CMRE Financial Services Inc

The account in question was assigned to CMRE ON 12/13/12 for a date of service of 06/05/12. The account was assigned to CMRE with the consumer's name as the responsible party for this account. The first notice was mailed to the consumer on 12/25/12 in compliance with [redacted], to the address shown on...

this complaint. No mail was returned. On 01/04/13 we received a telephone call from the consumer, at that time she stated she was the minor child’s Aunt, that her sister, the patients mother passed away in April of 2012, two (2) months prior to the date of service. She notified our employee that she was the executor of her sister’s estate. she also stated that the minor was covered by [redacted] insurance. It was explained to her that our client did bill the insurance company but the balance was applied to the insured’s deductible.  Our representative requested the consumer provide us with proof that she is the executor of the estate. To date no proof has been received. The next we heard from the consumer was on April 7, 2015 the consumer called CMRE and asked why this was on her credit that she was not responsible for her niece’s bills, she used profanity with the representative that spoke to her, She was transferred to a supervisor, who was on another call. On 04/08/15 we received a written dispute on the account. A manager reviewed the account, and although the consumer previously stated she was responsible for the debt as the executor of her sister’s estate, in the spirit of fairness, CMRE submitted this matter for deletion to both [redacted] and [redacted].  CMRE does not allow our employees to treat all people with courtesy, the employees in question are being retrained by a supervisor.

The consumer's complaint is that she never received an invoice from the service provider. As part of our investigation the service provider's records indicate that statements were sent to the consumer on 05/11/15, 06/08/15, and 07/06/15. The consumer then provided insurance information to the...

service provider. Unfortunately the insurance company denied the claim, "Patient not eligible at time of service". The service provider then sent the consumer statements on 10/26/15,  11/23/15 and a final statement on 12/21/16. I have requested validation of the debt be sent to the consumer.

The consumer's account was assigned to CMRE in January 2016. the first notice was mailed to the consumer in January 2016 in compliance with FDCPA, no mail was returned. CMRE has submitted request to have account removed from consumer's credit. I have again submitted request to have removed from...

consumer's credit. CMRE has no control over how long it takes the credit reporting agencies to remove the item.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.
The response from the business is not a resolution, only an indication that they will investigate my claim.  This should have been done when I originally contacted them about the problem.  The problem is not resolved until the business refunds the money that I am due.
Regards,
[redacted]

The consumer has two accounts assigned to CMRE for their minor child. As part of our investigation we contacted our client, each of them have confirmed that they did bill the consumer’s stated Medi-cal insurance and each has confirmed that they received a denial from Medi-cal stating that the...

patient was not covered for the date of service. In order for our client to re-bill Medi-cal at this late date, the consumer must provide an MC180 form that they can obtain from their social worker.

The consumer was sent a refund of the overpayment amount on 08/20/15.

The consumers complaint is that he is being sent collection
letters for what he believes is an inaccurate claim. As part of our
investigation we contacted the service provider. The investigation has shown
that the signatures on the consumer's documents sent to CMRE are a match to the
signatures provided to our client at the time of service.  The account has been coded as cease and
desist as requested by the consumer in this complaint.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
Today is Thursday 5/11/2016 and I haven't received any kind of mail you said you have sent me.

The consumer has not previously requested validation of this debt. I have placed the validation in the mail to the consumer today. CMRE has not violated the Fair Credit Reporting Act, CMRE did not credit report the account. CMRE did not violate HIPPA; we have not disclosed any protected health...

information. CMRE is not in violation of the FDCPA, which states:
“a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector;”
We have never received any correspondence from the consumer. The consumer was in fact provided a service by our client which he has now paid.

The consumer's complaint is that this is an "improper or unauthorized charge" The consumer's account was assigned to CMRE in January 2016. The first notice was mailed to the consumer in compliance with FDCPA, to the address the consumer has listed in this complaint; no mail was...

returned. A second letter was mailed to the consumer on 02/28/16 informing  the consumer that the account may be credit reported if not resolved. Again no mail was returned. The consumer has never contacted CMRE directly. The charge is a valid charge as the consumer voluntarily requested treatment by the service provider. Although the validation period has past, I have placed validation of the debt in the mail to the consumer today.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform...

this action and, if it does, will consider this complaint resolved. My husband called and told me that a refund check was in today's mail, 8/25/15. The refund did take too long but I am glad that I did receive my money.
Regards,
[redacted]

The consumer’s account was assigned to CMRE on 02/24/12 for a date of service of 10/30/11. The first notice was mailed to the consumer on 03/04/12 in compliance with FDCPA, no mail was returned.  The address the mail was sent to was provided by the consumer at the time of service. CMRE is not...

in violation of FDCPA, which states, that validation is to be sent to the consumer if requested in writing with-in 30 days of the receipt of the first notice. That notice was mailed to the consumer on 03/04/12; the consumer did not request validation until 2015, well past the validation period as described in FDCPA. As a courtesy to the consumer I have mailed validation today. Both Experian and TransUnion have been notified to update the consumer’s credit profile to show the account In dispute.

The consumers account was assigned to CMRE in January 2016, the first notice was mailed to the consumer in January 2016 in compliance with FDCPA, no mail was returned. In the spirit of fairness we have requested the account be removed from the consumer's credit profile.

The first notice was mailed to the consumer on
07/20/10 in compliance with FDCPA, no mail was returned. On 08/20/10 a second letter was
mailed to the consumer notifying her that the account remained unpaid and we may credit report
the account; again no mail was returned. The account was...

originally credit reported on
01/21/11 to both [redacted] and [redacted], we  updated the
credit report on 11/21/15 as the account remains unpaid. We have notified the credit reporting agencies to update the
consumer's account to a disputed status. I have placed a letter in the mail to the consumer to
provide the consumer with account information

The consumer had three (3) accounts assigned to [redacted]. Validation request was  received from the consumer on08/04/15. Validation was mailed to the consumer on 08/07/2015. The accounts have since then been canceled andhave been submitted for deletion with both [redacted] and [redacted] does...

not report to [redacted].

CMRE Financial Services, Inc. acknowledges receipt of your inquiry. The bill you are referring to is for a visit to [redacted]. A detailed listing of the charges has been requested and will be mailed to the address provided in this complaint. At this time we have made the determination that there has been no error in the credit reporting of this account. The consumer may contact our office at [redacted] Monday through Friday 8:00 am to 5:30 pm PST to obtain any additional details regarding the matter in question. We look forward to speaking with you.

FDCPA is clear, we are only obligated to validate
the debt with 30 days of the first notice being sent. As a courtesy to the
consumer we have mailed validation to him. The consumer's insurance
company denied the claim because the consumer was not covered at the time of
service. The consumer promised to send an explanation of benefits that the claims
shows he was covered but has failed to do so. The account has been updated
with both Experian and TransUnion to disputed status.

We have reviewed the consumer's complaint and have listed to all calls that the consumer placed to our office. On the first call the consumer made to us on 11/01/16, the representative did advise the consumer that the account was sent to be credit reported on 10/30/16. He also informed the consumer...

that the account will be updated as paid in full to the credit bureaus once paid. There were additional multiple calls made to us from the consumer which resulted in being transferred to voicemail. An Assistant Manager reviewed the account and confirmed the aforementioned and noted that the account will not be removed as it was sent to the credit bureaus prior to the payment being made. Upon additional management review, as a courtesy, we have requested that the account be removed from the consumer's credit. The account would not have been appearing on the consumer's credit at the time the payment was made as the file was just sent to the credit bureaus. (Please note that there may be a delay in the time that it takes for the bureaus to accomplish the deletion. CMRE Financial Services, Inc. has no control over this time frame.) We have sent a letter confirming this to the address provided in this complaint. If the consumer needs any additional information we can be reached at (800) 783-9118 Monday through Friday 8:00 am to 5:30 pm PST.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. However sending a consumer a bill like this out of nowhere is shameful, especially after I paid my account in full as promised. I never want to hear from this company ever again. 
Regards,
[redacted]

Revdex.com:
I have...

reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]