CMRE Financial Services Inc

To whom this may concern with respect,
I have had a mark on my credit report from 10/28/I have recently sent a debt validation 05/15/with out a response backI believe this debt is from 2009/when I had medicare for my daughterI was covered and any bills should have been covered I made a complaint previous to today and I did not receive any document on this alleged debt, the only thing that was put on my credit report was conumer disputes debt, this debt meets fcra requirementsPlease I ask you to delete this off my credit report, because I have never received any type of information validating this request after multiple trys

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I am satisfied with the cease and desist response, but want to again make clear that I have never been to this service provider, nor have I ever received any services at any time of any kind. I did not sign any documents with either the dental school nor the debt collector. I don't know what you are looking at or with whom you may have had contact, but it was not me. Any report to any third party to the contrary will result in continued response by me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

I have repeatedly informed you that the entrance on my credit report is wrong yet you have refused to take action to remove itIf necessary I will take steps to begin measures to forcibly have you remove the negative entry

At first I thought this company was like all other financial companies, but they genuinely care about their clientsThey offered me plenty of solutions to aid me with my medical billingAwesome customer service and great staff!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Thank you for your response back, but this did not answer my question in fullUnder Texas Financial code all debt validations from being received need to be validated or the debt must be taken off a consumers credit reportPlease provide me with a tracking # so I can see why I did not receive the letterAlso I am still unclear of what this debt if for, please provide me with any paper work from the original debtI have asked politely and hope this will be resolved by answering my response
Regards,
*** *** ***

Aetna made an error in an initial claim by labeling it “Out Of Network”, but have since fixed this error and re-processed it as "In Network", as well as sent all appropriate payments to the original creditorI have also sent my payment portion to the creditorAetna has repeatedly confirmed that all processing errors are fixed and that all payments were madeThe original creditor may still have a billing error on their endI supplied all EOB's, Aetna correspondence, and proof of payments to CMRE and they have neglected to stop pursuing the debtAs a matter of fact, they didn't review/respond to my dispute of the debt at all, and continue to try collecting it

Back in May of I had a trip to the emergency room, soon afterward the doctor's bills stated rolling inI paid them all on time or so I thought, until I received a collection bill from CMRE for around $dollarsBy the time I saw the bill it was about days late so I immediately called in and wanted to pay over the phoneI asked the service rep on the line if I could pay it off and asked that the account not be reported as collections on my credit reportHe assured me that I was calling in before the account had been submitted as a collection to the Credit reporting agenciesI was pleased to hear that so I promptly paid the balance over the phone with himA month later the negative collection account showed up on all three of my credit reportsNaturally I was very unhappy and felt that I had been lied to so I called back to CMRE and after speaking with another service rep for mins and getting nowhere I asked to speak with a managerThe manager was unavailable so I le

These guys seem to insist on wanting me to prove I did not incur this bill. I have told them I did not, and believe the burden of proof lies with them. Since I never have visited this service provider, I am sure they cannot provide proof. If you cannot help me resolve with these
people, I will next go to the CA department of Corporations to file a complaint, then to the CFPB and will retain counsel if none of that is successful

This Collection Agency placed on my credit report a derogatory account for my EX-HUSBAND of YEARS I have contacted them on different time and tried to have their error corrected they say I have to provide my drivers license, ss# and divorce papers I advised them I do not have to provide my drivers license or ss# to them as I do not have any business with their company I asked them for a letter stating this was taken off my credit report I emailed the divorce papers on 2/23/ They then changed my EX-HUSBANDS address to my address and send another demand for payment I want this to be corrected immediately They are unreasonable and yes when people constantly have to call they get upsetWell when that happens, you just get cut off Supervisors do not return calls I have left three messages for a supervisor If this is cannot be cleared up with the Divorce Papers as I was told it could by a previous supervisor, then I will be forced to take further action

I am being harassed from this companyI have sent the documentation multiple times that this bill for $was paid back in Nov I am tired of sending the documentation and getting calls from this company giving them the same story They need to get their records straight and stop calling and sending me mail as well
This is the reason I am sending a formal complaint today

We were turned over to CMRE Finance in *** ** ** *** *** ** *** *** ** ***The amount is $and I offered to pay this amount with the condition that our account be deleted from their recordsCMRE Finance refuses to meet this conditionI was advised by our mortgage lender to request that our account be deleted from this company's recordsWhen you think about it, if you pay the amount why would a collection agency need to hold your account open? Our loan officer in the credit department also encouraged us to file a complaint with the Revdex.com and to solicit our attorney to forward a letter requesting that our condition be met

The consumer's complaint is that he located an item on his credit and believes he never received notification of the debtThe consumer's account was assigned to CMRE in October for a date of service in July The first notice was mailed to the consumer in November in compliance with
FDCPA, no mail was returnedThe consumer did send a letter to CMRE that was received in May with a request for validationWhat the consumer fails to state is the request for validation was over years beyond the validation period as described in FDCPAIn an effort to resolve this matter, I have placed a validation to the consumer in the mail today

01/18/The first notice was mailed to the consumer on 08/06/08, no mail was returnedOn 08/14/we received a call from the consumer; she requested we provide her with validation of the debtValidation was mailed to the consumer on 08/19/On 09/10/a letter was mailed to the consumer
notifying her that the account may be credit reported if unresolved, again no mail was returnedOn 11/02/our client notified CMRE that payment had been receivedThe account is shown as paid in full and the consumers credit profile was updated to show the account as payment in fullCMRE has instructed both *** and *** to delete this item from the consumer’s credit profile due to the age of the account

The consumer has several accounts assigned to CMREDates of service being in through The first notice was mailed to the consumer on each account in compliance with FDCPA, no mail was returnedThe consumer's complaint states she had Medicare for her daughter, in none of the accounts was
the consumer's child the patientThe consumer was obligated to provide her insurance information at the time of service, the service provider's have no record of having received any insurance information from the consumerThe consumer refers to a previous complaint filed which was answered and closedThe consumer's accounts have been updated to report disputed status on all credit reported accounts

This company is demanding money over a *** *** *** *** bill and claiming I owe them $38.86, but the *** *** website's billing department has me owing a zero balance and no record of this billLooks like a scam to meI would give zero stars if this were an optionIt's highly likely that the one person posting a five star review among the one star reviews works for CMRE Financial Services

The consumer received notice when the account was
assigned to CMRE to the address he has shown in this
complaint, in compliance with FDCPA, no mail was returnedThe first we
heard from the consumer was on 11/09/when he telephoned CMRE, he stated
he would obtain a copy of his explanation of
benefits and provide
it to CMRENo copy was received Although the validation period
is long past, I am mailing validation to the consumer todayThe
service provider billed the consumer's insurance company however the
insurance company declined payment stating that the consumer's
insurance terminated making this matter the consumer's responsibility

The consumer’s account was assigned to CMRE on 09/10/for a date of service of 11/19/The first notice was mailed to the consumer on 09/16/We did not receive any mail returned The consumer provided CMRE with information to file the claim with the Texas Victims of Crime unit on
07/27/14, We notified our client and they began the claim process. The account was credit reported prior to the consumer providing the billing informationCMRE normally would not remove the item from the consumer’s credit profile until the billing process is completed and the VOC either accepts or denies the claimHowever in the spirit of fairness CMRE has notified both Experian and TransUnion to delete this item from the consumer’s credit profileOnce the process is complete we will mail a letter confirming the deletion to the debtor at the address shown on this complaint

The consumer's account is for services rendered to her minor child in October of The first notice was mailed to the consumer in March of when her account was assigned to CMRE, no mail was returned and the first notice was mailed to the address shown on this complaint, that
the consumer still resides atThe consumer did speak to a CMRE representative, but was unhappy when she was told that the service provider did not allow discountsA statement is being mailed to the consumer todayCMRE does not tolerate any rude or disrespectful behavior towards anyone

I previously sent CMRE Financial a validation letter under the fair debt collection practice act to validate what they claim that I owe them.All I received was an itemized list of alleged charges.This does not meet the Federal Trade Commission guidines of what constitutes proper debt validation.During my request of proper validation with CMRE Financial, I noticed that they are still reporting this collection on my credit report which is considered to be a collection activityThey are now in violation of the FCPDA, and are now subject to fines of $plus actual damages and attorney fees, which I may collect from you by filing a claim in small claims courtThese collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $1000'sReporting such invaliated information to major credit bureaus might constitute defamation of character as the negative marks on my credit report harm my credit and prevent me from enjoying al