CMRE Financial Services Inc

Although CMRE has no record of the consumer's letter. We have instructed both Experian and TransUnion to delete the entries from his credit profile, due to the age of the accounts.

CMRE did receive a copy of the debtor's police report which is specific only to credit card fraud. CMRE has submitted the accounts for deletion to both [redacted] and [redacted] and a letter was mailed to the consumer regarding the deletion on 06/05/15.

The consumer's complaint is invalid she misquotes FDCPA, which states: "(3) a statement that 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...

account was assigned to CMRE in November of 2010. The first notice was mailed to the consumer on 12/05/2010 in compliance with FDCPA, no mail was returned. The validation for the consumer's account is long past. CMRE is not in violation of FDCPA as the consumer did not dispute within the guidelines specified by FDCPA. In an effort to resolve this matter, CMRE has placed validation of the debt in the mail to the consumer at the address shown in this complaint.

The account was assigned to CMRE on 02/13/15 for a date of service of 06/02/14. The first notice was mailed to the consumer on 02/16/15, as required by FDCPA. On 02/24/15 we received a partial payment from the consumer or his wife. As part of our investigation we contacted our client, who...

acknowledged that they did receive e-mails from the consumer and stated that it was explained to the consumer that they are a non-contracted provider  and the balance is patient responsibility. If the consumer would like he can provide us with a copy of the explanation of benefits he received from his insurance provider and we will be  happy to investigate further. Please note we received cease and desist instructions from the consumer, because of which we cannot contact the consumer directly, we have also noted the account is in dispute. The consumer can fax his explanation of benefits to: [redacted].

The consumer's account has been placed on hold and is under review pending additional details from the consumer. After receiving the complaint an Assistant Manager contacted the consumer to advise of what additional information we are needing. The consumer was advised that she may get multiple bills...

from different providers for the same date of service. Because of this, we have asked the consumer to contact the company she made payment to and verify the bill that she paid to them, and to obtain proof of payment if possible. Once this information is provided to us we will then reach out to our client to verify payment. The consumer has been provided with a contact number and extension for the Assistant Manager she spoke to in the event she is needing any additional information.

The consumer's account was assigned to CMRE in December 2015. The first notice was mailed to the consumer at the address provided by the consumer to the service provider at the time of service, no mail was returned. In the spirit of fairness, CMRE has submitted a request to have the item removed...

from the consumer's credit report.

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.
[No validation provided or received. Nor has respondent provided anything other than lip-service which is what you get on calling their toll free number.]
Regards,
[redacted]

The consumer’s account was assigned to CMRE on 06/29/12; her date of service was 03/05/12. Our first letter was mailed to the consumer on 07/05/12 in compliance with FDCPA. CMRE received the consumer’s letter by certified mail on 10/06/14 a full 2 years after our notification that her account was assigned to collections and well past the 30 day validation period. As a courtesy to the consumer CMRE did mail validation to the consumer on 10/24/14 well within the 30 day validation period she is stating as part of Texas collection law. The letter was mailed to the address shown in this complaint as was the original letter sent. CMRE has also updated her credit profile to show the account in dispute. CMRE is not in violation of any collection laws. Should the consumer wish to discuss this matter further she can feel free to call our toll free number (800) [redacted] ext. [redacted] and speak to Mrs. [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]

The consumer had five (5) accounts assigned to
CMRE. The consumer received a first notice on each account in
compliance with FDCPA, no mail was returned. As part of our investigation we
contacted the original service provider who confirmed the balance's are accurate as reported.
The service...

provider billed the consumer's insurance company, however the
insurance company issued payment directly to the consumer so the debt remains
unpaid. The consumer has never requested validation from CMRE and we are now well past the
validation period as described in FDCPA.   We have updated the consumer's credit profile
to show  the accounts in a disputed
status.

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]

The consumer had several
accounts assigned to CMRE. The letter was sent to her in error, as soon as we
discovered the
error it was corrected.
CMRE...

shows all the consumer's accounts as paid in full. The account were not
credit reported.
CMRE regrets any inconvenience
to the consumer.

We have reviewed the consumer's complaint and the account in question. Due to internal policies we have decided to have the consumer's account closed. If the consumer is needing any additional information we may 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.
Regards,
[redacted]

The consumer's complaint is that we are in violation of his HIPAA rights as we are not authorized to have obtained his PHI. CMRE Financial Services, Inc. has a Business Associate Agreement with the Covered Entity which authorizes us to obtain the consumer's necessary PHI. There is no...

violation of HIPAA as no PHI has been exposed to any unauthorized third parties. If the consumer needs any additional information, we can be reached at (800) 783-9118 Monday through Friday 7:00 am to 6:00 pm PST.

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.
Please see attached the claim details provided by Aetna. Bill was received by Aetna on 09/20/2014 and as it states a payment was made to provider on 10/15/2014. And it shows a total responsibility for $65.98.
Regards,
[redacted]

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.
CMRE Financial Services claims they have had this account since 2010, yet I have never received anything in the mail from them. I have not even received the items claimed to be sent on 4/21/2016 with the so-called verification of debt. I have lived at this address for 10+ years and have not once received anything in writing from this company. I believe CMRE has either reported an old debt to the CRAs or has parked an invalid debt on my credit report. I did not find out about the appearance of this debt until I applied for a new loan within the past 60 days. Because the FCRA requires debt buyers to notify me when they report negative information to a CRA, their actions have violated the FCRA. CMRE claims to have owned this account since 2010, yet they just started reporting it to the credit bureaus in November of 2015. Suspicious right? Even if the account they claimed is legitimate, which it isn't, the statute of limitations has been reached in Washington State so this accused debt is time-barred anyways, and will also fall off my credit report in 2/2017. As per Washington state law, the collector must provide a statement including the original amount of the debt and a schedule of additional charges (such as late fees, interest, and attorneys’ fees) that were added. The only thing listed on the file they attached to this case is the original amount of the debt, so they are AGAIN breaking Washington State Law. They are reporting to the credit agency a debt of $365 but not showing an itemized schedule of additional charges. I have already disputed the validity of this accused debt to all the CRA’s and one of them have already removed it off my credit report after an investigation. CMRE has clearly failed to comply with its obligations regarding fair credit practices in the FCRA and Washington State Law, so I again demand that CMRE Financial Services remove me from that account, and report to all three credit bureaus to delete this account from my credit reports. I also require that this company send me in writing on their company letter head explaining this is not my debt, it was their mistake, and that it has been deleted. If CMRE Financial Services does not comply with my desired resolution, I will illicit an attorney to sue for violations of the FCRA, and expect an award for actual damages, punitive damages, and attorney fees and costs. 
Regards,
[redacted]

The consumer had four accounts assigned to CMRE. The first notice was mailed to the consumer on each account in compliance with FDCPA, no mail was returned. Each first notice was mailed to the address the consumer continues to reside at. FDCPA states: " (3) a statement that 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 did not request validation until March 2016, well beyond the validation period. A letter was sent on each account as the consumer requested showing who the service provider was, the date of service and  the amount due.  The service provider does not show receipt of any insurance information .

Revdex.com:
The bill was sent to collection by Mission community  Hospital, if there is no balance due with the Mission community Hospital then there is no collection. I have contacted the Mission hospital billing department and several time they contacted the collection agency, I don't understand where is the bill come from? when there is no bill with the hospital?
 
Thanks for removing my phone from the list,
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]

The consumer's account was assigned to CMRE on 04/30/13 for a date of service of 01/04/13. The first letter was mailed to the consumer on 05/07/13. The consumer sent an e-mail to CMRE on 09/27/14 stating that he was approved for charity. As part of our investigation we contacted the original...

creditor. They have no knowledge of charity approval. The request the consumer provide us with a copy of the letter he would have received showing that charity had been approved for this date of service. Please fax us a copy of the letter to (714) 982-5257, attn: Mrs. [redacted]