CMRE Financial Services Inc

The consumer appears to confuse the hospital bill
with the ER physicians bill. CMRE
represents the ER physicians group. CMRE did not
purchase the account, it was assigned
to CMRE by the service provider. Because the
consumer was triaged there was a physician's
charge that was due. The...

balance assigned to CMRE
was the amount due after the insurance
payment.

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.
This company has failed to...

prove that this account is mine. I want this removed unless they can prove that it belongs to me. If they can't prove that it belongs to me, they need to remove it.
Regards,
[redacted]

We have reached out to the consumer's insurance CHAMPVA to discuss the denials sent to the provider of service. At this time we have been able to find resolve and verify that payment was made to the provider and that CHAMPVA shows a $0.00 patient responsibility. Due to this new information we will be sending a request back to our client to verify receipt of payment to have the account updated. In the meantime we have sent a request to the credit bureaus, Transunion and Experian, to have the item removed from the consumer's credit. 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. If the consumer has any questions or needs additional information she can call [redacted] Monday through Friday 8:00 am to 4:30 pm PST.

The accounts in question have been submitted to both [redacted] and [redacted] for deletion. The consumer was given letters confirming that the deletion has been submitted to the credit reporting agencies.

We contacted the original service provider who has agreed to cancel the account. Request submitted to have removed from credit report.

The consumer's account was assigned to CMRE on
02/21/14 for a date of service of 06/25/13. The first notice was
mailed to the consumer on 02/26/2014 in compliance with FDCPA, no mail
was returned. The address the first notice was mailed to was
provided by the consumer at the  time...

of
service. The made payment on her account on 09/15/15. CMRE has correctly reported the account as paid to
both Experian and TransUnion.

The consumer’s account was assigned to CMRE on 06/01/15 for a date of service of 10/07/14. The first notice was mailed to the consumer on 06/04/15. The account was cancelled from CMRE on 10/15/15. We have submitted the account for deletion electronically via e-Oscar to both [redacted] and [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.
I would l like to see this information provided by the original creditor because I spoke with them and they have stated my name is listed no where as the responsible party.  I am listed no where in his files at all.  As I have stated many many times before, this was the fault of CMRE, however they will never admit it because they never do, that is why you have so many complaint and lawsuits.   I simply asked for a letter addressed to me by my CORRECT NAME at the CORRECT ADDRESS.   With everything that CMRE has put me through I do believe they also owe me a letter of apology.    I got this taken off my credit report as I filed a dispute.   It was not until I filed a complaint against them, did anyone from CMRE return a phone call to me.   Perhaps we should have the original creditor call and put in their opinion as to who is correct and incorrect as to my name being listed as responsible party.Regards,[redacted]

The consumer's complaint is that the account in our office should be billed to CHAMPVA and is not her responsibility. Also she is stating that our company did provide her notice that she has the ability to dispute the [redacted]t. We have reached out to the original provider of services and have confirmed...

that they did bill the consumer's insurance CHAMPVA twice. Both billings were denied as services may be covered by another payer per coordination of benefits. In order for this to be resolved the consumer will need to contact her insurance CHAMPVA, update her coordination of benefits, and request payment be processed. Attached are copies of statements we have sent to the consumer after the account was assigned to collections. We have updated the consumer's account to show that the balance is being disputed. If the consumer has any questions or needs any additional information we can be reached at (800) 783-9118 Monday through Friday 8:00 am to 5:30 pm PST.

our final reply is: Our client has canceled the account. Request submitted to have removed from credit report.

The accounts have been closed and submitted for removal from both Experian and TransUnion, CMRE hasno control over how long it will take the credit reporting agencies to update their records.

The consumer's account was assigned to CMRE in early 2016, the first notice was mailed to the consumer in compliance with FDCPA. The consumer was informed that his account would be updated to a paid collection account prior to his payment being made. CMRE is required by the Fair Credit...

Reporting Act (FCRA) to report correct information to the credit reporting agencies. CMRE has already reported the consumer's account as a paid account.

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 spoke with the State of California's Health Services [redacted] department and they stated that they never were billed by CMRE nor Emergency Phys Specialist. CMRE is not being truthful in their response.  
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. Please Cease and Desist mailing this persons debt bills to my address. Thank you.
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.
[First off I asked for debt validation for this ALLEGED debt back on 2014-04-16 03:21:38 for this account to no avail from CMRE(third part junk debt buyer. The FCRA gives a consumer up to 2 years after noticing/discovering a negative item on their credit reports to take action(legal action or not) ] As you can see their dates are wrong, in which I ask for debt validation way before 2015 to no avail, in which they failed to properly validate. The courts has stated, as well as the FTC (see letter below, which statements have been upheld by many judges). Also, there is no law that states that a consumer has a time frame to ask for debt validation from a third party junk debt buyer-please!!! When we ask CMRE still must respond in a timely fashion, proven in the courts.
Regards,
[redacted] P.S. I highly reject their response, in which I will take swift and immediate legal action against them with the Cfpb and jury of my peers if this account is not removed immediately for violating the FDCPA by not puting in the dispute notation on my reports when asked for validation(see requirement below in the FTC letter). Also, please see the attached debt validation request I sent almost 1 year and half. Also see FTC LETTER BELOW
December 23, 1997
 
[redacted]
Compliance Counsel
Commercial Financial Services, Inc.
2448 E. 81st Street, Suite 5500
Tulsa, OK 74137-4248
 
Dear Mr. [redacted]:
 
Mr. [redacted] has asked me to reply to your letter of October
28, 1997, concerning the circumstances under which a debt collector may report
a "charged-off debt" to a consumer reporting agency under the
enclosed Fair Debt Collection Practices Act. In that letter, you pose four
questions, which I set out below with our answers.
 
I. "Is it
permissible under the FDCPA for a debt collector to report charged-off debts to
a consumer reporting agency during the term of the 30-day validation period
detailed in Section 1692g?" Yes. As stated in the Commission's Staff
Commentary on the FDCPA (copy enclosed), a debt collector may accurately report
a debt to a consumer reporting agency within the thirty day validation period
(p. 50103). We do not regard the action of reporting a debt to a consumer
reporting agency as inconsistent with the consumer's dispute or verification
rights under § 1692g.
 
II. "Is it
permissible under the FDCPA for a debt collector to report, or continue to
report, a consumer's charged-off debt to a consumer reporting agency after the
debt collector has received, but not responded to, a consumer's written dispute
during the 30-day validation period detailed in § 1692g?" As you know,
Section 1692g(b) requires the debt collector to cease collection of the debt at
issue if a written dispute is received within the 30-day validation period
until verification is obtained. Because we believe that reporting a charged-off
debt to a consumer reporting agency, particularly at this stage of the
collection process, constitutes "collection activity" on the part of
the collector, our answer to your question is No. Although the FDCPA is unclear
on this point, we believe the reality is that debt collectors use the reporting
mechanism as a tool to persuade consumers to pay, just like dunning letters and
telephone calls. Of course, if a dispute is received after a debt has been
reported to a consumer reporting agency, the debt collector is obligated by
Section 1692e(Cool to inform the consumer reporting agency of the dispute.
 
III. "Is it
permissible under the FDCPA to cease collection of a debt rather than respond
to a written dispute from a consumer received during the 30-day validation
period?" Yes. There is nothing in the FDCPA that requires a debt
collector to continue collecting a debt after a written dispute is received.
Further, there is nothing in the FDCPA that requires a response to a written
dispute if the debt collector chooses to abandon its collection effort with
respect to the debt at issue. See Smith v. Transworld Systems, Inc., 953 F.2d
1025, 1032 (6th Cir. 1992).
 
IV. "Would the
following action by a debt collector constitute continued collection activity
under § 1692g(b): reporting a charged-off consumer debt to a consumer reporting
agency as disputed in accordance with § 1692e(Cool, when the debt collector
became aware of the dispute when the consumer sent a written dispute to the
debt collector during the 30-day validation period, and no verification of the
debt has been provided by the debt collector?" Yes. As stated in our
answer to Question II, we view reporting to a consumer reporting agency as a
collection activity prohibited by § 1692g(b) after a written dispute is
received and no verification has been provided. Again, however, a debt
collector must report a dispute received after a debt has been reported under §
1692e(Cool.
 
I hope this is responsive to your request.
 
Sincerely,
 
[redacted]. [redacted]
 
Attorney
 
Enclosure

CMRE Financial Services, Inc. acknowledges receipt of your inquiry. However, due to privacy regulations, the consumer's personal information cannot be discussed through this portal without prior authorization. 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 question. We look forward to speaking with you.

Notice's were mailed to the consumer on 11/23/15
informing her the accounts were assigned to CMRE, as required by FDCPA. The
first we heard from the consumer was on 02/05/16 she stated she was
represented by an attorney and would have her attorney contact CMRE. The next
we heard from the...

consumer was this complaint. I have already submitted
request to both Experian and TransUnion to have removed from her credit report.

The consumer stated in her complaint that she provided insurance information prior to service. The services were rendered to the consumer’s minor children. The consumer indicated to our client that she would “fax” the insurance card to our client; a fax number was provided to the consumer. No...

Medi-cal information was ever received by our client. Because of the untimely request, our client would need an MC180 form along with correct insurance information to bill at this late date. Validations of the debts were mailed to the consumer on 09/25/15. We have updated the accounts to dispute status.

The consumer’s account was assigned to CMRE on 06/08/09 for a date of service of 01/03/09. The first notice was mailed to the consumer on 06/11/09 as required by FDCPA; no mail was returned. The consumer paid the original creditor who notified CMRE of her payment on 11/23/09. The consumer could not...

have paid CMRE twice as they never paid us any monies. When our client notified CMRE of the payment we updated the consumer’s credit profile with both [redacted] and [redacted] to show the account as paid in full.

The consumer's complaint is that he does not feel he is responsible for this account because he was taken to the medical facility by the Sheriff's department. The consumer's account was assigned to CMRE in June 2015 for a date of service in February 2014. The first notice was mailed to the consumer...

at the address he still resides at, in compliance with FDCPA, no mail was returned. The consumer acknowledges the services  were in fact rendered to him. The consumer claims no knowledge of this account, but still resides at the address he provided at the  time of service.