CAPITAL RESOURCE MANAGEMENT, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12208
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CAPITAL RESOURCE MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
02/14/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11434
Web
This is to Capital Resource Management ( CRM ) Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Amount of debt : Date of service : Provider of service To whom it May Concern, I received a bill from you on or about XX/XX/XXXX and as allowable under the fair debt collections practice Act, I am requesting validation of the alleged debt. I am aware that there is a debt from ( name of doctor, hospital, clinic, nurse, emts, fire department, police ) but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. Furthermore, I'm allowed under the HIPAA law ( Health and Insurance portability and Accountability Act of 1966 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that HIPAA does allow for limited information about me but any detail may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization. Please provide a breakdown of fees including any and collection costs and medical. Please provide a copy of my signature with the provider of service to release my medical information to you. Immediately cease any credit bureau reporting until debt has been validated by me. Please send this information to my address listed above and accept this letter as allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my 2nd written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act, which can allow me to seek damages from a collection agent. I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail.
01/09/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • XXXXX
Web
ON XX/XX/XXXX Company Responsed, and stated that On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( Consumer ) received services from the Provider. The total charged for the services was {$7400.00}. Prior to the services being performed, the Consumer signed a financial responsibility agreement. On XX/XX/XXXX the Provider assigned the Consumers account to Capital Resource Management , Inc. ( Company ) for non-payment of the balance due. The Provider also advised that the Consumers insurance company issued a payment directly to the Consumer for the services provided and the Consumer did not forward the payment to the Provider. On XX/XX/XXXX the Company sent a collection letter by U.S. Mail to the Consumers address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX the Company furnished the Consumers account information to XXXX XXXX. On XX/XX/XXXX the Company sent a second collection letter by U.S. Mail to the Consumers address. At no time prior to the receipt of this CFPB complaint did the Company receive any contact from the Consumer. Upon receipt of this CFPB complaint the Company contacted the Provider and verified that the debt information is accurate. A copy of the Consumers billing and financial agreement has been sent by U.S. Mail to the Consumers address. The amount owed {$7400.00} is incorrect. The original bill that is attached stating the amount was {$420.00}. Yes, the payment was mailed to me and deposited. However, a personal check was mailed directly to the office. Now assuming they never received the check by mail or it was never deposit into their account.
06/22/2021 No
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29710
Web
I, XXXX XXXX, received notice in the mail from XXXXapital Resource Management , Inc., that I owed a debt on XX/XX/2018. Capital Resource Management , Inc., violated 5 of my federally protected consumer rights under 15 USC 1692, the Fair Debt Collection Practices Act. The violations are as follows : 1 ) 15 USC 1692b ( 5 ) - a symbol/logo was featured on the contents of the letter indicating that Capital Resource Management , Inc., is in the debt collection business, no symbols/logos are to be used ; 2 ) 15 USC 1692b ( 2 ) - my location information was obtained by Capital Resource Management , Inc., in communication with XXXX XXXX XXXX regarding the collection of debt stating that I owe a debt, which is not to be stated ; 3 ) 15 USC 1692d ( 2 ) - language was used in which the natural consequence is to abuse the hearer or reader, " pay in full to prevent further action '' ; 4 ) 15 USC 1692e ( 1 ) - false representation of an affiliation with a State ( the license number provided by Capital Resource Management , Inc., did not exist in the New York State database of the Department of Consumer Affairs ) ; 5 ) 15 USC 1692d ( 1 ) - the suggestion that Capital Resource Management , Inc., furnishes information to the Consumer reporting agencies is harmful to my reputation.
03/12/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11552
Web
I filed a dispute to XXXX regarding ambulatory service charges of {$1400.00} through XXXX XXXX. My insurance info was given many times so i am not sure why this account is in collections. When i filed a dispute it took very long for them to give an answer and i had to dig for the answer ( re file a dispute gave me my answer that XXXX did nothing ). XXXX never reached out to me or emailed me to tell me they had an answer. This info is incorrect and should not be in collections. This battered my credit score.
01/06/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 115XX
Web
I checked my credit report today and it showed this medical debt for an ambulance I took. I do not even remember using this ambulance and never received information about this debt it just suddenly appeared like a shadow on my report. The company never contacted me or spoke with me before putting it in collections it just arrived on my report like some shadow.
10/06/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11793
Web
From XX/XX/2018 - XX/XX/2018 they have contacted me anywhere from 40-50 times. They have accused my co-workers, my self and other associate with me of all sorts of allegations. They have contact my wife and family members about this allege debt. This is not my debt and I want the harassment to stop.
11/03/2018 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11553
Web Servicemember
This debt does not belong to me. And i never and was not able or available to use ambulance at the time of the debt. Because i was imprisoned at the time.
04/19/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11003
Phone
04/09/2022 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11434
Web
02/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11433
Postal mail
01/18/2022 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11423
Web
11/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30097
Web
09/14/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11510
Web
06/01/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11575
Web
05/04/2021 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11575
Web
03/10/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11010
Web
02/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11756
Web
12/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11518
Web
08/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11422
Web
03/11/2020 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11746
Referral
07/13/2019 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11420
Web
05/19/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11758
Web Servicemember
05/10/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10924
Postal mail
04/18/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34787
Web
02/08/2019 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11379
Web
01/21/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NY
  • 11577
Web
03/22/2017 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11516
Web
11/13/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11572
Web