CMRE Financial Services Inc

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. CRME [redacted] company has violated my rights. I have never entered into any business arrangements and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report. The law states that before you can collect any  information about me, you have to get my authorization to access my report for any reason. CRME company did not provide me a HIPPA release that released my medical information to them. So they are in VIOLATION of my HIPPA rights. CRME company needs to provide me proof that they have not violated any of my rights and proof any signed contract.
 
Regards,
[redacted]

Consumer has made multiple calls to our office advising of her dispute. Each time we have verified her demographics, all of which match. Consumer claims this is not ID theft but that balance is not hers. We have requested each time any evidence that she has to support her dispute so that we may...

investigate. Written dispute was received however no supporting documentation was included. Request for such documentation was requested in writing and still has not been received at this time. As a courtesy to the consumer, validation of  the debt has been sent to address which has been verified.

The consumers account was assigned to CMRE on
10/06/14 for a date of service of 10/06/14. The first notice was mailed to the consumer at the
same address shown on this complaint on 10/12/14 in compliance with FDCPA, no mail was
returned.  As part of our investigation
we contact the service...

provider who confirmed that
the balance assigned to CMRE is their balance after insurance payment. They also confirmed that
they received no patient payments. The balance due is  the
balance assigned as patient responsibility by the consumer's own insurance
company.

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.
I learned of the alleged debt only recently after reviewing my credit report in June 2015.  Upon learning of this account, I promptly filed a dispute with the credit bureau.  I was not in correspondence with CMRE and had no knowledge of any account with them. I requested they provide proof of any collection efforts made through the date the debt was reported to credit bureaus.  They were unable to do so. This request was made in my validation letter to CMRE dated 6/10/15.  I simply requested the original documents, that were used to verify the account as 'accurate' in response to my credit bureau dispute.  They have been unable to do so. A typed document simply stating the original creditor's name and how much I allegedly owe is not considered validation.
Regards,
[redacted]

The consumer's account was assigned to CMRE on
11/02/15. The first notice was mailed to the consumer on 11/05/15 in
compliance with FDCPA, no mail was returned. Although we are past
validation period we are mailing the consumer validation, should she have further
questions she may feel free to...

contact CMRE directly. We have updated her credit
profile to show the account as in dispute.

The account in question was assigned to CMRE on 01/15/14 for a date of service of 08/30/13. The information sent to CMRE was provided to our client by the patient at the time of service.  The patient did not provide a Junior/Senior designation.  It appears that the credit reporting...

agencies cross referenced the information provided by the consumer’s son giving his name without the “Junior” and his father’s address rather than his own address. CMRE has notified the credit reporting agencies that they attached the information to an incorrect consumer and has instructed them to delete the information from the consumer’s credit profile. The consumer is being sent a letter confirming that a wrong party deletion has been submitted. CMRE regrets any confusion caused by the patient providing his father’s address rather than his own.

The accounts in question were assigned to CMRE ON 02/26/14. The first letter was mailed on each account on 03/02/14. Our client has cancelled both accounts on 09/02/14. We have electronically notified both Experian and TransUnion credit reporting agencies to delete the entries from the consumer's...

credit profile.

CMRE mailed a statement for each account, sent to the consumer to the address shown on this complaint, no mail has been returned. It should be noted that the validation period is 30 days from the date our first notice was mailed to the consumer, that period expired over two (2) years ago. The statements were sent to the consumer on 05/04/16.

The consumer again states he does not believe he has been to the service provider. The service provider has signed documents that match the signature provided by the consumer on the letters sent. the consumer requested we cease contact. CMRE has complied with the consumer's request.

CMRE was able to assist the consumer once we received the requested documentation. CMRE not only sent the requested letter by regular mail but also sent it by secure email. The account was assigned to CMRE with the consumer's name shown as the responsible party. Once the consumer provided proof that the consumer was not responsible CMRE did everything possible to clear the consumer's name.

The accounts covered under the consumers financial assistance application have been closed and remove from his credit profile. The service provider has stated that any accounts outside of that time period are still outstanding, should the consumer believe he qualifies for financial assistance for the time frame beyond that period he should reapply for financial assistance.

The consumer's account was assigned to CMRE on
06/08/15 for a date of service of 06/09/14. The first notice
was mailed to the consumer on 06/14/15 in compliance with FDCPA, no
mail was returned. We received a letter from the consumer
on 12/15/15 disputing the validity of the debt and...

requesting
validation. No reason was given for the dispute.  CMRE is not in violation of FDCPA, which states:
" (3) unless
the consumer, within thirty days after receipt of the notice, disputes  the validity of the debt, or any portion
thereof, the debt will be assumed to be valid by the debt
collector;"
The consumer's letter was received well past the
validation period. CMRE did send the consumer a letter requesting information
to substantiate the basis of her dispute, which the
consumer never provided. She filed this complaint instead. CMRE
is prepared to investigate the consumer's dispute, if the
consumer provides sufficient information to substantiate the basis of her
dispute

CMRE Financial Services, Inc. acknowledges receipt of your inquiry. We have investigated your complaint and are pleased to shed some light into the situation. We have been in receipt of payments made to our office and as a courtesy have blocked the account from reporting to the credit bureaus....

However, we have not been able to establish a payment plan with you at this time. The previous notices sent to you are notices that we are required to send since the accounts are being handled by our agency. Currently we have updated your accounts to show that you have requested us to cease and desist all communications with you. If you have any questions or require additional information we may be contacted at [redacted] Monday through Friday 8:00 am to 5:30 pm PST.

The consumer's complaint is unfounded, our records indicate that the accounts have beenremoved from the credit profile. The consumer was sent a letter on each account confirmingthe removal. If the accounts remain on the consumers credit profile the consumer should contactthe credit reporting agencies directly and furnish them with a copy of the letter he was provided.

The consumer's complaint is that we did not provide the requested validation of his account. The account in question was assigned to our office on 04/07/17 with a first notice sent on 04/12/17 advising the consumer of his 30 day validation period. The consumer's request for validation was received on 08/07/17 and a response sent the same day. Since the request was received outside of the validation period, validation was not sent. As a courtesy to the consumer validation will be mailed to the address provided on the original request. If the consumer has any questions we can be reached at (800) 783-9118 Monday through Friday 8:00 amto 5:30 pm PST.

Here is the forms filled out.  Thanks.

A supervisor has contacted the consumer, validation was emailed directly to the consumer. CMRE does not tolerate unprofessional or impolite behavior towards anyone.  An investigation has been launched to determine what disciplinary action will be taken.

The consumer’s account was assigned to CMRE on 07/20/15 for a date of service of 09/11/14. The first notice was mailed to the consumer on 07/26/15 in compliance with FDCPA, no mail was returned. This complaint is the first we have heard from the consumer, they made no effort to contact CMRE...

directly. On 09/02/15 the service provider notified us of a payment they received and showing the remaining balance as patient responsibility. As part of our investigation we contacted the original service provider. They informed us that the balance due was patient responsibility because no payment was made by the plan for the service. Our client has elected, this one time only, to extend a discount of the remaining balance due.

We are sending a letter to the consumer on each
account giving detail as to each date of service, after received
should she have further questions she should contact CMRE directly.

After investigation of the account, I have located the “insurance” information provided by the consumer.  This information will be processed appropriately. I have placed a letter confirming “deletion” of the account from the credit reporting agencies; both Experian and...

TransUnion in the mail to the consumer today. The employees who previously handled this matter are in the process of being re-trained in proper procedure.