redacted] ** [redacted] or send it to our email address, [redacted] We have scheduled validation letters to be sent to [redacted] on the above referenced accounts which provide the name of our client, the original creditor information, amount of debt, date of service, and all other disclosures as required by the Fair Debt Collection Practices Act or applicable State law, to assist [redacted] in identifying the debts owedSubsequently, the accounts have been placed in dispute status to allow [redacted] time to review the information and investigate the debtsShould she have any questions, or need further assistance, she can contact our toll-free number, [redacted] and ask to speak with our Collections Manager, MrRobert H***, at ext [redacted] We apologize for the necessity of the consumer to file with the CFPB and assure [redacted] the matter has been addressedThank you, Michelle H [redacted] Legal/Compliance Admin

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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: validation request documents have already been mailed certified return receipt......this first signed documented request was received on 07/01/when it was discovered on my credit report ..........another letter was mailed certified return return receipt and signed on 07/29/2015....which has already been stated in my first complaint .......both requesting validation of the debt.IF THE CREDITOR HAS NOT VALIDATED THE DEBT THEY ARE NOT ALLOWED TO REPORT IT UNDER THE FAIR CREDIT REPORTING ACT......THIS IS A VIOLATION OF THE ACT Regards, [redacted]

Interesting phrase, "sufficient evidence" A bill by spmeone years after the fact is weak of any "evidence" A court, which is the next step if you dont back off, will see in about two seconds that no attempt has been made to mitigate any damages, the identification of the alleged patient is incorrect and my ability to respond has been severely prejudiced by the year delay Drop this now or waste more of my time and spend $in attorney fees You have not been diligent and you are entitled to nothing Complaint: [redacted] I am rejecting this response because: Regards, [redacted] ***

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, MrScott T [redacted] at ext *** Correspondence can be mailed to [redacted] ***Dickson City, PA *** 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

[redacted] - In response to the consumer's complaint regarding CFSI account # [redacted] , please be advised that we thoroughly reviewed the account in conjunction with the complaint.This account was received new in our office on October 31, 2016, and a validation letter was sent to the consumer's address listed in the complaint on 12/29/ Upon receiving his dispute via [redacted] the account was coded as a dispute and an Itemized Bill was requested from our client to send out to the consumer That correspondence (the Itemized Bill) has not been received in our office to date so it was requested again with urgency and will be sent out to the consumer as soon as it is received Once the consumer has a chance to review the itemized bill, he may send any further correspondence (proof of payment, proof that the information provided in the bill is not his, etc.) to us at: [redacted] ** to fax # [redacted] or email address [redacted] We will be able to close the account and return it to our client with the necessary information for dispute Please also note that the account was deleted from Bureau reporting as of 6/19/17.With respect to the consumer's concern for HIPAA privacy provisions, please be advised that Commonwealth Financial Systems, Incis in full compliance with all applicable law and is and covered under a Business Associate's Agreement with our client We hope that all consumer concerns have been addressed, and we will get the Itemized Bill out to him at the address provided as soon as it is received.Thank you,Kathleen M [redacted] Legal/Compliance Admin

RE # [redacted] Dear [redacted] :Commonwealth Financial Systems mailed [redacted] validation of debt 2-23-and an itemized billing statement will be mailed to him today Also our agency will notify the three major credit reporting agencies to remove the tradeline from his credit file as this account is being investigated Collection activity will also cease during this time [redacted] may reach our office by calling our toll free number [redacted] should he have any questions Correspondence can be mailed to Commonwealth at [redacted] *** [redacted] Dickson City, PA ***, faxed to [redacted] , or emailed to [email protected] do not hesitate to contact my office should 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 will be used for that purpose

[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 Regards, [redacted] ***

Dear [redacted] :This letter is acknowledgment that a complaint was received from your agency on behalf of [redacted] *** On June 5, [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

RE # [redacted] Dear [redacted] ,This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] *** Please be advised this account has beenclosed and returned to our client Commonwealth Financial Systems will send a deletion request to the three major credit reporting agencies.Please feel free 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 responseIf 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 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]

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

On January 2, I filed a complaint against Commonwealth Financial for their lack of compliance under the Texas Financial Code in regards to account number [redacted] They still have not provided any of the items required under the TFC but have reinserted the account onto my credit reportsUnder the TFC if all items are not sent the account must be deleted until they are provided.Desired Outcome: Deletion from all credit bureaus via E-Oscar with a confirmation of the audit number

Please be advised Commonwealth Financial Systems has closed and returned all accounts to our client.A deletion update will be sent to the three major credit reporting agencies [redacted] should no longerhear from Commonwealth or any of its representatives.Please do not hesitate to contact my office should you need further assistance.Thank YouSincerely,Stephanie D [redacted] Client Relations

Dear [redacted] :I will ask that a call be placed to *** [redacted] to make payment arrangement or she can reach our office at [redacted] ext *** This is the direct line to our floor manager, MrScott T*** Once payment is posted, providing the paymentis not returned by NSF or a credit card chargeback, we will agree to delete the trade line from [redacted] 's credit history.Please feel free to contact my office with additional questions.This is communication from a debt collector This is an attempt to collect a debt and any information obtained will be usedfor that purpose.Thank you.Sincerely,Stephanie D [redacted] Client Relations

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

[redacted] This letter is acknowledgment that a complaint was received from your office on behalf of [redacted] Please be advisedCommonwealth Financial Systems has mailed [redacted] an itemized billing statement The account is noted as disputed[redacted] can reach our office by calling out toll free number [redacted] Correspondence can be either mailed toour agency at [redacted] faxed to the Client Relations Department [redacted] Please feel free to contact my office should you need further assistance.Thank You.Sincerely,Stephanie D [redacted] a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Per our letter of representation sent from Attorney [redacted] please refer all communication to him We are waiting for action to be taken by 9/or we are filing a lawsuit Regards, [redacted] ***

RE # [redacted] Dear [redacted] :This letter is acknowledgment that Commonwealth Financial Systems received a complaint from your office on behalf of [redacted] .Commonwealth Financial Systems received the above referenced account for collections on October 3, We are a third-party debt collector and as such we do not have contracts directly with consumers We service accounts on behalf of our clientsIn response to the certified mail we received from [redacted] on December 1, 2017, we mailed a validation letter This letter provided the name of our client, the name of the consumer, the amount of the debt, and all other disclosures as required by the Fair Debt Collections Practices Act or applicable State law I have also ordered an itemized statement to send to consumer Additionally our agency will notify the three major credit reporting agencies to delete the tradeline from [redacted] 's credit report as this account is being investigated [redacted] can reach our office by calling our toll free number ###-###-####, MrRobert H***, Collections Manager should she have any questions or concerns I hope this response was helpful to [redacted] We would like to resolve this matter 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