CMRE Financial Services Inc

The consumer's account was assigned to CMRE on
01/18/for a date of service of 05/04/The first notice
was mailed to the consumer on 01/24/in compliance with FDCPA, no
mail was returnedIt appears the consumer may have
confused CMRE with another company as she states she has
been
receiving collection notices since October however CMRE did not receive
the account until JanuaryCMRE received no telephone
communication from the consumerThe service provider requested we close
and return the account to them on 03/02/The account has been
closed and was not reported to any of the credit reporting
agencies

I was taken to the hospital by the Sheriff's Department in handcuffs and against my will after not being put a seat belt and being injured in the back seat of the Sheriff's vehicleDoctor gave incorrect treatment results just so the Sheriff's could clear me and book meI was sentenced to years in state prison and recently seen that I have a delinquent account in my credit history reportThe Sheriff's Department should be responsible for this balanceAlso how was supposed to correct this problem while in prisonNow they are charging interest

CMRE claims to have received a file from *** *** that I had an unpaid balance of $from 2014, which CMRE claims to have received for their case in December
They filed a negative claim against my credit report with Experian in March 2016, having provided me with ZERO opportunity to pay the balance, which I had ZERO knowledge of up until May 20,
CMRE sent me a letter on 05/18/It was received on 05/20/2016, and paid IMMEDIATELYThis was the FIRST time I ever became aware of this balance
CMRE claims that they sent a previous letter in March to a WRONG address, and that they were also unsuccessful to call
As a "professional" collection company, they should have practiced some due diligence to contact me CORRECTLY (with the correct address, which they obviously had since they sent me the letter on 05/18/16), instead they reported me to experian and hurt my credit report by over pointsThis has a lasting damaging effect on my credit and finances
C

On 04/16/I was in the Hospital and one of the Radiology expenses were billed incorrectly to my two insurancesI contacted the billing services on 8/11/once I realized they billed the insurance incorrectly They rebilled my insurances Somehow this account was sent to CMRE on 10/for collections and I never received noticed from CRME or the provider as I had moved BTW...this was for $of my $19,hospital bill
When I discovered this on my credit report I contacted CRME and the Radiology company and they contacted CRME to notify them as this account was paid by insurance I contacted CRME and they have only updated as paid refusing to remove from my credit report as a collection accountI have disputed this twice with the credit reporting agency and they have reported that CRME is stating this was their collection account
I have also contacted CRME on multiple occasions to remove this inaccuracy, however they refuse It is criminal that a collection company

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
The basis for my dispute is “ CMRE.” *** was required to notify me prior to 4/21/2011, or no later than days after furnishing the negative information to credit bureau reports, in writing...under such section 623, subsection (7)(A)However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPAAlso, CMRE*** failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA 809, which is $per violation and the state of TX allows treble damagesUnder Validations of date and Mini-Mirandi under Section 807(1) CMRE*** failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with $per violationCMRE*** is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under TDCPA.Smith vHeard S.W.2d693(Tex.App-San Antonio reh.den.)citingMonroe vFrank S.W.2d 654(Tex.AppDallas writ dism'd w.o.j.)I will if the account is not taken back and removed from any and all credit bureau reports, I will turn this over to Gary Nitzkin FDCPA and FCRA national Attorney to look and take over this complaintTherefore, provide me documentation of notification (i.ea copy of the notification sent), and proof that it was delivered to me in a timely manner (i.ea dated certified mail delivery confirmation with my signature)days before or days after ( 4/21/2011) the date it was opened with the bureaus as you have listed
Regards,
*** ***

The basis for my dispute is “ CMRE***” MEDICAL PAYMENT DATA
was required to notify me prior to 6/9/2014, or no later than days after furnishing the negative
information to credit bureau reports, in writing...under such section 623, subsection (7)(A)
However, in my records I am unable to locate documentation you complied with this requirement,
which is a violation of the FCRA & FDCPA
Also, CMRE*** failed to give me my "Mini-Miranda" five days prior to placing this
derogatory item on all of my credit reports, per Section 807(11) & FDCPA 809, which is $per
violation and the state of TX allows treble damages
Under Validations of date and Mini-Mirandi under Section 807(1) CMRE***
failed to send me my initial communication before placing this alleged item on my credit reports
further violating the FCRA, with $per violation
CMRE*** is held liable as well for defamation and in the state ofTX a creditor is who

CMRE Financial Services continues to send collection notices, although I have written them and their client to explain I have never been in any form of contact with their client nor received any services from them In response they sent me an itemized statement, with no evidence that I received these services They will not talk with me via phone unless I divulge social security information to resolve a fraudulent claim I am not going to do that I am not going to pay for something just because they have decided to send me letters I want this to stop, and will file with every supervisory source I can find until they stop harassing me

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 have spoken to *** *** Associates and as of 2/9/the full debt has been transferred to my ex-husbands nameI am no longer liable and it should be removed from my credit reports ASAP.]
Regards,
*** ***

The consumer’s account was assigned to CMRE on 05/15/for the date of service of 11/08/The first notice was mailed to the consumer on 05/18/in compliance with FDCPA, no mail was returned On 05/29/CMRE received a letter from the consumer requesting validation of the debtThe
validation mailed to the consumer on 06/02/The consumer questions if CMRE is licensed in the state of California, CMRE is in fact licensed in the State of California The consumer is asking for a refund of monies he has paidThe consumer is aware that he has not paid any monies to CMRE towards the account, payment was received from his insurance company and contractual adjustment was appliedThe remaining balance due is shown to be the consumer’s co-payment/co-insurance amount as designated by his own insurance company

The demographic information provided at the time of service matches the consumer's information The consumer requested validation of the debt which was promptly provided within the guidelines of FDCPAIf the consumer feels she is a victim of identity theft, she should provide us with a copy of the police report filedThe accounts have been reported as disputed to both Experian and TransUnion

The consumer again has NEVER contacted CMRE directlyAs previously stated, the first notice was mailed to the consumer at the address shown on this complaint, no mail was returned. We sent validation of the debt to the consumer, although we are well past the validation period as described in FDCPAWe have replied to each complaint the consumer has filed with various organizatinsThe account has been updated to show the account in dispute with both Experian and TransUnion

I recently discovered a collection (acct# ***) in the amount of on my Trans-Union and Experian credit reports for an account that I do not owe nor ever received a bill forWhen I called CMRE to find out what the collection was for they explained that it was for when I took my child to the ERI informed them that all out of pocket medical expenses are the sole responsibility of my ex-husband per our divorce decreeI was then informed by CMRE that it wasn't their problem and my best bet would be to pay the collection in full I have still yet to receive anything in the mail from either *** *** or CMRE

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 have asked for new paperwork regarding this account to be sent outThis is the only account I have not been able to payPlease send documentation for this bill before it is paidI have updated address and contact information about a month agoStill waiting on a statementAlso I would like to know why they have reported this so many times to my creditorEvery months as if this is a new debtAddress: *** * *** *** ***
*** *** ***
*** ***
Regards,
*** ***

Inhad an outstanding bill for that my insurance did not coer from the radioly departmentbon It now seems that it was repirted to different companiesIts for the same amount and the same proceduee and the same dateI paid a company called asset maximization for that bill already so I know its not outstanding anymore..then I called cmfre to find out what the bill was about only to encounter a rude individual saying that it could have been different procesure from the same company for the same time , same place everythingI know that this is not correct and need help in making sure that im not double paying anything I also asked to speak to a supervisor which inwas told they cant get me one til hours or more

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.If the company has submitted a request to remove the trade line from credit, please have them provide me with a copy of the letter being provided to credit reporting agenciesI would like to receive a copy of this letter for my recordsRegards,*** ***

Dear sir,I am writing in response to the complaint that was filed.I have yet to have those creditors remove the derogatory credit from my credit report, after they indicated to your company that they would remove them from my credit reportAs of yesterday, they are still listed as creditors under my credit report. I would like for you to research, review, and somehow have this company to execute their statement to you on removing the negative report from my credit report. Please contact me at the email address listed in this request.Sincerely, *** ** ***

The FCRA requires CMRE report accurate information,
The consumer's account was assigned to CMRE on 02/21/14, the
consumers date of service was 06/25/The required notice was mailed to
the consumer on 02/26/14, in compliance with FDCPA, no mail was returned
The consumer did not pay the account to the original service provider
only assigned the account to CMRE after waiting months with no paymentCMRE
notified the consumer of the account but it was not paid until over a
year and a half after it was assigned to
CMRECMRE has correctly reported the account as paid to both Experian and TransUnion

The consumer signed an agreement with CMREOnce
the terms of the agreement are met CMRE will uphold their end of the agreement The consumer received a copy of the agreement prior to signing and is aware of the
terms she agreed to

Letter was mailed to the consumer on 08/25/The letter contains information

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,
*** ***