| 08/18/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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To the attention of the Honorable XXXX XXXX, XXXX CA, and allied regulators, While this may not be a legal definition of harassment, I am never the less being continually asked by CMRE, the collection agency for XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX, XXXX ), for payment on bills Ive already paid. This means I must take time away from more important issues to define in detail that CMREs charges are either a mistake or a complete fabrication.
XXXX billing, or the submittals from the doctors office have been erroneous. For example, CMRE lists on their most recent demand for payment for an office visit on XX/XX/XXXX where I had to travel 13 miles to XXXX XXXX. Further, I asked XXXX XXXX for the results afterwards via the patient supplied site to post comments, and never got them. Therefore the travel to XXXX and the test done there was worthless to me. Its unfortunate since the technician seemed to be very thorough and the results would, I believe, have been worth the time and expense.
The above example is not the only one of XXXX, XXXX errors. A visit on XX/XX/XXXX contained a billing error of {$410.00} for a visit made to XXXX XXXX. The original bill was {$430.00} ( before insurance ) with pending insurance of {$380.00}. I had to call XXXX, XXXX and speak to a woman in the office over this math error, which she agreed to fix ; otherwise the bill stated I owed {$410.00}. She did correct this for me to the amount owed of {$25.00}, otherwise I would have had to go to XXXX billing office and pay a toll call to correct their mistake. XXXX has made sure that it is as difficult and costly as possible to contact them over such issues.
On XX/XX/XXXX XXXX XXXX arranged for me to see a XXXX, XXXX XXXX XXXX on XX/XX/XXXX. His bill, while affordable after insurance, did not appear on any statements for about 2 years. XXXX XXXX had since left XXXX, XXXX. I refused to pay that bill because of the number of years that had elapsed before receiving it. As a new patient I considered receiving bills this old would totally destroy my recording keeping by forcing me to look back that many years to make sure it was valid. I also spoke to a person in the XXXX, XXXX office, and it was agreed that this bill was too old to be presented, and it didnt appear subsequently. It also is not within XXXX, XXXX stated policy of the expectations for the patient to receive charges within 45 days of a procedure.
The following are my responses to ALL the CRME demand payments, and my payment record.
On XX/XX/XXXX CMRE lists the original bill as {$3.00} as unpaid. This was listed as ZERO responsibility on XXXX, XXXX statement dated XX/XX/XXXX. This amount was paid with the statement total with chk # XXXX XXXX in the amount of {$35.00} The original balance of {$3.00} dated XX/XX/XXXX was listed as ZERO responsibility on XXXX, XXXX statement dated XX/XX/XXXX.
On XX/XX/XXXX I was billed for {$5.00}. This was paid by chk. # XXXX XXXX XXXX ( XXXX ) in the amount of {$130.00}. which included ALL described services. CMRE lists this as a total due to them of {$5.00}, though paid.
The XX/XX/XXXX visit, shown on XXXX, XXXX statement dated XX/XX/XXXX was also paid by chk. # XXXX XXXX in the amount of {$130.00} that included all visits.
The XXXX, XXXX statement for service on XX/XX/XXXX was an issue of double billing by XXXX, XXXX. When CMRE got it, it was triple billed for the same service, though paid originally via chk # XXXX XXXX for the statement presented on XX/XX/XXXX.
On XXXX, XXXX statement dated XX/XX/XXXX ALL outstanding services were paid for a total of {$33.00}. Included were as follows. Procedures are coded for brevity.
The original balance of {$3.00} ( XXXX Electrocardiogram ) dated XX/XX/XXXX was listed as ZERO responsibility on XXXX, XXXX statement dated XX/XX/XXXX.
Procedure coded XXXX listed on XXXX, XXXX statement for service of XX/XX/XXXX was paid by chk # XXXX XXXX originally charged at {$5.00}, but CMRE also added interest on what had already been paid.
Procedure coded XXXX patient responsible for {$16.00} was also paid on receipt of XXXX, XXXX statement dated XX/XX/XXXX by chk. # XXXX XXXX in the amount of {$130.00} for all listed.
Procedure coded XXXX patient responsible for {$11.00} on XXXX, XXXX statement dated XX/XX/XXXX was also paid by chk. # XXXX XXXX in the amount of {$130.00}.
Procedure coded XXXX patient responsible for {$24.00}, per XXXX, XXXX statement dated XX/XX/XXXX was also paid by chk. # XXXX XXXX in the amount of {$130.00} for all listed.
Due to the ongoing problems with billing I waited until ALL previous bills were available to be paid. I have no desire to put up with the billing mistakes, math errors and debt collector threats. I will not be returning to this medical center. This kind of treatment does not enhance a persons health. Most of the treatment consisted of one test after another with no resolution, I need to add. The only result of value was one requiring me to lose weight which I undertook of my own volition, not at the suggestion of any medical doctor. It appeared to me they were more interested in prescribing yet more tests, with little suggestion afterwards as to what they indicated. In particular I was asked to have a magnetic resonance image taken near the end of all my listed visits. I felt by this time there should be some direction as to why such an expensive test was needed. I was told, Why do you care. XXXXnsurance pays for it. The correct answer should have been, ... because ... and you can fill in the blanks.
Since this has proceeded for some time, and I have answered the reasons previously why these payments are no longer due, having already been paid, I must now go to the next step requesting that you, the Federal Trade Commission, through the Federal Trade Commissions Fair Debt Collection Practices Act ( FTC, FDCPA ) step in and put a stop to these illegal requests for moneys already paid.
The following is a screen shot of my XXXX balance at the XXXX, XXXX. This should be enough to show that XXXX, XXXX, acknowledges I have paid for all XXXX, XXXX services. I can provide ALL statements from them, as well as bank statements showing ALL charges have been paid. What should happen is that CMRE should first be fined for submitting demands for payments already paid, that can be fully verified upon additional request. CMRE should also be made to pay my costs for all statements from XXXX, bank records and access to my billing account at XXXX. Access to my XXXX billing account, by the way, can be provided if Im given specific directions by the recipients to be in receipt of these records. This includes allowing CMRE to directly view the image from XXXX below ( not shown here ) showing no balance owed. If CMRE persists they need to be BANNED AS A DEBT COLLECTOR to protect others from what Ive experienced.
I will gladly provide copies of all statements from XXXX, XXXX, as well as my bank that show the payments for services were paid. Ive noted on each XXXX statement the check number and bank used to make the payments on each statement.
There is an additional cost to me to have to copy all these statements again as copies sent through the USPS from XXXX and my bank to you, as XXXX ; FTC, FDCPA ; as well as XXXX, XXXX and their debt collector, CMRE. It appears that either there is no communication between XXXX, XXXX billing and their debt collector, CMRE, or CMRE is attempting to see if they are able to intimidate me into paying non-existent debts.
I also made a spread sheet that contains all of the above. It is a bit easier to follow, but Im not sure if there is a way to include it with all recipients of this message.
IMAGE REMOVED I will very much appreciate your response. In the event that this issue continues where a court will have to look at the evidence your response will provide additional proof that there is NO justification for CMREs demands for payment. I will extend my gratefulness for your help afterwards to public news sources that will be read by others being unjustly intimidated for payments they do not owe. THIS HAS TO STOP. CMRE has to be BANNED as a debt collector. It is un-AMERICAN, as well as a number of other descriptions that apply if the rule of law is ignored.
I suggest a deeper look into this to see if there is collusion within XXXX, XXXX to generate duplicate requests for payment. I was provided insight into double billing from within XXXX, XXXX.
What I received from CMRE was not understandable. On one sheet they listed {$0.00} amount due. On another they listed {$110.00} due. The distinction is not defined, but as far as Im concerned I paid in full for ALL services via my final chk # XXXX XXXX for {$33.00} as requested on statement from XXXX, XXXX dated XX/XX/XXXX. ( See the above image showing current XXXX balance. ) ... NOT POSSIBLE HERE.
The intended recipients of this are CMRE, Federal Trade Commission ( Consumer Financial Protection Bureau ), CA XXXX, XXXX XXXX XXXX XXXX ( XXXX, XXXX ).
Cc : CMRE ( XXXX ) XXXX ( XXXX ) FTC, CFPB ( XXXX XXXX XXXX ) XXXX XXXX , California XXXX , XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
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| 12/08/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX
XXXX XXXX
XXXX XXXX
XXXX XXXX, Il XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX
XXXX, IL XXXX
http://XXXX
Attention: Claims
Subject: XXXX XXXX: Request to Retract XXXX Additional Fees
On XX/XX/XXXX, at XXXX XXXX I had XXXX as scheduled at the hospital below:
XXXX Hospital
XXXX XXXX XXXX XXXX XXXX
XXXX, Il XXXX
Phone:(XXXX) XXXX
Re: Patient Account XXXX
Dr. XXXX XXXX XXXX, XXXX
XXXX
XXXX XXXX XXXX
On the day of the procedure before being admitted, the cashier informed me that I would have to pay $XXXX as a co-payment. Being that I had gone through the preparation process, but startled of the charge, I agreed to proceed and accepted the payment plan that consisted of $XXXX per month. Payments were paid as agreed on a monthly basis. See Attachment A Patient Account XXXX, XXXX Payment Plan.
I am now in receipt of collection letter from CMRE (collection agency representing XXXX Hospital) demanding an additional payment of $XXXX for the same XXXX procedure conducted on XX/XX/XXXX. CMRE Account #: XXXX. See Attachment B. The initial letters from XXXX stated that my insurance said I was responsible for the additional charge.
My insurance under the Affordable Care Act’s website, https://XXXX, was with XXXX XXXX XXXX XXXX Plan (XXXX). During the time of the XXXX the XXXX Plan was as follows:
XXXX XXXX XXXX XXXX XXXX Coverage ended XX/XX/XXXX
XXXX
Coverage dates XX/XX/XXXX - XX/XX/XXXX
If I had been informed at the time of my appointment that additional fees beyond the $XXXX would be required, I would have cancelled the appointment as my income at that time and subsequently could not accommodate such additional fees. I was not employed but XXXX and receiving social security benefits. Any additional amounts would have caused a financial hardship. Given that I was not given the opportunity to make that financial decision, the additional charge of $XXXX should be retracted. Also based on my research, the fee should not have been incurred for the following additional reasons:
1) According to the Affordable Care Act, preventive screening* XXXX are to be covered free with no co-insurance or co-payment under the Affordable Care Act.
2) CDC supports screening for XXXX (XXXX as recommended by the U.S. Preventive Services Task Force because XXXX XXXX almost always develops from XXXX XXXX (XXXX XXXX) in the XXXX or XXXX. Screening tests can find XXXX XXXX, so they can be removed before they turn into XXXX.
3) In 2004 the IRS specified that screening XXXX was a preventive service eligible for first-dollar coverage under these plans and specifically noted that the “removal of XXXX during a diagnostic XXXX is preventive care.”
4) Provider coding practices and insurance claims processing systems don’t use consistent methods to identify procedures for which cost-sharing should be waived. As a result, insurers have not consistently applied the new ACA preventive care benefit to screening XXXX if a XXXX is removed, if the procedure follows a positive FOBT, or if a person is at increased risk for such reasons as a family history.
5) In response to the ACA’s new preventive services requirement, the XXXX XXXX XXXX, which maintains the CPT coding system, developed CPT modifier “XXXX” to indicate when a procedure is initiated as a preventive service. Modifier XXXX can be added to the procedure code; so for a patient who sought a screening XXXX that resulted in XXXX XXXX, the service would be coded as XXXX. The doctor’s payment is increased when the XXXX is removed to reflect the added work, but modifier XXXX signals the insurance claims processing system to waive the deductible or other cost-sharing that might otherwise apply to the procedure.
6) Provider coding practices and insurance claims processing systems don’t use consistent methods to identify procedures for which cost-sharing should be waived. As a result, insurers have not consistently applied the new ACA preventive care benefit to screening XXXX if a XXXX is XXXX, if the procedure follows a positive XXXX, or if a person is at increased risk for such reasons as a family history.
SUMMARY
• XXXX are covered by insurance — with no copay, thanks to the Affordable Care Act — when the main purpose of the test is to screen for XXXX in a person who is at average risk for XXXX. Private insurance should cover the procedure, called a screening XXXX, in full even if a XXXX is XXXX, according to XXXX XXXX, a XXXX fellow at XXXX XXXX and policy expert for the XXXX XXXX XXXX, which issues guidelines for XXXX. The lab work on the XXXX should also be covered because it is related to the same episode of care, she said, though some insurers may not follow that.
• When the Affordable Care Act mandated coverage for screening XXXX, some patients got caught in a loophole that allowed patients to be billed if a XXXX were found, turning what had been a screening test into a diagnostic one. The government in 2013 issued clarification requiring the procedure be covered in full so long as the initial intent was to scan for XXXX in a patient who is not considered at high risk for XXXX XXXX.
From a prevention perspective, a screening test would not be considered successful if the follow-up XXXX were not performed to identify XXXX and/or XXXX XXXX that may have caused the positive XXXX in the first place
*Definition of screening – According to medical experts, screening is defined by the population to which a test is applied (i.e., individuals who are asymptomatic), not the findings that result from the test itself.XXXX In the context of XXXX XXXX, this definition indicates that “screening” would describe a XXXX that is routinely performed on an XXXX person for the purpose of testing for the presence of XXXX XXXX or XXXX XXXX. Whether a XXXX or XXXX is ultimately found should not change the screening intent of that procedure.
This definition of screening is widely accepted in the medical and public health arenas, but is not consistently captured as such within the current medical billing and coding system and is not necessarily embraced by all health plans. Several insurers interviewed reported that cost-sharing should be determined by whether patients were asymptomatic at the time they underwent XXXX—i.e., the procedure was for screening – even if a XXXX was XXXX. Other insurers said while they consider screening XXXX to be a preventive service regardless of XXXX XXXX, their claims payment systems apply cost-sharing depending on how providers code the procedure.
Most XXXX XXXX result from XXXX XXXX (“XXXX XXXX”) in the XXXX of the XXXX that become XXXX over time. Because most of these XXXX can be identified and removed during a XXXX, in many cases, XXXX XXXX is preventable through timely screening.
XXXX XXXX is a routine part of screening taking place in approximately half of screening XXXX for patients who are at average risk of developing XXXX XXXX. Of the XXXX XXXX, about half are XXXX XXXX, which have the potential to become XXXX. Physicians cannot reliably distinguish XXXX XXXX from harmless, XXXX XXXX during XXXX, and so typically remove all XXXX identified during a screening XXXX.
I hereby request XXXX XXXX XXXX XXXX XXXX XXXX XXXX
1) To contact XXXX Hospital to accept the claim and/or recode the service as XXXX The additional charge of $XXXX for the XXXX services provided on XX/XX/XXXX. Patient Account XXXX should be rescinded.
2) Issue to me a direct and detailed statement stating that the charges have been recoded and accepted by XXXX XXXX XXXX XXXX XXXX and that XXXX XXXX, XXXX Hospital Patient Account XXXX has been paid in full and that I am not responsible for any additional fees.
This email is addressed to XXXX in hopes that the matter is addressed directly. However, the contact entities below have been sent this same correspondence. All responses to this request should be snail mail to me at the address above or respond to this email at XXXX. Phone calls are not an option.
CONTACTS:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX
XXXX, IL XXXX
http://XXXX
Attention: XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX
XXXX
XXXX Hospital
XXXX XXXX XXXX XXXX XXXX
XXXX, IL XXXX
XXXX
XXXX
Patient Account Services Department
XXXX Hospital
Toll Free Number: XXXX) XXXX-XXXX
https://XXXX
XXXX XXXX XXXX
Chief Financial Officer
XXXX
XXXX
XXXX. XXXX XXXX XXXX, XXXX.
XXXX
XXXX XXXX XXXX
CMRE Financial Services, Inc. (Collection Agency for XXXX Hospital)
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, CA XXXX
XXXX XXXX XXXX
www.XXXX
XXXX
CMRE Account #: XXXX
Consumer Financial Protection Bureau
XXXX XXXX XXXX
XXXX, IA XXXX
(XXXX) XXXX-XXXX
https://www.consumerfinance.gov/about-us/contact-us/
info@consumerfinance.gov
Sources:
https://XXXX
https://XXXX
https://XXXX
https://XXXX
https://XXXX
https://XXXX
https://XXXX
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| 08/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX CMRE FINANCIAL SERVICES XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please be advised this is my 5TH WRITTEN REQUEST about THE ERRORS YOUR COMPANY IS REPORTING AGAINST ME ON MY 2 CREDIT REPORTS. Yet again, you have failed to provide me with a copy of any viable evidence THIS ACCOUNT IS BEING REPORTED ACCURATELY.
LET ME POINT OUT ( AS ATTACHED TO THIS COMPLaint ) ARE copIES of my 2 credit reportS where your company errors are shown in detail. ALSO PREVIOUS REPORTS WHERE YOU REPORTED a change in reporting and increase in balance??
ERROR 1 : XXXX/XXXX NOT STATING ACCOUNT IS BEING DISPUTED AS COMMANDED BY FCRA LAW 623 ( a ) ( 3 ) ERROR 2 : PAYMENTS I NEVER MADE BEING REPORTED Repayment History by XXXX : XX/XX/XXXX - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK -XX/XX/XXXX - - - - - - - - - - - - - - - - - - - - - - - - - - -XX/XX/XXXX - - - - - - - - - - - - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days LaE 180 180 Days Late PP Payment Plan RF RepossessioN XXXX Account Number XXXX Payment Status : n/A Account Balance {$1500.00} Date Opened XX/XX/XXXX Limit Amount Past Due {$1500.00} Original Amount - - -Original Creditor N/A ERROR 3 : NO VERIFIABLE PROOF account is mine EVER BEEN PROVIDED to me in writing AFTER MULTIPLE REQUESTS I dont have a contract with CMRE even if I had an account with XXXX and or XXXX XXXX the city ERROR 4 : ACCOUNT BEING REPORTED AS collections but reporting monthly payments like an installmet loan Error 5 : increase in balance owed every mnth for 3 years when I had no contract with them or OC for anything AND NO INTREST STIPULATED Error 6 : NO charge off date and incorrect monthly reporting showing current payments but that the account is late? How is that even possible?
ERROR 7 : NO OC SHOWED HOW DO I KNOW THIS IS VALID ERROR 8 : FCRA Section 623 ( a ) ( 1 ) ( C ), YOU SHOULD KNOW THE LAW YOUR BREAKING HERE ERROR 9 : NEVER PROVIDED DOCUMENTATION ON STATUS OF ACCOUNT PER FCRA law 623 ( a ) ( 4 ) Error 10 : No notice ever sent once alleged account went into late/charge off status FCRA law 623 ( a ) ( 7 ) ( G ) ( i ) THIS IS A COLLECTIONS ACCOUNT HOW DO YOU REPORT MONTHLY INSTALMENT PAYMENTS??????
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please provide me with the following : 1. What the money you say I owe is for?
2. Explain and show me how you calculated what you say I owe?
3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 6. PROVIDE ME EITHER MY BANK ACCOUNT NUMBER # /CREDIT CARD # WITH SIGNED SLIP/CHECK IMAGES/MONEY ORDER RECEIPT/WIRE TRANSFER CONFIRMATION # /ACH TRANSFER CONFIRMATION # OR ANY OTHER FORM OF PAYMENT YOU CLAIM YOU RECEIVED FROM ME TO VALIDATE/PROVE YOUR ERRONEOUS REPORTING OF THIS ACCOUNT TO THE BUREAUS, THAT I MADE 9 MONTHS OF PAYMENTS TO YOU FROM XXXX AND XXXX XXXX. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent.
10. PROVIDE ME THE names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME.
11. PROVIDE THE DOCUMENTED PROOF THAT YOU EVER GAVE ME NOTICE OF THE CHARGE OFF PER FCRA LAW 623 ( a ) ( 4 ), and PROVIDE THE ACTUAL CHARGE OFF DATE AND AS STATED YOU MUST IN FCRA LAW 623 ( a ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
12. PROVIDE THE DOCUMENTATION AND PROOF YOU PROVIDED ME REGARDING THE STATE OF THIS ACCOUNT ONCE IT BEGAN REPORTING AS A LATE PER FCRA LAW FCRA 623 ( a ) ( 4 ), As it stands now the reporting is a clear violation of the Fair Credit Reporting Act. ( FCRA ) I would also mention that one needs to also insure your employees are receiving and following the proper training in regard to your chosen industry. This statement is in reference to the past nature of your correspondence/communication. The Court has stated the following, which you should be quite familiar with : The Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692n ( " FDCPA '' or " Act '' ), under which this case arises, is premised on the congressional belief that " 'every individual, whether or not he owes the debt, has a right to be treated in a reasonable and civil manner, ' '' XXXX v. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), citing XXXX XXXX. Rec. XXXX ( XXXX ).
At this time, we solely seek the correct remedy to our credit report AND DELETE THIS ACCOUNT From all 3 bureaus. It is in good faith that we will assume your employees in the future will follow the rules of the FCRA/FDCPA with any of your other clients you may have, as they have failed miserably thus far in our case.
We stress that this matter requires your immediate attention as I am currently, due to your reporting inaccuracies, experiencing financial injury. In addition, now that you have been AGAIN PROPERLY notified of your error in writing, you may not continue to report the information as it is, in fact, an error. Should you not correct this we will pursue the extent of damages incurred BY ME, the injured partY, as deemed by the courts. ( US Court of Appeals, XXXX Circuit, XXXX. XXXX, XXXX vs. XXXX XXXX ) If you need to contact ME regarding this account I request all correspondence be sent to the address below and will NOT accept phone calls from you or your associates. All correspondence will be in writing/EMAIL only.
If this matter isnt fixed immediately, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 600-618 regarding your continued willful and negligent noncompliance.
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Federal Law. Furthermore you have failed to provide the method of verification as an Original Wet Note signature Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. AND if not fixed immediately, I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) DEFAMATION 2 ) VIOLATION OF FCRA ACTS ( SECTIONS INCLUDING, BUT NOT LIMITED TO, 807-8, 623-a-3, 616-617, 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), FCRA 623 ( a ) ( 5 ) ( A ), FCRA 623 ( a ) ( 5 ) ( B ), FCRA 623 ( a ) ( 7 ) ( G ) ( i ) ) Thank You, XXXX XXXX XXXX
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| 11/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CMRE FINANCE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/31/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On the XX/XX/XXXX Date of Service, I attended an Emergency Room visit at XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX. XXXX, CA XXXX ( related to file # XXXX ) after being given incorrect information by an employee about the type of treatment they would have been able to provide. Essentially, they were not able to provide the services that were asked about, and my ER visit was less than 10 minutes with no treatment, evaluation or diagnosis, which resulted in a {$1300.00} bill. As a result, the hospital later significantly adjusted/reduced my bill for this visit because 1 ) I would not have attended the facility if not for the employee 's misinformation, and 2 ) a coding error was made on my Date of Service, which was part of the large aforementioned bill.
As of recently, I received a separate bill for {$82.00} from the physician 's billing office ( XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX | Account # XXXX | XXXX ( XXXX ) XXXX ) of the doctor who met with me on the Date of Service. It should be noted that I only received one notice for this bill, which arrived to my home in XX/XX/XXXX, after it had already been sent to collections ( CMRE Collections | XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) without providing me any other written ( mail ), phone or email notice beforehand. Immediately following, I got in touch with XXXX XXXX XXXX XXXX XXXX ( the billing office ) and asked that they reevaluate the bill so that it could be adjusted according to the coding and misinformation errors. I then provided them with all relevant paperwork from the hospital 's bill reduction, as well as my own signed/written statement on the matter.
Initially, the physician 's billing office denied the adjustment, stating that the bill amount was correct despite the hospital realizing that my initial bill was incorrect and changing it. Before submitting a second evaluation of my bill adjustment request with the physician 's billing office, I was told by that I needed to have the hospital that I treated with on my Date of Service ( XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, CA XXXX ) send them documentation of my bill adjustment to assist with the reevaluation.
Upon contacting the hospital ( XXXX XXXX XXXX ), I was told that they could not send any forms outbound without the physician 's billing office ( XXXX XXXX XXXX XXXX XXXX ) requesting it from them directly. When I informed the physician 's billing office of this, they said that they would 1 ) Open up my request for a second evaluation and 2 ) Be requesting the forms from the hospital to assist with this. As of last XX/XX/XXXX, I was informed by Supervisor XXXX XXXX. ( ID - XXXX ) that my second evaluation was denied. When asked why, he informed me that they had not requested the forms as stated, and that they came to the conclusion that the bill 's coding was correct for a second time. It should be noted that this was done without the proper documentation to make a correct analysis of my bill because they elected to not request it.
Additionally, XXXX has told me that even though there is not way for the hospital to send them any forms without their direct request, that the physician 's billing office ( XXXX XXXX XXXX XXXX XXXX ) are refusing to submit this request, despite them being necessary to properly review my bill, because their ( XXXX XXXX XXXX XXXX ) policies did not allow it. Through my multiple contacts with XXXX XXXX XXXX XXXX XXXX, particularly XXXX XXXX. ( ID # : XXXX ), I have been given large amounts of misinformation, hung up on, not been given scheduled callbacks on multiple occasions and been denied the ability to escalate to a supervisor regarding this matter. I have been putting in large amounts of effort to resolve this issue and have my bill properly evaluated since XX/XX/XXXX, but have been getting the run-around by XXXX XXXX XXXX XXXX XXXX and am no closer to any conclusion. As of the date of this complaint 's submission, I have yet to receive a callback from this office after multiple requests in order to resolve this issue. Lastly, I'd recommend that the phone recordings for my calls be reviewed for a complete-scope of my issues with this billing office and their refusal to work with me on this matter.
Please be advised that the attached documents are my bill from XXXX XXXX XXXX XXXX XXXX and the letter that was initially sent to XXXX XXXX XXXX to resolve my {$1300.00} bill. In particular, the hospital bill more thoroughly outlines my issues with the Date of Service and following weeks. It should also be noted that CMRE Collections is the agency who is holding my bill in collections. Although, my issue has not been with them, but rather XXXX XXXX XXXX XXXX XXXX, who sent my bill to collections. My attempts to resolve this issue have been with with XXXX XXXX XXXX XXXX in order to have them correct the issue, and relay that to CMRE Collections.
I can be reached any time by phone at XXXX, or by email at XXXX. Thank you for your consideration.
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| 10/09/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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It is no my intention nor ever been not to pay or avoid to paid any debt that Im legally obligated, but unfortunately CMRE Financial Services and its President and XXXX XXXX XXXX had completely ignored my three ( 3 ) disputes letters and had ignored my explicit request to provide me with ( 1 ) Copies of the original contract showing terms of agreement with my signature ; ( 2 ) All documents signed by me proving the amount of obligation ; ( 3 ) Documented proof that this is my obligation.
I obtained a copy of my credit report on or about XX/XX/XXXX, shortly after I directly disputed in writing with the credit bureaus and with CMRE the accuracy of alleged account XXXX, reported in my credit file by CMRE to the credit bureaus, via fax and via USPS certified mail ( XXXX ) ( XXXX ) CMRE and XXXX XXXX XXXX , received a ADV from the credit bureaus along with my fax and certified dispute letters on or about XX/XX/XXXX.
CMRE or XXXX XXXX XXXX, never respond or acknowledged my dispute letter nor they ever validated the allege account due to my dispute letter.
On or about XX/XX/XXXX and XX/XX/XXXX, CMRE and XXXX XXXX XXXX verified with XXXX as accurate the alleged account XXXX.
CMRE and XXXX XXXX XXXX, not only ignored my disputes letters but also without validating the alleged account and without accurately mark as required by the FDCPA that XXXX XXXX dispute the debt in my credit report on or about XX/XX/XXXX, As evidence by the XXXX results from my dispute under Report number XXXX, dated XX/XX/XXXX.
I believed, CMRE and XXXX XXXX XXXX are my rights under the FDCPA for included but not limited : Failure or refusal to validate the debt and the account as required under the FDCPA ; XXXX and XXXX XXXX XXXX are in violations under Federal XXXX. XXXX ; in connection with debt collection ; 1692d. Harassment or abuse 1692e. ( 2 ) ( 8 ) ( 10 ) False or misleading representations ; 1692f. Unfair practices ; 1692g. Validation of debts ; 1692k. Civil liability The DATA information currently reported by CMRE and XXXX XXXX XXXX to the credit bureaus on XXXX XXXX credit report not only is inaccurate and misleading but is also false for one or more of the following reasons : FACTUAL ALLEGATIONS I never opened any account or enter into any agreement or contract with CMRE on XX/XX/XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus I never agree to pay any money to CMRE under account XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus I, did not currently or at any time owe or ever owed CMRE any original balance in the amount of {$590.00}, under account XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus I, did not currently or at any time owe or ever owed CMRE any outstanding or recent balance in the amount of {$630.00}, under account XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus Additionally, CMRE and XXXX XXXX XXXX are communicating to XXXX and XXXX in XXXX XXXX credit report information, which is known, or which should be known to be inaccurate and/or false specifically : The alleged Status of acc : Seriously past due date The alleged Balance as of XX/XX/XXXX : {$630.00} The alleged Original balance : {$590.00} The alleged Term : 1 Months The alleged Date opened : XX/XX/XXXX The account type : OPEN 15 U.S.C. 1692e ( 8 ), provides that a debt collectors may not " communicate to any person credit information which is known or which should be known to be false.
CMRE and XXXX XXXX XXXX, failed to respond to my previous validations letters.
CMRE and XXXX XXXX XXXX continue to report this inaccurate, false and misleading information in my file to XXXX and XXXX without validation of this alleged debt after received my disputes.
CMRE and XXXX XXXX XXXX did not supply me with the information I requested. I have demand that CMRE and XXXX XXXX XXXX to cease immediately reporting this false information in my credit file with XXXX, and XXXX and have asked CMRE and XXXX XXXX XXXX to instruct the credit bureaus to remove this false record from my credit reports which they failed to do so.
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| 03/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection agency CMRE FINANCIAL SERVICES has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.
I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with CRME or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.
Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) XXXX XXXX XXXX is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect.
This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
( 2 ) Terrorism offense.
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
The company has violated the following laws 1
5 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.
- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - XXXX usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.
- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
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| 10/30/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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The following letter was sent to the collection agency CMRE ( on XX/XX/XXXX ). It contains the letter I sent to XXXX XXXX XXXX after they deceived me with a Switch and Bait while awaiting care in their Emergency Dept. on XX/XX/XXXX.
The following is the letter I sent to CMRE.
CMRE FINANCIAL SERVICS, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX The debt you refer to is NOT VALID. READ LETTER BELOW.
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX Ca XXXX XX/XX/XXXX Re : your letters of XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX.
This matter is resolved. Your clerk, a XXXX/XXXX XXXX XXXX employee, on XX/XX/XXXX, at sometime between XXXX and XXXX XXXX, called me to Window 3 in the Emergency Dept. waiting room, and informed me that my visit that day would be free of charge. I took her at her word. This is classic Bait and Switch, and will be treated as such by me and my representatives. Your first letter of XX/XX/XXXX, stated that I may qualify for a full or partial discount. With an annual income of {$8000.00}, a full discount should be given, but when I called to request it I was brushed off and instead sent 2 more threatening letters, promising to send me to a Collection agency.
The following has also been forwarded to the Office of Governor XXXX XXXX XXXX XXXX, XXXX, American Hospital Association , Office of Civil Rights.
This incident is a Bait and Switch deception that XXXX XXXX XXXX deceived me with. On XX/XX/XXXX, I was in the waiting room of the Emergency Dept. at XXXX XXXX XXXX, XXXX XXXX, Ca. I had checked in with the triage nurse. I was in XXXX XXXX with XXXX XXXX ; this had been going on for some 8 days. With no health insurance, I had tried to live with it, but XXXX XXXX and XXXX caused me to visit an Urgent Care that day, which sent me to the hospital. After five hours of waiting, a XXXX XXXX XXXX clerk/employee ( the hospital is run by XXXX ) called me to Window 3. SHE CALLED ME ; I DID NOT REQUEST TO SPEAK WITH ANYONE! This was sometime between XXXX and XXXX XXXX. She informed me that my visit that day would be free of charge. I showed her my XXXX XXXX XXXX card, and informed her that I did not have XXXX XXXX XXXX ( which covers Emergency Room visits ). However, she reiterated that my care that day would be free of charge. I had been considering leaving the ED at this point, as at age XXXX I was so weak that I could no longer sit up, saw those with less pressing health concerns ( such as a XXXX XXXX in the XXXX! ) given a bed, and was extremely weak being unable to eat or even drink water without great pain. However, a mere several minutes after this XXXX clerk called me to Window 3, I was given a bed in the Emergency Dept. Since XXXX informed me that my visit that day was free, I decided to stay.
I was diagnosed with XXXX, a common problem for many over the age of XXXX. I received a XXXX with XXXX XXXX, XXXX XXXX, and a XXXX. The emergency physician, XXXX XXXX, XXXX, spoke to me for about 30 seconds, but at no point did he examine me!
Now here 's the Bait and Switch scenario. Some weeks later, while still recovering, I received 3 bills : one from XXXX for {$5800.00} ; one from XXXX XXXX XXXX for {$1000.00} ; another from XXXX XXXX XXXX for {$420.00}. ( This bill did not even state what it was for! I am assuming it was for reading the XXXX XXXX. ) These bills total to {$7200.00}! For a simple diagnosis at that!
CMRE, IN ATTEMPTING TO TERRORIZE ME REGARDING THIS BAIT AND SWITCH SCENARIO VIA XXXX, YOU ARE PARTICIPATING IN THEIR FRAUD AS WELL. FRAUD IS A CRIME, BOTH CIVIL AND CRIMINAL. I WILL NOT BE INTIMIDATED BY THUGS SENT TO TERRORIZE ME SO A GREEDY, FOR PROFIT HEALTH CARE COMPANY CAN BAIT AND SWITCH ME AND CHARGE OVER 4 TIMES WHAT XXXX WOULD PAY! TO REITERATE : XXXXXXXX XXXX EMPLOYEE INFORMED ME MY VISIT WAS FREE OF CHARGE FOR MY XXXX XXXX, XXXX EMERGENCY DEPT.
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| 02/10/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I recently inquired about making a home purchase with a lender. When the lender pulled my credit report, there were XXXX accounts showing up on my credit report that I did n't recognize. I was able to resolve XXXX with the agency reporting it on my credit but when I called the second agency, they were not so amicable nor reasonable.
The company was named C.M.R.E. and the collector was a man named XXXX XXXX at extension XXXX. He said that the account that they had on my credit report was for a doctor 's bill back in 2010. When asked why I was never notified about this debt by anybody he claimed that they had an address and phone numbers that do n't belong to me. He admitted that they had never spoken to me even though they have had this account in their office since 2010. I had to find out about this debt by looking at my credit report. Considering my husband and I have had our same cellphone numbers for 12 years, I thought that explanation by XXXX XXXX was very " fishy '' for the lack of a better term.
Because I had never been notified about this debt, I asked if I could pay this debt including all the company 's unfounded interest which happens to be as he put it " a balance after insurance payment '' in exchange for a removal from my credit report. At this point he said no and instead started quoting XXXX law as an excuse as to why not. Unfortunately for him I am familiar with the Fair Debt Collection Practices Act.
XXXX XXXX was also informed of my knowledge regarding this law specifically 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 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 ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Because he admitted that they had no initial communication with me, and because he admitted that they had the wrong phone numbers and address then he has failed to adhere to the F.D.C.P.A. by failing to validate this debt with me. By credit reporting it he has further violated the law for continuing to collect a debt that has n't been validated. Please look into this
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| 02/20/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Account # ( XXXX ) / or ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein heXXXXshe agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for CMRE FINANCE in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards [ : XXXX XXXX XXXX XXXX. ] cc Federal Trade Commission
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| 12/29/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I went to the emergency at XXXX XXXX in XXXX XXXX. The doctor saw me for less than one minute, gave me some medicine, and sent me home.
Then the doctor billed {$560.00} to my health insurance on XX/XX/XXXX. The insurance paid the allowance {$170.00} on XXXX and notify me about their claim and also that I dont have any responsible to pay the difference. But the XXXX XXXX XXXX XXXX started to bill the difference {$390.00} on XXXX with shown my patient account, date of service, doctor name and shown insurance paid {$170.00}.
I send a letter and notify them that I am not responsible for paying the difference amount and stop the billing. But they keep billing so I called my insurance. The agent from insurance called the XXXX XXXX XXXX group. We even had three way phone call and the insurance agent explain to her the allowance {$170.00} already paid and the patient dont have any responsible for the difference. But they keep billed me every month.
Eventually, I sent the difference of {$390.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX and they deposited it on XX/XX/XXXX. I sent it because I appreciated the doctors and first responders that were on the line during the pandemic since those were dangerous times. Then, they changed the billing amount to {$170.00} on XX/XX/XXXX and kept billing me so that I am responsible for the entirety of {$560.00} even though my insurance has paid for {$170.00} and I have paid for the {$390.00}. The XXXX XXXX XXXX XXXX has billed me monthly from XX/XX/XXXX to XX/XX/XXXX even though the entire balance has been paid for already. I have lost my respect for this organization because I feel that they are mistreating patients, try to bill the old patient incorrect amount and try to ripe off the patient went to Emergency service. I thinking that might be the fraud and I dont reply to them. They keep billed monthly until XXXX.
I received a letter from CMRE Financial Service Inc, the debt is $ XXXX XXXX {$170.00}. I wrote the first letter dated XXXX to CMRE Financial Service to indicate the insurance already paid for {$170.00}. And CMRE Financial Service Inc responsible for contacting XXXX XXXX XXXX to correct the mistake and I will charge {$10.00} for each document if they request plus {$10.00} for each letter I reply to them. I dont have any responsible for their incorrect billing and their mistakes. I have lost the respect and appreciation to the XXXX XXXX XXXX so CMRE Financial Service and XXXX XXXX XXXX XXXX need to refund back to me {$390.00}. I am charging {$10.00} for each time I send a document and $ XXXX of document if CMRE Financial Service request since they are using my resources and my time to correct their mistake. They keep calling to my home phone every day so I send out the second letter to CMRE Financial Service on XXXX. I block the number.
I believe that CMRE Financial Service Inc. and XXXX XXXX XXXX XXXX are colluding together to try and charge more from patients, patients need the emergency service, particularly the vulnerable and elderly patients. They are committing medical billing fraud which they might have done to other patients as well. I am requesting that an investigation be held to inspect their operations and requesting that their licenses, permits, certificates, registrations be revoked. Thats the medical billing fraud to my case obviously.
Besides, I request law enforcement emphasizes to control all the debt collectors need to investigate and understand the billing before they send out the letter for collection. Otherwise consumers waste their resources to response their mistake and their unprofessional task. Thats not unfair for consumers.
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| 03/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations.
Texas XXXX bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the XXXX and FDCPA.
Please reply with your response via XXXX MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 11/17/2020 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I went to the XXXX XXXX XXXX XXXX ( XXXX ) while traveling through XXXX, CA on XX/XX/XXXX. I wanted to get a XXXX on my XXXX, which I had sustained the day before, checked out. At the front desk, I explained the problem, assuring the receptionist that this was not an emergency, that I was not actively bleeding, and that I just wanted to have someone look at the XXXX. I specifically asked about billing, knowing that I did not wish to pay for emergency services, and she told me that I would not be charged for an emergency room visit. Had that not been the case, I would not have continued seeking medical attention.
I went to a back room. They took vitals, gave me a liquid bandaid, and told me it would not be a problem. They offered an antibiotic, which I refused. I was rushed through signing some papers, and then I left.
I then received a bill in early XXXX, XXXX for {$1900.00}, most of which was thankfully covered by insurance, leaving my responsibility at {$260.00}. The bill charges me for Emergency Room services.
I called the Colorado XXXX XXXX XXXX on XX/XX/XXXX and requested an itemized bill, which I didnt receive until XX/XX/XXXX. The itemized bill shows 6 separate charges for my visit, including {$110.00} for XXXX, {$130.00} for a XXXX lXXXX XXXX, and {$460.00} for a XXXX XXXX. That is {$710.00} just for a dab of XXXX glue! I was also charged twice for an emergency visit, level 2, and I was charged for the antibiotic I refused when offered.
I mailed a letter of dispute to XXXX on XX/XX/XXXX. I did not receive a response to this letter, other than a redundant copy of the itemized bill.
I was then notified of a collection on my credit report on XX/XX/XXXX. I called XXXX on XX/XX/XXXX, and after being transferred and hung up on multiple times, I finally got a hold of XXXX in billing, who told me there was no record of my letter of dispute on file ( which I find suspicious, because I did receive another copy of the itemized bill in response ). She told me to mail another copy. I pressed, and finally got an email address and a promise to confirm receipt of the electronic copy. I sent another copy of the letter of dispute, with an addendum, on XX/XX/XXXX, and I also sent an electronic copy. I did not get the promised confirmation of receipt.
The next day, XX/XX/XXXX, I called the collections agency ( XXXX Financial Services ), and I asked them to place my account under dispute. To the best of my knowledge, they did so. My credit score did not change, however, and it dropped about 200 points from when that collection hit.
I did, however, receive a letter from XXXX in the mail, dated XX/XX/XXXX. That letter said that they had received both my letters of dispute, and that they were not going to change their determination. The letter does seem to confirm that I was misled about the services I would receive : XXXX apologizes you were misguided in you ( sic ) would not be charged for an emergency room service ...
Ive been sitting on this for a few months, both because of the pandemic and because it is stressful to think about. I dont know what my next move should be. It doesnt seem like a self-evaluation by the clinic should be the last step in this dispute, but I dont know who to contact next. I dont want to be taken for a ride just because I was traveling through and I was seen as a target. Any assistance or direction you could provide would be a huge relief.
|
| 04/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/18 XXXX XXXX XXXX XXXX XXXX Re : Acct #???
To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe XXXX and XXXX to your company, This is a formal notice that your erroneous claim ( s ) is/are now disputed.
THESE ACCOUNTS ARE COLLECTIONS NOT REVOLVING LINES OF CREDIT I NEVR HAD AN ACCOUNT WITH THIS COMPANY THEY ARE TRYING TO REPORT IT AS I HAVE BEEN PAYING MONTHLY AND NOW ITS IN A CHARGE OFF STATUS REPORTING EVRY MONTH I NEVER OWED NOR PAID NOR ENTERED INTO ANY CONTRACT WITH THIS COMPANY.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you CMRE to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. CMRE must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for CMRE to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and CMRE. Providing that CMRE is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
|
| 07/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : 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 XXXXXXXX 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 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX 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 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 : CMRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
Hello, This is my second complaint against CMRE. I am filing a second complaint because I found their first response lacking and also a blatant lie. I will first list their response below and then describe why this is a bogus response.
" CMRE Financial Services , Inc. reviewed the consumer 's complaint and appreciates the opportunity to provide a response. We are handling ten accounts assigned to our company by our clients in XXXX and XXXX. On XX/XX/XXXX, the consumer informed us she found some accounts on her credit profile. Our representative went over the account details and provided the consumer with a discount to resolve the balance. The representative did advise the consumer that if the accounts were settled in full, then we would update the accounts as paid to the credit reporting agencies. The consumer agreed to resolve her account balances that day. The accounts were closed as settled in full on XX/XX/XXXX and updated as paid with a XXXX balance to the main credit reporting agencies we report to on XX/XX/XXXX. If the consumer needs any additional information, we can be reached at ( XXXX ) XXXX Monday through Friday XXXX XXXX to XXXX XXXX PST. '' This response is wrong for many reasons. For starters, they did not promise me they would report the balance to {$0.00}, they promised me a deletion of the accounts. Them saying otherwise is a lie not only to me but to you as well. Second, I don't need any additional information nor do I need to contact them. I need them to remove the accounts from my credit report as promised. The promise for a deletion is what ultimately enticed me to pay for these medical bills as otherwise I couldn't really justify paying {$3000.00} in a co-vid world even if the accounts were settled for a lower amount. I could be using that money to live. Work isn't any better and prices of everything keeps going up. Finally, why are they even reporting still? The accounts they are reporting are medical bills and the validating documentation they have to verify this debt was legitimate at one point is my personal medical data they no longer have any permissible purpose to have due to HIPPA laws since no more money is owed on the account and they are not a medical provider.
Do I really have to go through the motions to ask for validating documentation on these debts knowing full well C.M.R.E. can't provide them to me? Because doing so would mean C.M.R.E., and more importantly THEIR CLIENT, violated HIPPA law by allowing C.M.R.E. to maintain the itemization of the account with my personal medical data necessary to validate this debt after the debt has been rectified and no more money is owed. If I have to do so then I will, but then I will also send a copy of it to my attorney so they can serve C.M.R.E. and their client with a lawsuit for violating HIPPA. I suggest they simply give me what was promised and delete this account from my report. I also suggest you look into C.M.R.E. 's practices as promising something to a consumer in order to obtain their money is a form of coercion as well as a bait and switch.
|
| 08/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on X/XX/2017 & XXXX XXXX XXXX to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPS that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe XXXX $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act & Protection under the FCRA Section 623. I need this to be removed from my credit report due to this inconvenience. I have been trying to get this company to validate this debt. I have called this company multiple times, spoke with manager & before she could give me any info, she released the line in my face. I did receive all communication from this company & yes this company has marked this account as disputed on my credit report. however I asked to company to validate this debt bearing some time of contract bearing my signature but this company is only " verifying '' this debt by sending me a statement. Per the FCRA I am entitled to have the debt validated per my request. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. I have also attached all the communication from CMRE as well as the letters I sent to CMRE as proof that they are ignoring my request by only sending me a statement & no contract bearing my signature I have been requesting documentation from the company since XXXX of 2017. I have no choice but to make a few more complaints with the Attorney General as well as file a claim in small claims court that is near my local venue. I have all documents between me & CMRE and will use this as evidence that my request is not being fulfilled but yet still reporting inaccurately on my credit report. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. I sent a complaint through the BBB and this company CLOSED the complaint without giving any information of if they will be sending " validation '' for the debt & not a itemized statement.
|
| 05/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I was XXXX with XXXX XXXX in XXXX XXXX and subsequently had XXXX XXXX XXXX. I am a XXXX veteran, and my XXXX was paid for by the XXXX XXXX. Although I am a XXXX resident, I receive medical treatment at XXXX XXXX XXXX XXXX XXXX in XXXXXXXX.
Understandably, many of my providers sent their claims to a XXXX, XXXX XXXX XXXX, and the claims were denied because I am not a part of their sytem. However, I contacted those providers by phone and/or written communication to provide them the name and telephone number the claims needed to be faxed to.
XXXX XXXX XXXX XXXX XXXX was XXXX of the providers I called and wrote letters to explaining the proper procedures they needed to follow in order to receive payment. Despite my efforts, they did not follow through. This debt was placed with collection agencies and are reported on my credit report. Because of my illness, I have not been able to meet my financial obligations, but am now trying to resolve these issues.
Since learning of this problem with my credit report, I contacted in writing the collection agency that has this debt and explained the problem. They never responded to my letters. I have disputed the debt with all XXXX major credit bureaus, but the debt still remains on my report.
I have spent considerable time trying to resolve this matter ; making calls, writing letters, researching resources. After contacting XXXX XXXX XXXX XXXX XXXX by letter, I received a phone call from XXXX XXXX. XXXX XXXX informed me the XXXX still stands ready to pay this bill. Authorization remains in force and payment will be made as soon as the original claim is sent to her.
I again spent several hours over the course of the past two days trying to reach someone at XXXX to provide them the contact information for XXXX XXXX. I left a message to have them return my call, but have not heard from them to date.
I believe this debt should be removed from my credit report based on the above information. The XXXX XXXX from the very beginning was the responsible party for this debt. All other service providers who properly filed their claims have been paid by the XXXX. This erroneously reported information negatively affects my overall credit score, and I am working very hard to resolve my financial situation.
I had to retire from my position with XXXX XXXX XXXX after my XXXX and am now XXXX.
I spoke with an account representative at CMRE Financial Services yesterday and was told the original debtor has put their collection efforts on hold while they investigate the claim. I called XXXX yesterday as well, but noone has returned my call as of yet.
I believe I have done everything possible to resolve this situation with the parties involved, with no resolution. Please investigate this matter. You can contact XXXX XXXX at XXXX XXXX XXXX XXXX to verify that the XXXX is responsible for this debt, and that it will be paid as soon as she receives the original claim.
I can be reached at XXXX XXXX XXXX XXXX any time.
Respectfully, XXXX " XXXX '' XXXX XXXX
|
| 08/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I was XXXX at XXXX Hospital, XXXX XXXX, Florida, on Sunday, XXXX XXXX, XXXX and was discharged on Wednesday, XXXX XXXX, XXXX. On Friday, XXXX XXXX, XXXX, I paid my account in full in person in the amount of {$5800.00}. On XXXX XXXX, XXXX I received the official receipt from the hospital for full payment of my account.
On Thursday, XXXX XXXX, XXXX, I stopped at the emergency rooms, receptionist, specifically to obtain the address of XXXX XXXX XXXX, the XXXX who had attended to me while I was at the hospital. XXXX XXXX XXXX kindly gave me the address and had a friendly chat with me, including her personal background. I was not admitted, nor was I treated, and was assured that there will be no charge for this interaction. End of narrative.
On XXXX XXXX, XXXX, I was telephoned by the hospital 's account management operation in XXXX, that there was a balance on my account of {$230.00} for the emergency room interaction on XXXX XXXX, XXXX, for which I had been assured there was no charge. On pointing this out to the person I spoke with, and upon further checking, she agreed that there was a notation on the account to that effect, that is, no additional charge. Nevertheless, on XXXX XXXX, XXXX I received a phone call from XXXX in XXXX that was intimidating in tone and content, and claiming that an additional charge of {$230.00} was now owed. I was upset and disconcerted and wrote to XXXX XXXX XXXX XXXX, Chief executive Officer of the hospital, with a copy to the hospital 's Accounting Office, on XXXX XXXX, XXXX but received no reply from either.
To my utter astonishment, between XXXX XXXX, XXXX and XXXX XXXX, XXXX, I received several letters from various collection agencies with no identification of the services provided, demanding different amounts of payment from {$1500.00} to {$230.00}, and most recently, {$450.00}. On XXXX XXXX, XXXX My husband and I replied to CMRE Financial, disputing their claim of {$1.00} and also attaching a copy of our letter to XXXX XXXX XXXX XXXX. We received no response. In between, I received a letter of apology from the XXXX XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX, stating " We apologize for this error and the inconvenience this incident ( notice from a collection agency indicating balance due ) has caused ''.
As a last resort, we contacted the hospital twice, on XXXX XXXX, XXXX and XXXX XXXX, XXXX using the " Contact us '' feature on their website, detailing our aggravating story and have been harassed relentlessly by debt collection agencies, and requesting that the balance on my account be corrected and reflect the accurate amount which is XXXX. Both messages were computer-acknowledged but no response whatsoever was forthcoming.
This very stressful and protracted situation has been going on for more than three years with neither the hospital nor the various debt collectors taking any responsibility to respond and to fully correct the record.
We would be most grateful for your assistance in correcting this matter.
l
|
| 07/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
1. I had a doctor ordered XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, TX on XXXX.
2. I was given paperwork after the test at the hospital with instructions for a discounted rate of {$150.00} total as insurance did not cover this test.
Paperwork provided has XXXX XXXX XXXX on the letterhead and as stated in the instructions they are contracted with XXXX XXXX, XXXX.
Copies available.
First step -- pay XXXX XXXX XXXX {$110.00} at checkout. I did so.
Credit Card receipt available.
Second step -- PER INSTRUCTIONS -- to receive this discounted rate -- -within 14-30 days you must call XXXX.
I called this number numerous times and days. Calls are still in my phones call log.
Copy of Phone Call Logs Available.
I spoke to XXXX as well as other employees. I was provided the billing address of XXXX XXXX XXXX XXXX TX XXXX.
3. Paid XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX their {$34.00} via Personal Check ( which they cashed ) to satisfy the entire amount of {$150.00} ( {$110.00} to the Hospital and {$35.00} to XXXX ).
Cancelled check available.
4. XX/XX/XXXX received a past due notice from XXXX -- -first bill I received ever ( never should have gotten any ) for {$630.00}.
The full amount for the same test I already paid the discounted rate for ( {$150.00} ) after following all of their steps as instructed.
Copy of bill available.
5. Upon receiving the bill I contacted XXXX via email on XXXX. A follow up email on XXXX.
Emails available.
6. I contacted XXXX via phone on XXXX on a recorded line. They told me that this would NOT go to collections as the bill and been paid and that a HOLD would be placed on the account in order to remove it from XXXX billing accounts and that I wouldnt need to do anything.
Recorded call transcript available.
7. Then three months later on XXXX I receive an email from XXXX saying that my account dispute was resolved since the bill was already paid and they would reach out to CMRE to remove my account from collections.
Email available.
7. Then in XXXX of XXXX I receive a collection notice from a debt collector called CMRE from California attempting to collect a debt I DO NOT OWE -- -for a medical bill I ALREADY PAID -- -- in the amount of {$630.00} on behalf of XXXX XXXX .
Copy of collections letter available.
8. CMRE starts contacting DISTANT FAMILY MEMBERS ABOUT THIS DEBT. INCLUDING MY BROTHER IN LAWS PARENTS AND MY BROTHER IN LAW AT HIS WORKPLACE.
9. I contact CMRE and forward all info saying I dont owe them anything and then contact XXXX telling them to remove me from collections as they stated they would.
NO RESPONSE FROM EITHER 10. Receive yet another collections notice dated XXXX from CMRE -- - Copy available THIS TIME THREATENING TO REPORT THIS DEBT ( WHICH IS PAID ) TO XXXX AND XXXX AND PLACE IT MY CREDIT REPORT.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX COLLECTION AGENCY CMRE FINANCIAL SERVICES INC .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
|
| 01/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I saw that I had a new medical debt in collection with CMRE Financial Services and the Original Creditor : XXXX XXXX XXXX XXXX. I never received any bills, nor phone calls from either company. I called CMRE the same day asking them for the contact information to XXXX XXXX and informed them that I never received any bills. CMRE refused to provide the information and told me they made several attempts to contact me at an address and phone number I haven't had and lived at for over 10 years. The rep I spoke with attempted to collect the debt, but I refused because I needed proof of the debt first. I found XXXX XXXX 's phone number on their website, and made several calls, left messages, and sent emails, but I couldn't get through and no response. On XX/XX/XXXX, I called my health insurance company asking them if XXXX XXXX ever filed a claim with them for their services, and my insurance rep was not able to find any claims from XXXX XXXX. My insurance rep was able to put me on 3-way and called XXXX XXXX 's billing department on another number and was able to get XXXX on the phone. XXXX confirmed that they did not submit a claim because they did not have my insurance information. She also did not have the correct phone number and address for me. I asked who gave her incorrect information on me, and she let me know XXXX XXXX XXXX XXXX XXXX did. I knew this to be true because they gave the wrong information on me to all the medical companies that provided me service on XX/XX/XXXX. I had to call every single one that submitted claims to update my address and send me the bills. I even called XXXX XXXX XXXX asking them to make sure they update my information and send it to all parties that will be billing me, but apparently, they did not. I gave XXXX at XXXX XXXX my correct information and asked her to submit a claim to my insurance company. I asked her to take back the debt from CMRE and have them remove the collection from my credit report since I will pay the bill once I receive it. She told me she herself can not remove the collection until it is paid in full. I argued that it should've never went to collection in the first place since I had no knowledge of the debt and I want it to be completely removed. She told me she will take back account from CMRE, submit the claim for me, and will tell CMRE to remove the collection from my credit report. I asked her to send me that in writing that she will have CMRE remove the collection, and she said she would. I called CMRE to inform them and they told me they will only do what their client tells them to do. I filed disputes with all 3 credit bureaus, and still, no changes were made because CMRE reported back that information was accurate. As of today, XX/XX/XXXX, I still do not see a claim submitted to my insurance company. I still have not received any bills. No updates. Nothing.
|
| 11/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa XXXX.
|
| 02/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/XXXX I received a voice mail from CMRE regarding a collection. The phone they called from was a fake number from XXXX, OK XXXX. Upon calling the number it just went to voicemail. I went to their website and found an email and sent an email which bounced back and said wasn't a valid email. I then proceeded to call their XXXX number 4 times and could not get through.I finally found another number I got through on that is XXXX.
On XXXX I received an alert that a collection had been placed on my credit for {$3800.00} from CMRE. I immediately called and talked to a XXXX on the phone. She kept wanting me to confirm on the phone that I had received the bill 4 times. I haven't. I hadn't even heard of CMRE until the the XXXX of last month. I told XXXX that I wanted a full detailed description of the collection which she seems reluctant to send me and hung up on me on the phone.
I had a XXXX XXXX in XXXX of XXXX at XXXX XXXX in XXXX Oklahoma. My insurance company had approved the XXXX. My part was supposed to be {$2400.00} until XXXX tried to charge me the entire amount of {$60000.00}. I immediately contacted the insurance company I had at the time and they were trying to get out of the agreement. A {$60000.00} collection hit my credit and not until I promised legal action and contacted to XXXX XXXX XXXX was the issue finally handled. The original collection come off my credit and the balance of the {$2400.00} was forgiven due to the fact that the insurance company gave the hospital the run around.
I can't remember who the original collection agency was as it is not on my credit anymore. CMRE has not sent me any correspondence regarding this collection which is now on my credit. I have zero problem with paying a bill. I'm paying for my past mistakes. I do believe this is a fraudulent collection that I have never been contacted over and has now hit my credit. I have disputed the collection with the credit bureaus but do not want to go down this road for the next year fighting a collection that I have never known about. I want CMRE to do the right thing and contact me and send me the itemized list of the collection and to immediately remove the collection from my credit report. They say they just obtained the collection in XXXX of XXXX. I do not feel this collection is valid and unless someone steps in I will continue to have this collection on my credit. If I owe it great, If I don't owe it that needs to be addressed too. However, me just finding out because a collection hits my credit is not acceptable either.
Thank you for your help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX CMRE Financial Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX
|
| 03/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
Dear CFPB, On XX/XX/XXXX I was hospitalized for a procedure at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX operation. My entire stay in the hospital was less than 2 hours and half hour of that was taken to fill out the paper work. The insurance company XXXX did not pay the hospital bill for the following reasons : On XX/XX/XXXX the XXXX XXXX XXXX XXXX wrote to me ( document in my possession ) : you are not responsible for all the related costs.
My insurance company XXXX XXXX refused to pay the hospital bill ( see Exhibite A ) CMRE a collection agency bought my case from XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX received judgement against me to pay them about {$22000.00} ( the total hospital charge was {$14000.00} ). I lost the case because I was representing myself. On the same day I appealed the case and hired a lawyer with name XXXX XXXX XXXX to go to the appeal court in my absence, as I was out of the country. The lawyer missed the appeal court and I lost the case On XX/XX/XXXX, CMRE the collection agency started a motion against me to extend the judgment for 10 more years and claimed total of {$41000.00} including interests. Fortunately the judge discovered that they were wrong in their calculation as they were calculating % 10 interests on the combined judgement and interest which resulted about {$6000.00} over charge and the judgement was reduced the debt to {$35000.00}. This made me think that they have used the same wrong calculation for a lot more people ( this collection agency is a big company ).
On XX/XX/XXXX My lawyer XXXX XXXX wrote to them and made an offer of {$5000.00} for the settlement or he would go ahead and file suit againg the medical provider for fraud and negligence.
CMRE has put a lien on my property.
As my lawyer missed the appeal court I complained against him to the Bar Association and after 3 years Bar decided to suspend the lawyer license as there were 10 other cases against him.
I would request that Consumer Financial Protection Bureau for a solution and/or a dialog with CMRE to come up with a settlement agreement so I will be able to pay base on my ability.
EXHIBITE A There has been inconsistencies and excessive billing which raised questions about the validity of records provided by the hospital.
The hospital in their appeal to the insurance company did not provide additional information insurance company requested to support the billed services.
The type of XXXX was XXXX but the XXXX orders states that the type of XXXX is XXXX The history and physical states that the patient is currently on no XXXX. However the XXXX XXXX XXXX checklist and XXXX XXXX XXXX states that the patient presently takes XXXX, XXXX and XXXX.
|
| 01/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
Email to CMRE dated XX/XX/XXXX : Dear Ladies and Gentlemen, I am referring to the call on XX/XX/XXXX when I spoke to you regarding the above mentioned Account.
On this occasion I have been giving your customer service representative insight into the following circumstances : - l have been visiting the US as a tourist, - That I informed hospital staff that I would not be able to receive correspondence at the address you and they have on file as I was a visitor there, - and having in return been informed by staff that no further payment will be required, as the {$300.00} paid by myself was the standard flat charge for international visitors to the US.
Based on this information, your service representative informed me, that the case will be placed into a dispute status and will be reviewed by a senior manager.
Please let me know the outcome of this review.
Email dated XX/XX/XXXX Dear Ladies and gentlemen, Referring to the account stated in the subject, I have tried to pay my bill 8 times.
Again, I am not as US citizen, do not have a US address and the address you have on file is that of a friend I visited.
After it being declined numerous times online, I spoke to one of your customer service colleague. They told me the issue was with my card issuer.
I called XXXX XXXX subsequently, who added the US address you have on file to my account temporarily. Still, the charge is being declined by you.
As you can tell, probably also from your records, I am very much trying to settle this matter, however, it almost appears that CMRE does not want me to pay!
However, after multiple and very costly international calls at {$2.00} a minutes, multiple attempts to pay online, multiple email and multiple call to my card issuer XXXX XXXX, I do feel that I have tried all available options without any success.
I thus feel that I have done my due diligence in trying to settle this account.
Therefore, I would ask you to contact me with a proposal on how to settle this account.
Please contact me within the next five business days either using the phone number below or by responding to this email.
Phone : XXXX XXXX XXXX Please note that, should I not receive a response within five days, I will make the effort for another few costly international calls XXXX the US to file a formal complaint with your client XXXX XXXX XXXX , XXXX XXXX XXXX, your regulating authority as well as directly yourselves.
The letters received by CMRE at my friends adress are uploaded as attachments. The first letter came out of the blue as I was completely unaware that I had any debt due to the statement the hospital made about a flat charge for international visitors.
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
THE COMPANY, CMRE FINANCIAL SERVICES , INC, PURCHASED A DEBT FROM DELETE FROM MY REPORT, BECUSE THIS IS FRAUDULENT AND MISLEADING INFORMATION THAT IS ATTACKING MY CHARACTER AS A NATURAL PERSON AND CONSUMERS. COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX XXXX and that is the Consumer Financial Protection Bureau. On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Also, according to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your XXXX XXXX services could fax, mail or email in a fraudulent account.
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a XXXX XXXX and any demand for payment of such is an attempt to extort and administer property without right.
|
| 06/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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In XXXX of XXXX I took a medical leave of absence from my job. Knowing this would involve several months as an outpatient, my physician and I were careful to select a reputable IN XXXX XXXX - XXXX XXXX XXXX XXXX. At the time, I was fortunate enough to have top-of-the line insurance through my employer. This gave me many options for treatment while staying completely IN XXXX
For over 2 months I attended daily sessions at XXXX XXXX, billed to insurance. I completed the program and life moved on.
Fast-forward to XX/XX/XXXX, when I pulled my credit to find 2 collections from CMRE Financial reporting to both my XXXX and XXXX reports. CMRE lists XXXX XXXX as the Original Creditor on this debt, which makes no sense. Not only did I select XXXX XXXX precisely because of its in-network status, but I was ON SITE DAILY, ambulatory, talking to staff, actively engaged in my own treatment planning. No bill was mentioned then, or since ( I have lived at the same address for XXXX years ).
I was annoyed but thought it would be no big deal to clear this up. Thus began a several months-long odyssey of disputing, writing CMRE, calling my former insurer, etc., all to learn NOT A SINGLE THING about a debt that has apparently been affecting my credit for over 4 years. So far I have : >Disputed to XXXX and XXXX ( XX/XX/XXXX, see attached ) >XXXX verified both items.. XXXX verified one. ( XX/XX/XXXX & XX/XX/XXXX. No explanation. ) >Mailed letter directly to CMRE Financial requesting information ( XX/XX/XXXX, see attached. No response ) >Re-disputed the CMRE entries to both bureaus, attaching my aforementioned validation letter to CMRE. ( XX/XX/XXXX ) >XXXX and XXXX promptly verified these items yet again. ( HOW IS EVERYONE BUT ME, THE ALLEGED DEBTOR, ABLE TO VERIFY THIS DEBT?!? ) >Finally, XXXX XXXX I called my former insurance company even though it has been XXXX years since I lost my policy with them after being laid off. Unsurprisingly, they don't keep old records around pertaining to previous members.
TO THIS DAY I HAVE NOT HEARD ONE WORD FROM CMRE FINANCIAL. And the kicker? This company I had never heard of, much less entered into an agreement with IS CHARGING INTEREST ON DEBTS THEY HAVE NEVER COMMUNICATED I OWE!!! The original mystery bills of {$320.00} and {$470.00} have now ballooned to {$430.00} and {$630.00}, respectively.
It pains me to think of the thousands of Californians they have extorted by parking unsubstantiated debts on credit reports.adding interest and just waiting for their victims to apply for a loan. Shame on them.
|
| 05/01/2020 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a bill from CMRE Financial Services , Inc. stating I owed {$95.00} for services provided by a radiology company. There was no date of service on the bill so I could not verify it was charged to me appropriately. I had received radiology services on a couple occasions and one was my responsibility and one was not. I sent in a protest to the bill and asked for sufficient detail to determine if the charge was fraudulent. My suspicion was that they were withholding information in the hope that I would just pay the amount simply because it came from a collection agency. In their response to my letter they provided the service date which confirmed it was not my obligation.
I called CMRE to verify that they did withhold this information in their first communication. Before answering the phone they indicated the call was being recorded. My first question to the representative was if I could get a copy of the phone call recording. He indicated he did not know and did not attempt to find an answer. He hung up on me rather than answer my question definitively. I called back and asked for a supervisor. I explained to the person answering the phone ( XXXX ) that I was upset that the initial contact did not include the date of service, but I wanted to give CMRE a chance to explain why they withheld this information, or point out to me if the information was in fact included and I simply missed it. I reached a supervisor and explained this request. Before answering my question he requested some personal information, even though they identified me via phone number and I confirmed it was correct. Before providing the information, I asked the supervisor if, after providing the information, he would be able to answer my question. He would not respond to this query. The call ended.
I then called the CMRE compliance hotline on their website. A person answered without identifying themselves. It was a simple " hello '' as if I had reached a personal phone line. I called back and was sent to voice mail and the person answering did not identify their association with the hotline.
This brings me to your board. I'm concerned CMRE is sending out incomplete information in hopes of bluffing people into paying bills. I think you should require CMRE to include all information necessary for their targets to determine if their bills are accurate. I will contact the radiology company directly and inform them that the bill they gave to CMRE was not my responsibility. I also inform them of CMRE 's deceptive billing practices.
|
| 09/14/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
This complaint is regarding CMRE Financial Services : Collections Acct. # XXXX for the amount of {$270.00} and Acct. # XXXX for the amount of {$370.00}. And any other collection they have placed on my credit report.
The collection agency fraudulently put the above collections on to my credit report. I have disputed the charges. [ See exhibit XXXX ] My dispute ... Their response ; sent to me from CMRE. They have been unable to send me any bill from the institution that they say they represent. I have always maintained medical insurance. My insurance has always paid over the amount that the service was worth. If these charges are for medical services, they are 1. Fraudulent, 2. For services I did not receive, 3. Services that I did not agree to or want but I was charged anyway. There is so much fraud in the Insurance /Medical/Collection agency field ... It does so much damage to people, and their credit.
The fraudulent billing practices of the medical institutions, and the people who work at these institutions along with the collection agencies they hire, give them the ability to extort money from the public by having all your private information which facilitates the creation of bills that go to their collection agencies like CMRE which then ruin your credit. The fraudulent actions of CMRE, are keeping me and a lot of other people from refinancing.
See Exhibit B, Mortgage Company wants to pay CMRE, before I can refinance to a lower rate. The Mortgage Company explains it by repeating ; 'it 's the XXXX Selling guide '' that is to blame and they have to follow those guidelines. They are insisting that these accounts be paid. This demand is based on hearsay information for charges that CMRE put on my credit report. They are fraudulent, further it represents insurance fraud by the person who created this collection account, who has partnered with CMRE to get extra money from people for a service that has already been paid for by insurance or for services not rendered. These charges have not been adjudicated by going through the court, to produce a lean.
It is unbelievable that this Company CMRE can nickel and dime Americans, they have such easy access to our Credit reports and can hold us hostage with no proof of a debt. CMRE can keep the American people from refinancing, or just do this type of damage on a fraudulent whim. It is exactly like racketeering. I want these collections removed from my credit report and the Mortgage Company notified that this issue has been resolved.
|
| 11/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from CMRE Financial services. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing a copy of my credit report, I noticed a collection five accounts placed on my credit report from CMRE. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
|
| 10/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX {$380.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX {$380.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 06/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have 2 collections on my credit report that I would like removed. Requested TO CMRE FINANCIAL SERVICES by certified mail with no RETURN response to send me information as listed in this message.
CMRE FINANCIAL SERVICES claims my medical bills were not paid. Medical Insurance paid this claim. I am on medicare and have met my deductible with no additional copay needed.
CMRE FINANCIAL SERVICES claims I own on 2 collection accounts for the sums of {$1300.00} on XX/XX/XXXX and {$590.00} on XX/XX/XXXX totaling {$1900.00}.
Sent letter to CMRE FINANCIAL SERVICES certified mail demanding information as listed below..
CMRE FINANCIAL SERVICES C/O XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, CA. XXXX ( XXXX XXXX XXXX Re : Acct No. XXXX To Whom It May Concern : I am writing this letter in response to the credit collection and follow up letter received from you on XX/XX/XXXX and phone call made to you on XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation, to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
|
| 11/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
**THIS IS NOT A DUPLICATE COMPLAINT** This is a SECOND ATTEMPT because this company has failed Federal Trade Commissions guidelines of what constitutes proper debt validation** I have previously sent two requests to validate this alleged debt on XX/XX/2018 and XX/XX/2018 under the Fair Debt Collection Act and all I received was a two statements of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have contacted XXXX XXXX XXXX XXXX and they do not have any record on file. They are still reporting this alleged collection on my credit report, which is considered a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. THEY HAVE ALSO FAILED to provide me the following and I demand the following immediately based on my rights under FCPDA. What the money THEY say I owe is for : Explain and show me how theycalculated what they say I owe them : Provide me with copies of any papers that show I agreed to pay them what they say I owe : Provide a verification or copy of any judgment if applicable : Show me they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : They should also be aware that reporting such invalidated 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 all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if they do not immediately remove this account from my credit report, they are subject to another {$1000.00} fine, plus punitive damages. I am sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from this company within 15 days followed with additional complaints to the XXXX and the Attorney General of Texas.
|
| 04/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
There is a bill from the XXXX XXXX visit. At the time of the visit, I was XXXX and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX XXXX. So, I was residing in a confidential shelter. I qualified for XXXX XXXX offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau.
MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX on XX/XX/XXXX. The inquiry referenced your complaint regarding your XXXX XXXX ( XXXX ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX.
Treviewed the physician 's dictation from this visit which mentions " patient is residing in her XXXX ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, CMRE Financial Services, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from CMRE is forthcoming to confirm this information and will be mailed to the address listed above. You can contact CMRE directly at ( XXXX ) XXXX if a letter is not received within 2 weeks.
Please note we consider this account to be resolved.
Regards, XXXX XXXX.
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
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Hello! Back in XX/XX/2020, I noticed that there was a collection account on my credit report. There was not only one, but two debt collection accounts from the same company. I myself do not know or understand anything about debt collections. But when I was on the XXXX credit bureau website. I went on and decided to dispute the debt collection company CMRE Financial Services INC on the website. XXXX claimed that the debt was valid, but never sent me any evidence to support this claim. Being though I again, do not fully understand the whole thing about debt collection ; I went on and paid the debt collections, without any proof from XXXX or CMRE Financial Services INC. I have never even received an invoice or any documentation from the debt collector, about the accounts. My first contact with these accounts was when I looked at my credit report and seen these negative marks on the credit report. When I paid them off in XX/XX/2020. I started to receive multiple debt collection accounts from many different collectors. I knew now, that there must be some type of issues concerning my information. It wasn't until I received a letter stating that my Personal Health Information may have been exposed. I knew for sure, that all of these letters from various debt collectors were fraudulent. I have contacted CMRE Financial Sevices INC, to let them know that, the debt collections they issued me, was definitely fraudulent information. I know for sure, that I paid them under false pretenses. And that the debt they are saying belongs to me is simply not true. I sent multiple letters to XXXX and CMRE Financial Services INC, by certified mail, asking them to reinvestigate the legitimacy of these debts owed to CMRE Financial Services INC. I'm a single mother and an essential worker for the USPS. All I ask is for CFPB to investigate CMRE Financial Services INC, and have them validate the debt that they are saying is mines. I have paid both debts in XX/XX/2020 in the amounts of {$700.00} and {$570.00}. I only ask for a refund and for the negative debt accounts to be deleted from the three credit bureaus. This saddens me, that people can put any type of information on consumer credit reports, without real physical proof of validation. This is something that needs to be changed and updated. I thank you, for taking the time to read my report and any info that you shall need from me will be provided. Thank you!
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| 04/05/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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In XX/XX/XXXX I had an outpatient procedure at XXXX XXXX XXXX. I got a bill from the out patient facility, XXXX XXXX XXXX and from XXXX XXXX XXXX.
On XXXX/XXXX/XXXX, I called and spoke with XXXX XXXX XXXX because there was an error in the insurance billing and I had already paid a portion of the bill when I had the procedure done. I spoke with XXXX in customer service at XXXX and he said he was putting the bill on hold until they could sort out the insurance.
Around XXXX and XXXX I called XXXX to check and they were still working on it.
On XXXX I got a letter from CMRE XXXX. On Monday XXXX/XXXX/XXXX I called XXXX again and they said they had sent a bill and the insurance was corrected. I said I never got a bill. I called BCBS while XXXX was on the phone, verified the insurance and billing were correct and immediately paid the bill with XXXX. I got the payment confirmation number and immediately [ XXXX/XXXX/XXXX ] called CMRE explained the situation and gave the representative the payment confirmation number. They assured me it was n't on our credit and said they would close the file. I pulled my free credit reports and verified nothing had been reported.
On XXXX/XXXX/XXXX I get another call from CMRE and they are attempting to collect this debt again. I again gave them the payment confirmation number and explained what had happened and that I had already called them with this information back on XXXX/XXXX/XXXX. The representative was very rude and dismissive and hung up on me. I called back and asked to speak with a supervisor and was told there was no one available and before I could say anything put into a voice mail box. I called back again and was asked for my information and push right through to the same agent who said, " I 'm not speaking with you. There is a process and I will verify if you made the payment when I can! '' and then hung up. I tried calling back several more times to speak to someone who could help and I kept getting pushed to voicemails or thrown into their phone system to push one to talk to so and so ... .etc..
I then called XXXX and let them know what was going on. They said since I made the payment online/over the phone there are 2 different payment systems and sometimes this happens where XXXX is n't notified. I asked again for a supervisor and spoke with XXXX XXXX who apologized and said that she would call CMRE and verify payment today.
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| 09/20/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subs
ection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 09/30/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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I owed a bill to the hospital for my son. I contacted their billing office and set up a payment plan. I paid the first payment in that amount. Every payment after that was more than the set amount. After 3 month I received XXXX messages identifying the caller as the hospital, telling me to call about my account. There were " concerns ''. When I called the number, I was told my account was in arrears. I asked how that could be since I had set up a payment plan and I had paid over the amount since it had been set up. The person I spoke with said they had no record of that payment plan, but no matter ... they could set one up now. They set it up for {$42.00} a month. I continued to pay {$100.00} a month until the final payment of {$77.00}. I then received another bill for {$100.00}. I knew I was paid in full. I received another bill. Worried that I was mistaken and trusting ( stupidly ) I would be reimbursed if I overpaid I paid another {$100.00}. Two days after it cleared I was turned over to collections. I 've called and argued. They say they never received checks in XXXX, XXXX or XXXX and they want cancelled checks. I printed them, but with my bank account on the check, wanted to walk into a physical office rather than fax, so I went to call the number again and noticed that when my bills changed XXXX from XXXX to XXXX ... after the phone calls ... XXXX the phone numbers were different. I called the local one on the old bill and got the very polite XXXX billing office. She said my account was paid in full and I was an excellent payer! No, I was n't turned over to collections! Why would I think that? I consistently paid more than we agreed? This woman was as nice as the other XXXX were rude.
She also informed me that she had no knowledge of this other number and NO ONE did their billing but her office!!!
I have been scammed. She gave me her name and number at XXXX XXXX XXXX Hospital.
I called the other number back and confronted them. I accused the person who answered ... it is never the same person ... of scamming me and he claimed they represented different hospitals and I informed him XXXX XXXX just told me no one represents them. He said that 's not true and he would call her. He did scramble on the phone for awhile when I asked for a physical address of his business.
It is XXXX XXXX, CA XXXX ( or so he says ) The number I 've called is XXXX
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| 10/24/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 01/27/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( CMRE ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
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| 09/13/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 03/08/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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on XX/XX/2021, i sent 5 letters to cmre financial for the alleged debts of {>= $1,000,000} certified mail/RRR, this is one of the letters below and the others will be attached as well : CMRE FINANCIAL SERVICES , INC ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX OF Alleged Original Creditor Account Number : N/A Debt XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$1100.00} Dear CMRE FINANCIAL SERVICES , INC AND XXXX XXXX, XXXX. XXXX, AND XXXX XXXX : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
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| 08/14/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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The company has asked that I pay a debt for { {$140.00} } & { {$540.00} } from some healthcare centers in CA that I have never heard of! Upon repeated requests for such they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, CMRE keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : Accounts # XXXX & XXXX, ( < -- - YOU ARE ALSO DOUBLE REPORTING THE SAME ACCOUNTS TO MY CREDIT REPORTS NOT ONLY ONCE BUT TWICE!!! ) { {$540.00} } AND Accounts # # XXXX & XXXX { {$140.00} } Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX. XXXX This companies reporting the same debt twice on my XXXX & XXXX credit reports, ( XXXX deleted them due to XXXX noticing the ILLEGALITY of their reporting and made me aware of the activity and advised me to check my other credit reports! ). They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it.
I have filed a lawsuit for total damages of {$18000.00} as well as filed a complaint with The XXXX and The CA State Attorney General 's Office
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| 11/20/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX, I went to XXXX XXXX XXXX Hospital because I suffered from XXXX. Upon checking in, they informed me the machine they have that tests that was broken. So I immediately checked out and went to a different ER.
I received a bill from XXXX XXXX XXXX Hospital on XXXX for {$100.00}, since that was my emergency room co-pay with XXXX after what they contributed, which I promptly paid. That was the end of that.
At least, until the morning of XXXX/XXXX/15 when I received a call from CMRE Financial Services stating I owed {$130.00}. This was complete news to me as for over 2 1/2 years I heard nothing more about this.
They informed me that XXXX XXXX XXXX XXXX XXXX sold them my case back on XXXX/XXXX/13. That they 've sent notices to XXXX of my addresses and interest had been accumulating on it.
Instantly a red flag was raised because both addresses they told me were obviously wrong. XXXX XXXX XXXX Hospital always had my right address and that 's where the doctors would pull it from. So why would they have been provided XXXX incorrect addresses?
And why would I be charged interest on an illegitimate charge I was never notified of? This is literally illegal.
The charges were broken down to me as follows : {$300.00} - total charge for exam {$100.00} - night fee charge {$400.00} - total {$290.00} - XXXX paid {$100.00} - my balance {$25.00} - by % 10 of interest {$130.00} - total I oweRed flag number 2 goes up. If my emergency room co-pay is only {$100.00}, why did XXXX charge me more? Also, why did n't XXXX send me an itemized statement of what they contributed like they did for all my other treatments?
Red flag number 3 : the tests that CMRE said were performed on me never were as the machine was broken and there 's a record of that.
Red flag number 4 : The hospital always had my phone number, why did CMRE never attempt to call me in 2 1/2 years time?
Red flag number 5, CMRE had no address or phone number listed for this billing agency. And when I called XXXX XXXX XXXX Hospital, they said they 're not based out of there and there was no way to reach them ( except by a lead on a phone number that does n't seem to be working ).
Turns out it 's a scam and CMRE was complicit in insurance fraud and bilking me on interest charges on a charge that never existed nor was I notified of.
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| 06/10/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have made 2-3 attempts to obtain information regarding a debt managed by CRME FINANCIAL in the amount of {$790.00}, alleged date of service was in XXXX of XXXX, creditor allegedly listed as GA XXXX XXXX XXXX First call from myself was made in XX/XX/XXXX to CRME XXXX The representative refused to tell me who the ORIGINAL creditor was or how to contact them. A XXXX search was futile with regard to locating LISTED creditor. Representative went on to state that " I don't have to tell you anything other than that you owe the money. '' Not only was I covered by medical insurance at time of stated sI have filed two disputes with XXXX, both of which resulted in the collection being " accurate ''. I called XXXX in XXXX as well to report my experience and ask for the original creditor information. XXXX representative stated " We only have CRME FINANCIAL listed and a phone number for them. '' I told the representative that CRME refused to supply the requested information. I was then offered the chance to file a dispute via phone which I did. The dispute resulted in the collection being found accurate once again. I contacted XXXX for the second time today, XX/XX/XXXX in an effort to obtain original creditor information again only to be met with the same response and offer as the first time. I took the offer to file another dispute by phone and told the representative that the collection agency is unlawful and has horrible reviews by consumers who claim that this agency files false claims, refuses to assist in resolving debt and is only interested in taking money. Some consumers claim that they still received calls to collect monies for debt that had been paid in full! I have contacted the only hospitals I've been to in my city, neither of which reported an outstanding bill for services rendered in the stated year or any other, for that matter. I have also contacted the insurance company I was covered by that year, and they have no claim filed by for the XXXX OR XXXX of XXXX by a radiology company. This is ridiculous. I am trying to buy a house! This company should be shut down, or investigated at the very least. Why will no one help me? If I owe a debt, I resolve it. Being given the runaround is absurd, especially in this case. This is my life! I am a registered nurse and pay taxes. I'm appalled.
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| 07/12/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I had XXXX procedures performed by California XXXX XXXX XXXX XXXX.
The charge for the first procedure was {$240.00}, which insurance did not cover.
The second charge was for {$420.00}, for which there was an insurance adjustment of {$340.00}, meaning we had responsibility to pay {$78.00}.
Between the XXXX procedures, I had a balance of {$320.00}. I paid that balance in full on XX/XX/XXXX via California XXXX XXXX XXXX XXXX XXXX XXXX at cmi.mypatientfolio.com. The confirmation number for my {$320.00} payment is XXXX.
At that point, we had a {$0.00} balance. We have not subsequently incurred any further balances with California XXXX XXXX XXXX XXXX. In fact, their patient payment portal shows our {$0.00} balance.
On XX/XX/XXXX, we received notice from a debt collector, CMRE Financial Services, that we still owed {$240.00} for the first procedure on XX/XX/XXXX, plus an additional {$0.00} interest, for a total balance of {$240.00}.
On XX/XX/XXXX, we contacted California XXXX XXXX XXXX XXXX. They confirmed we had a balance of {$0.00} and said that theyd contact XXXX to have this debt removed from collections.
On XX/XX/XXXX, we received another notice from CMRE Financial Services informing us they were trying to collect {$78.00} for the second procedure.
Not realizing wed already paid the {$78.00} balance, we mailed a check ( check # XXXX ) for {$78.00} on XX/XX/XXXX that XXXX cashed XX/XX/XXXX. At that point, XXXX actually owed us the {$78.00} we overpaid. ( XXXX : that balance remains outstanding. ) In XXXX, XXXX contacted me by phone ( I dont have the exact date ) attempting to collect the {$240.00} they said we still owed. XXXX wed already paid, I asked them to verify the debt.
Yesterday, XX/XX/XXXX, we received a notice from XXXX saying they have reviewed the details and discussed [ my ] dispute with the creditor. They included documentation that shows the original amount of {$240.00}, to which no payments or adjustments have been applied.
Suffice to say we have ample documentation of everything in this complaint, including bank and credit card statements, a canceled check, Explanation of Benefits letters from the insurance company, screenshots from the XXXX patient payment portal showing when the bills were paid, phone records, and more.
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| 01/30/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020CMRE Financial Services Inc.
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I was recently contacted via phone ( an initial contact ) by a member of CMRE Financial Services Inc. who was incredibly rude and short with me on the phone. It was only after answering the call and my confirming my name and identity with her that I asked if she would now do the same for me. She would not ; refusing to identify herself, not by name or by ID number, wouldnt give me any explanation as to who she was or why she was asking me for my personal information ( shed asked for my name, address and telephone number ) but couldnt understand why I wouldnt give her the information, even after I explained ( and in a calm tone ) that with all due consideration, she had contacted me, and without her giving me any information as to who she was, I wasnt just going to offer up to a complete stranger and over the phone, after she had called me, and from a number that I didnt recognize or know. XXXX then became belligerent and told me to call back at the number on my telephone when you do want to give it ( my information ) to me and she then hung up on me. Her attitude and tone was Rude. Abusive. Unprofessional. Most importantly she was totally out of line as her actions are entirely undeserved and unnecessary I do not know who XXXX XXXX XXXX XXXX. is. Nor, do I believe I have EVER had any services done by them. NEVER. I would have told her that on the phone directly had she bothered to provide me with any information as to who she was calling from and what she was calling about.
It wasnt until the following day that I received your letter in the mail that outlined this supposed debt I allegedly owed first to XX/XX/XXXX XXXX. and now that theyd transferred the debt for collection, I owed the debt to CMRE Financial Services Inc. - again, both are companies I have never heard of nor have I been contacted by previously. The debt to which you make reference to is one that I do not recognize, do not believe that I owe neither do I owe it to them or to you.
Please check your records, let me know your findings, but in the future, when necessary for you to contact me do so only via USPS mail.
Sincerely, XXXX XXXX cc CFPB
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| 04/15/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX CMRE. XXXX XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This company waited the full 60 days, to the day ( XX/XX/XXXX to XX/XX/XXXX ) to submit feedback- which is false information.
First, I want to address how they said my balance was from prior XX/XX/2019 - I wasn't even at my first XXXX appointment until after that date, so this definitely is incorrect.
I am also attaching another EOB showing a claim my insurance denied- I do not have to pay for balances denied by my insurance so if this is what they are trying to collect that is illegal. This entirely situation is shady and unethical. I had XXXX as primary and XXXX as secondary - which is why my letter from the doctors office showed XXXX would finalize any outstanding balances and my ledger was to be {$0.00} at all times.
XXXX covered retroactive balances. I was not billed for any balances, and the office had notification and gave me a confirmation letter I did not owe any balances and would not in the future owe balances because I had XXXX coverage. Sending my account straight to collections without billing me in XX/XX/2019 was also referred to send to XXXX for coverage, which they failed to do. They shouldn't be sending accounts straight to collections agencies, despite knowing XXXX is covering balances- this is absolutely unethical and unjust. This balance is absolutely incorrect and falsifying information. I sent proof, and am attaching it again, from the office I owed {$0.00}. I have done everything I needed to do for my coverages and balances, it is not fair to make up an amount, ignore insurance, not bill properly and directly harm people.
The company is ignoring my previous writings to send the amount to XXXX, which said they would retroactively cover balances 3 months prior to XX/XX/2019. They also admitted to receiving my collections account in XXXX - XXXX bills were ever sent to me from the doctors office, which means they sent my account immediately to collections- all while telling me and giving me documents showing a {$0.00} balance. This is unjust.
Nothing has been resolved. They did not look into my case, I attached paperwork with my submitted complaint showing {$0.00} ledger and letter of {$0.00} balance due to XXXX. There is no balance per the submitted paperwork and this amount needs to come off of my report.
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| 04/29/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 03/11/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Message sent to CMRE : I had received a call from CMRE and missed the call. I returned the call and got on the call with an EXTREMELY rude person who insisted that I need to pay bills for XXXX of my family members from as far back as 4 years ago. She continued to interrupt me when I tried asking what the bills were for and why I was just now hearing about them missing payment. I asked several times for her to send me documentation as to what the bills were for and from what doctors, so I could do my research and confirm that they had not already been paid. She told me I could refer to my EOB ( remind you some of these were from 4 years ago ). The most recent charge was from XXXX 2015, which I explained was currently under " audit '' from XXXX XXXX XXXX and I would not be paying that since we had already reached our " out of pocket maximum '' and that I could not pay that until the audit is complete. I feel as though I was being BULLIED to make a payment with no further explanation or back up information.
If I was one of the doctors offices that you were representing and this had been outstanding for 4 years, I would not be impressed since this is the 1st time that I recall having received a call from this company. I have never had an issue with paying my bills, but I will not just arbitrarily pay something that someone " SAYS '' I owe without any documentation/information.
I understand that you have a tough business, but rather than treat every person that you call like a POS and try to bully them into paying you and making you go away, you might want to consider trying the kind ( you get further with honey than you do with vinegar ) approach. Maybe I just received a call from someone that was having a bad day or that was not properly trained, in that case please feel free to have SOMEONE ELSE call me back to further discuss. Or, if this is your common way of handling business, please be sure to understand that I WILL find out what doctors use your service and make a formal complaint about the way that you " handle '' your customer service, by not making contact for 4 years and then when you do finally make contact, you try to bully them into immediate payment without providing further information.
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| 08/03/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 10/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On Friday XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX office in XXXX XXXX, TX at XXXX. I spoke with a representative in reference to a medical bill for son thats reporting on my credit report in the amount of {$770.00} from a hospital visit on XX/XX/XXXX. I asked the rep if she could provide me with the information of the insurance they billed for payment so I can try to understand why this account is now in collection. She told me she was busy and had to look for that information. I called back again at XXXX and she told me again that she was busy and would call me once she found the information. I called XXXX XXXX XXXX and XXXX for an Explanation of Benefits for dates of service XX/XX/XXXX and only XXXX had one. XXXX denied the claim due to other health insurance which is correct because XXXX XXXX XXXX is my sons primary insurance and XXXX is secondary. I stopped by in person the XXXX Hospital and got a detailed hospital visit from that date of service as well as spoke to billing about the hospital bill and physicians bill. The billing rep told me the hospital billed for their portion but was not able to let me know about the physicians because they only handle the hospital portion. He was able however to tell me who to contact about the physicians bill. One I called the office that handled the physician bill they explained to me they did not have a bill for the dates of service in question. I the contacted CMRE which is the credit collections agency and told them that the company they are collecting for did not bill my insurance correctly and I legally can not be held responsible for that. I sent the Explanation of benefits to them and they are now investigating it. Ive tries several times to disputed this account with XXXX but they keep stating the account is good. Im curious to know how they closed a disputed so quicky when they are required to reach out to the agency to prove validity of the account. I know for a fact they didnt do that because the XXXX XXXX no longer exists because it has been bought out by a new company. Im providing the hospital bill that was paid and on the same date of service of the physicians bill. Please help me get this removed from my credit report
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| 07/27/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX.
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| 05/11/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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CMRE Finance XXXX XXXX XXXX , XXXX XXXX XXXX , CA XXXX Dat e XX/XX/XXXX Dear C MRE Finance After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( XX/XX/XXXX ) on my XXXX report. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA becaus e you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX XXXX
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| 07/28/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Went to hospital XXXX and got XXXX. Multiple agents to pay at hospital XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these accounts were paid directly and confirmed by date of payment, account number, credit card statements, and insurance. However - A second entity sent me a bill under the name of XXXX XXXX XXXX - different city, address and contact information from the original XXXX XXXX XXXX at the hospital. They are asking for the same dollar amount as the original bill : {$8.00} but have attached it to the false name ( but similar to mine own ) with an account number that has the original account numbers PLUS 9 additional numbers ( i.e. new account under false name being billed to me for the same amount - billing twice to one person ).
Then, I received a second letter stating that the {$8.00} has gone into collections under the name false name but associated to me and my current address from the company " CMRE FINANCIAL SERVICES '' XXXX. I am disputing this with them and have sent that paper information back in Certified Mail.
Sinmultaneously, I've been recieving an abscene about of phone calls from another entity called " XXXX XXXX XXXX '' XXXX. They are very definitely a call center because they called my number and left a message for someone else 's name stating that they were collecting for one company THEN called me back to correct the previous message and say they were collecting for an unknown account under my name- but that they needed my SSN before giving any information.
My phone number is associated with a dollar amount for an unknown bill that has no paperwork or connection to any service, either known or unknown. There is no option to speak to a representative to get information about the debt they are trying to collect if you callback the number left on answering machine. You can only pay the phantom bill or leave a message.
There is no debt. My bills are paid and up-to-date. There is no second person living at my home with a name similar to mine. I have reached out to both companies. I believe they are the same. I aim to protect my credit and my personal information from the dark web and frauds. Thank you
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| 08/31/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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In XXXX XXXX I was served at my home for a medical debt that belongs to my daughter when she was a minor which was XXXX, she is now currently serving in the XXXX XXXX. This paperwork of debt owed from CMRE was the first I had heard of this. When speaking with the representative the address they had stated they served me at was an address that I have not lived in since XXXX. Is this where my statements were going? I have told this company the amount to pay is to high. It has jumped from {$1700.00} to over {$3700.00} with what they claim are attorney fees. I have asked numerous times for an itemzed statement of what I am paying for and have now been told it is not mandatory and that I should be getting that through the courts. She did say she would send me one as a one time thing ( WHAT??!?! ) Is it hard to provide this? I have never heard os such a thing. I am on a payment arrangement in the amount of $ XXXX for THREE years ... yes THREE. Its a payment arrangement they set me up for to default. I ask can I pay online ( no ), I need to call in and speak to one of them to make sure the payment clears. I have asked if can be auto-drafted ( also no ). So you want me to remember to call you every month for three years??? No this is them setting me up to default and garnish my wages. I was also told on XX/XX/XXXX, when I called and made a payment that if I did not sign the papers from the attorney of this arrangement that they would consider it not an arrangement and would begin judgement and I should receive them in three days. This is an absolute set up for default and I am about to file a suit on them. They 're saying if I dont sign the paper after I already called and made an arrangement and made payment that they will start a judgement?!!?! Here it is XX/XX/XXXX, and no papers have been sent to me. I am a single mother and have told them this is not feasible. I can not afford for fee 's on top of fees to be added. I was not notified prior to this. I am in a nightmare. Please help, they are refusing to help me. I need fee 's removed and an arrangement I can afford for exactly what I owe. Please please help
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| 03/06/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This letter is in reply to your no response, in response to my letter dated XX/XX/2020. In my letter dated XX/XX/2020, I disputed the ALL of the debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA.
First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you completely ignored me.Ignoring me isnot a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.
Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false.
Due to the foregoing, you have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of myselfand received within 14 days.
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| 05/27/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Re : CMRE Financial Services , IncXXXX Account # : XXXX and any other one of my accounts with CMRE.
First, CMRE Financial Services , Inc. ( thereafter " CMRE '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX or after XXXX XXXX calling me during my work hours when I have repeatedly asked CMRE to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy.
CMRE alleges that I owe debt it wishes to collect. I have repeatedly requested that CMRE send me an itemized list of all such debt. CMRE has repeatedly refused to do, only sending me piecemeal documents that are impossible to reconcile and therefore completely misleading. I have repeatedly requested that CMRE send me a consolidated and itemized list of all debt CMRE alleges I owe so that I can verify that CMREs allegations are legitimate, valid and truthful. Without such list, it is impossible to verify CMRE 's allegations. CMREs billing is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed CMRE that the hospital ( XXXX XXXX XXXX XXXX ) to whom CMRE alleges I owe debt has illegally billed me, by charging me prices ( e.g. for the visit of XX/XX/2019 ) that are unreasonably and unconscionably above the good faith estimate rate ( a hospital has the legal duty to not charge self-pay patients above the XXXX XXXX XXXX ).
Instead, the hospital charged me the same rate it charged the insurance company of the party that I thought was responsible for the billing ( due to an automobile accident ) after said insurance company refused to cover said bill. I have also repeatedly informed CMRE that I was disputing bills from XXXX XXXX XXXX XXXX because at the time the services were rendered, XXXX XXXX XXXX XXXX informed me that a co-pay of {$75.00} for each rehabilitation session was the only and final cost I was to pay, regardless of insurance coverage. CMRE disregarded my dispute and reported my accounts to the Credit Bureaus.
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| 08/31/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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CMRE FINANCIAXXXX YOU ARE BREAKING THE LAW!
This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices.
Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report.
-CMRE FINANCIAL XXXX {$65.00}, {$74.00}, {$74.00}, {$100.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies.
According to 15 USC 1692c ( c ) ( 2 ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between CMRE FINANCIAL and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA.
This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ).
You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required!
Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved.
XXXX : XXXX
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| 09/26/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) CMRE, account number XXXX ; 2. ) CMRE, account number XXXX 3. ) CMRE, account number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
|
| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CMRE Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
|
| 08/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
IN XXXX XXXX showed a debt for City of XXXX XXXX XXXX in the amount of {$9500.00}. I contacted the hospital and was advised that no debt was showing owed and it was removed. Unfortunately, when this showed up again on my credit report ( under under the debt collector CMRE ), I contacted the hospital and they were unable to locate my account by name, social or address so I contacted CMRE and t/c w/XXXX-Rep # XXXX on XXXX, I advised her that I had XXXX at that time and she advised to Fax XXXX Doc to # XXXX w/acct XXXX XXXX XXXX This task was complete same day. On XXXX I called CMRE to get an update and the first rep took my name, verified my account and then disconnected the call. I called back and spoke with a rep named XXXX and she stated that XXXX XXXX XXXX denied the claim. I stated that I didn't have united health care at the time and my XXXX document was faxed over on XX/XX/XXXX. As I tried to explain the history of this account, I was told by XXXX in a rude manner that I " needed to allow her to speak ''. She was beyond rude beyond words as if I was an inconvenience. She said that the XXXX document was not located and to resend it again. This time I was told to e-fax the XXXX document to XXXX and I did this same day. On XXXX I called XXXX again to get an update, this time I spoke with a rep named XXXX and was told that my fax was uploaded on XX/XX/XXXX and no action has been taken. She stated that the document was " locked ' and she was unable to review it but according to the notes NO action has been taken nor has my account been reviewed. I have done everything this company has asked of me and when I try to get an update, I am either disconnected, treated in a rude manner and no one will help remove this from my credit account nor take any account to file a claim with my insurance that I had at the time which was XXXX. I'm asking for assistance as this has been on-going since XXXX and CMRE as a company is non-responsive and their customer service team members are rude and abrasive.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX CMRE Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
|
| 07/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX XXXX filed a collection and didn't bother to contact me about it still showing due in their records. Hospital service was rendered on XXXX to XXXX XXXX Itemization attached ). I had specifically told them when I was there that I was travelling, so always contact me by phone or email if there are any questions or problems. On XXXX I received and paid the invoice from their billing service XXXX XXXX XXXX XXXX XXXX ) ( Copies attached XXXX. So I archived everything, thinking it was all taken care of.
On XXXX XXXX notified me that a collection filing was reported to the credit bureaus, so I called the hospital and asked what the XXXX was going on. Upon investigation, we found out that the amount I paid for them was applied to ANOTHER bill within the same hospital group. I complained vigorously to XXXX XXXX that they never bothered to call me, email me, or invoice me themselves and they had the information to do that. They said they dont normally do that. WHAT? REALLY? Instead, they did nothing except give it to a collection agent after a number of months. Typical medical billing incompetency. However, I paid them again on XXXX the balance that they still showed due ( Copy Attached ) and then tracked down and cleared up the miss-payment to the wrong account later.
At that time, I told them that the lag time and the miss-payment was THEIR FAULT, NOT MINE, and they better reverse their collection filing, or I would hold them liable for damage to my credit. They said they would, but now obviously they did not.
My credit scores have historically been in the 800s, but just this last week or two, I discovered the score has been dropped into the 600s and was denied a rental application and a HELOC line of credit on my home as a result.
I expected them to reverse their collection filing and explain that is was in error, but it appears they will not take responsibility for their billing service mistakes or their in-action.
THIS IS NOT FAIR CREDIT REPORTING
|
| 04/14/2021 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Shortly after I received this letter in the beginning of XX/XX/XXXX, I called CMRE after calling my insurance company form XXXX and explained to the customer service rep on the phone that the claim was not filed by their client. Therefore, either they needed to file it themselves or have their client file it for them. Also, I had not received any communication from their client prior to this communication. The hospital bill had already been received and that this bill would be paid in full because it was in network. I verified this with my insurance. I was told by them that their client had filed it and gotten no response. I advised them that my insurance stated that no claim was ever received. That I had a number that they could call to find out where the mix up was. They said that they do not call third parties. According to FDCPA, they can call third parties with my permission. I asked to speak to a supervisor and was given voicemail. I left her a voicemail advising her to contact my medical insurance company and file the insurance. It is not my responsibility to pay when I provided the insurance information to their client to file and they did not file it in a timely manner. They have a medical billing department in house and they are aware of this. Now they are calling me from California using several different Oklahoma numbers that show up as suspected spam. Then they want me to call them back. Since they can not call a third party from their office ( their words not mine ), why are they calling me? They have a contract with their client, not me. I would be considered a third party as well. And calling with an automated system and leaving a voicemail or using an automated system to tell someone to call you back and what it is about would be a violation wouldn't it? They don't know who is going to pick up the phone on they other end or if it's going to be attached to a car speaker or on speaker phone. Especially when using a suspected spam number.
|
| 06/28/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I am a single mother and my son was in and out of the hospital from XXXX due to breathing related issues. As a single mother, I found it increasingly challenging to provide the financial means necessary to care for him outside of my standard monthly cost of living. Unfortunately, I do not get assistance from my son 's father for his care and upbringing. This lead to some medical bills being forced into collections- some that I had no idea I owed on. Not only did CMRE have an address on file for me that is not even mine, your customer service representatives threatened me and refused to even work with me.
I attempted to call CMRE today twice to offer payment in full for deletion, which I know is something that can be offered. I initially spoke with a man named, " XXXX '' who was rude and lacked listening skills. He treated me horribly and said it was " his choice not to remove the record from my credit reporting '' and then threatened me that if I were to call back, " I could speak to no one else but him. '' When I asked for a supervisor he informed me they were unavailable and refused to keep me on hold, noting that I was " taking up his phone line. '' When I refused to hang up, he hung up on me! This is what you call customer service?
I called back and he had locked my account and I had to sit on hold for over 15 mins while a very nice young lady attempted to get me to a supervisor. While on hold with her, my phone rang through with a supervisor on the line from CMRE. She noted that the " pay for delete '' option ended last year and that the company would not be willing to assist me- therefore, I could pay bills that I had no proof I owed, or allow them to wait their 7 years to fall off my credit. One account is from XX/XX/XXXX and the statute of limitations has completely run out on that one. CMRE has yet to prove I owe this debt and I called the original creditor " XXXX XXXX '' and they can not even find the other bill from XX/XX/XXXX!
|
| 11/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have previously sent CMRE FINANCIAL a request to validate the alleged COLLECTION per the Fair Debt Collection Practices Act and all I received was a statement. ANYONE CAN PUT A PERSONS NAME ON A STATEMENT. This does not meet the Federal Trade Commissions guidelines of what constitutes proper collection validation. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. This erroneaus collection information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. CMRE FINANCIAL has also failed to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe you : Provide me with copies of any papers that show I agreed to pay you what you say I owe along with a signed contract with my original signature between myself and your company.
Provide a verification or copy of any judgment if applicable : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : CMRE FINANCIAL should also be aware that reporting such invalidated 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 all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if THEY do not immediately delete this account from their records and/or credit report, they are subject to another {$1000.00} fine, plus punitive damages. I'm sure their legal staff will agree that non-compliance with this request could put CMRE FINANCIAL in serious legal trouble with the FTC and other state or federal agencies.
|
| 03/15/2016 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
I have not received a resolution.. I have been in contact with CMRE Financial ( XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company placed information for my ex husband of 16 years on my credit report. I was told I had to provide divorce papers to have this taken care. The Notice of Entry of Judgement was emailed to them on XXXX/XXXX/16. I have been in contact with them numerous times and this still appears on my credit report. I did not received a letter stating they were taking it off, as they stated I would. Upon calling I was told it was mailed. I have now received a bill from them in my ex-husbands name at my adddress! They changed his address to mine. Now the CMRE states I MUST give them my SS # in order to get the letter sent to me. It was never mailed out. They do not need my SS # according to my attorney. They did not need my SS # in order to put this on my credit report. I want this removed from my credit report from all three reporting agencies immediately and I want the bill changed back to his address. I am getting no where with them and then when you become upset, they just disconnect you. I have called them six times and can not get a straight answer. A supervisor will not get on the phone and will not return the call. I do not know where else to turn short of taking them to court. I do not understand how they can just put something on my credit report, they did not ask for proof of marriage when they did. I have been re-married for almost 12 years now. My name is even different on my credit report. It should not be this hard to have incorrect information removed. I have filed disputes with the XXXX major companies as well. However it seems that I am doing all the work and getting no where. It was not my mistake and it should definately not be this difficult to fix it. I have no way to upload documents but I can email them to you upon request. I would appreciate any help you can provide.
|
| 06/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Creditor , XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX was complained about in BBB Case # XXXX. According to XXXX XXXX, XXXX ext. XXXX, the creditor declined to engage in a dispute resolution procedure in XX/XX/XXXX. In XX/XX/XXXX, creditor forwarded one of their disputed accounts with me to CMRE ( account # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX. On XX/XX/XXXX, I emailed XXXX a summarization of dispute history -- requesting it drop XXXX XXXX XXXX account per its unethical administrative conduct. To review , XXXX XXXX XXXX ( ACCT.XXXX ) forwarded for collection my disputed balance owing to a variety of outside agencies without regard for billing errors. My emails to CMRE received no reply, but collection calls continued. BBB 's complaint # XXXX was started in XXXX XXXX in order to address CMRE 's deliberate indifference about XXXX 's conduct. In reply to BBB, CMRE sent statement of PT services dated XX/XX/XXXX. In email reply to it, I addressed their record as not at issue. The dispute, rather, was about XXXX 'S broken promise to provide " in network '' benefits for my XXXX " XXXX XXXX '' policy first discussed with its Insurance Benefits Supervisor, XXXX.Instead of addressing XXXX 's dodginess re : billing error ( an internal matter after reported services ), CMRE simply provided reference to activities occurring prior to dispute -- changing the subject. So CMRE perpetuated XXXX 's refusal to address original cause for concern and create false inference that balance reported owing was without question marks. On XX/XX/XXXX, CMRE sent another form letter without contact info or reference to materials it received this month demonstrating support for my position that XXXX 'S reused to provide a dispute resolution procedure to which I was entitled over a year ago. Please note that XXXX 's has more than one account number, but all it 's accounts for me remain in disputed status with respect for above.
|
| 06/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
CMRE Financial Services Inc Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXXXXXXXXXX http : //www.cmrefsi.com Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE Financial Services Incor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE Financial Services Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 02/19/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
CMRE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX By telephone : XXXX or XXXX By fax : XXXX By email : XXXXXXXXXXXX By mail : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 09/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
CMRE. XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CMRE. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
|
| 04/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In the XXXX of XXXX CMRE had sent be medical bills and contacted me via cell phone. On XX/XX/XXXX, I spoke to a male rep who stated that I had 7 accounts, but only 1 with a balance. He said the total amount of that account was $ ~XXXX. However, he said my portion was only {$76.00}. He then transferred me to a female representative who tried to collect {$300.00} from me. I then sent an email to CMRE to verify what was going on. They did not respond to this email. However, I received a bill in the mail for an amount of {$76.00}. I made this payment and subsequently validated via telephone that all accounts were paid in full. Since then I have not had any communications from CMRE. On XX/XX/XXXX, CMRE began reporting an {$82.00} collection account on my Credit. Based off this, I called into CMRE on XX/XX/XXXX and spoke to multiple people. They informed me that the last notes on the file show a communication with them on XX/XX/XXXX ( before the email ). The notes did not reflect the male I spoke to or the subsequent call. The assistant manager XXXX said she would try to pull the calls I had with him. She confirmed that they did not attempt to contact me since my last communication with them. She stated that they reached their mailing threshold and that is why they did not send anything via USPS. She also claimed that they did not have my phone number on record ( even though they called me last year on it ), and that is why they didnt attempt to call me.
I no longer use the credit card I paid the account with and therefore can not pull a receipt. I agreed to pay the debts they are now claiming I owe if they remove them from my credit. However, they have refused to delete them. I asked XXXX for their regulator information and she told me it was the XXXX. I subsequently spoke to the manager XXXX who now claimed I hadnt made a payment since XXXX, and refused to look for the phone records of me speaking with them.
|
| 03/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
XXXX XXXX, XXXX Dear Investigation Unit, The purpose of my letter is to request assistance as my rights as a consumer have been violated by CMRE agency. I have communicated with this organization and have made payments towards a medical debt that I have with XXXX XXXX Hospital in XXXX IL.
The original balance of {$250.00} was for my deductible after being hospitalized. I have been making monthly payments on this account. Most recent payments made were on XXXX/XXXX/XXXX in the amount of {$50.00}, next payment made was on XXXX/XXXX/XXXX in the amount of {$50.00} the statement date for the payment was XXXX/XXXX/XXXX .There were payment made prior to the hospital before the account was turned over to the collection agency.
When CMRE agency received the account, they stopped sending statement and place the debt on my credit report. I have received no other communication on this account to continue to make payment.
This is a violation of the fair debt collection laws. As a consumer, I have received any calls or billing statements to make me aware that there is an outstanding debt owed is agency. When contacting the agency I spoke with a representative name XXXX XXXX ext. XXXX, she stated that I have another outstanding debt with them in the amount of {$480.00}. There has been no communication regarding any outstanding debt from any organization.
I 'm requesting your assistance to have these accounts removed from my credit report. This is a fraudulent practice on the behalf of CRME refusing to communicate with a consumer that a debt is owed. As a consumer, I have the right to be given an opportunity to pay my debt by being notified via communication either by phone or by mail. Rather than just applying a judgment on a consumer 's, credit report. It is because of companies like this that American if in the financial distress.
I 'm deputing their fraudulent practices and requesting assistance.
Sincerely,
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I went to the ER in XXXX NE in the summer of 2019 while traveling. I first went to the VA XXXX in the same town, as I am a XXXX veteran with a XXXX XXXX rating, and they couldn't care for me there so they sent me to the ER at XXXX XXXX XXXX. The VA XXXX talked to the VA XXXX in XXXX ND to gain access to my medical records and obtain an authorization number for my ER visit to be billed to. The authorization number is XXXX through XXXX. The authorization was faxed to the hospital ER and I also hand delivered a hard copy to the triage intake team. Within a few weeks of the visit I checked with the VA and they said it was paid in full. A few months later I started receiving threatening phone calls and a couple of letters from a debt collector called CMRE. CMRE said I owed some company called Virtual Radiologics for the ER visit and if I didn't pay right away they would ruin my credit. They said they could take a portion of my XXXX pension to pay off the bill as well. I gave CMRE the authorization number and told them to contact XXXX or the XXXX ND VA XXXX if they didn't believe me. They refused to accept the authorization and refused to talk to the VA or XXXX. Now they have illegally placed derogatory info on my credit reports. They are refusing to remove the derogatory info and they have called to harass me from several different phone numbers. After each time they have called to demand money and say they will take my pension I block the phone number.
What CMRE is doing is a clear violation of the rules of the FCRA. I contend that XXXX XXXX and XXXX XXXX XXXX are also complicit in this matter because they had the authorization number from the beginning and could have put a stop to this, but they have refused to discuss this issue with me and refuse to talk to the VA or XXXX to help settle this matter. I need the derogatory info that CMRE put on my credit reports removed immediately.
|
| 06/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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|
Hello! Hopefully someone can help in regards to a collection from CRME. First of all, I never received any letters from CRME stating I owed any debt nor did I receive any letters from CRME at all. This collection in the amount of {$620.00} was originally from XXXX XXXX XXXX from a visit back in XXXX of XXXX. At this time I was covered by XXXX XXXX XXXX XXXX and I have bank statements showing proof that insurance payments were successfully coming out of my bank account via autopay but for whatever reason XXXX XXXX XXXX XXXX didn't pay the bill. I had no idea of this debt until this collection hit my credit in XX/XX/XXXX. If I would have known about this debt I would have paid it without hesitation especially since it was such a small amount of money. Once I saw the collection on my credit report I instantly disputed the collection because the debt should have been paid by my insurance company. Unfortunately the dispute didn't go in my favor so I contacted CRME via phone to attempt to settle the debt. When I called CRME I had to correct the address they had for me on file because CRME didn't include the suite number. I explained to CRME what happened with the insurance company and I told CRME that I was unaware they were trying to contact me in the first place ( probably due to the address not having a suite number ). I asked CRME to do a courtesy deletion on my credit report after CRME receives my payment in full since this was just a mistake. I got NO. I called multiple times, dealt with multiple people and they all said no. I even pleaded with them that i'm in the process of buying a house and this is really affecting my chances of being able to get it now, they didn't care to work with me at all. All I want to do is pay the debt and get it removed from my credit report so I can buy a house for me and my family and if this collection doesn't get removed that might not be possible.
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| 03/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am submitting this claim in reference to Case No : XXXX, a case I opened against CMRE Financial Services. This debt collection agency is in defiance of the law. In their response to my initial compliant, they stated that they would be placing my file with them in dispute. However, after that statement, I received an offer to settle the account at about 75 % of the amount posted by the provider of service. I called them to explain to them that what they were doing was against the law. I also again requested that they remove the negative information from my credit profile. Their rep was so RUDE! She said that XXXX on two different occasions the in XX/XX/2016 denied payment of my claims. The funny thing is the claims were sent approx. 7 days a part. XXXX is denying that the provider was told that I was not insured. I explained that to her and told her simply the provider just needs to file the claim again for payment. She told me there would not be any other attempt to collect from the insurance company, and that if I wanted the debt settled, I would have to pay the settlement offer. This is a gross violation of the law! She hung up in my face. I called back and asked for a supervisor. I was transferred to a voicemail. However, the system would not accept the message i was trying to leave. I am requesting the the CFPB sanctions CMRE for this nefarious attempt to gain payment by holding my credit hostage. They are not trying to collect a payment from the insurance company or relay pertinent information to their client. They are only interest in increasing their bottom line. It makes one wonder to whom else they are trying to hold hostage in this manner. I want CMRE to delete the negative information they slammed on my credit report. They have already admitted not speaking to me. This is fraud! Pure fraud and nothing else! I am thanking you in advance for your assistance.
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
|
| 04/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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In XXXX of last year I received a medical debt collection bill from a company called CMRE. The debt was for a medical bill issued from XXXX XXXX XXXX XXXX from an ER visit that occurred on XX/XX/XXXX. The total billed amount was {$740.00}. My insurance XXXX XXXX covered {$520.00} dollars of the total, leaving the allowed amount my provider could bill me at just over {$220.00}. However, once the debt was sold to collections, CMRE tried to bill me the total amount of {$740.00}, instead of the allowed amount of {$220.00}. I contacted CMRE by phone on XX/XX/XXXX to explain what had occurred, and that they were billing me the incorrect amount. They refused to listen, and continued to press me to pay the {$740.00}. XX/XX/XXXX I called CMRE again, and after some bullying from them, I asked for their mailing address so I could mail them a copy of the explanation of benefits from XXXX XXXX to clearly show proof I was being billed the wrong amount. I mailed a copy of the explanation of benefits to CMRE on XX/XX/XXXX via USPS along with contact information for my XXXX XXXX representatives and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a new letter from CMRE that said they will not reduce the amount of the debt despite the proof of the error, and that they refuse to do anything more in regards to the issue. I have tried multiple times to resolve this with CMRE, I have sent proof that they are overfilling me for medical debt, and they do not care. It is my personal belief that they do not care about the actual amount owed, and are only focused in getting as much money from me as possible, regardless of legality or what has already been reimbursed from my insurance company. At this point I feel helpless to do anything, as they will not take proof of the error into account, and they know I have little recourse without outside intervention to assist me.
|
| 05/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
|
| 08/17/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I had a debt that was sent to collections without my knowledge. The debt collection company, CMRE, had the wrong mailing address. Then I updated my address with both the hospital and CMRE. The hospital billing department corrected their mistake, and I was reassured by both CMRE and the hospital that everything was taken care of.
Several months later, I try to refinance my condo, and it turns out CMRE still has an outstanding debt on my credit report. I call them and they still have the wrong billing address, and I have still had absolutely no notifications or contact with them. And interest has being compiling this whole time.
I settle the outstanding bill because I do n't have time to wait for the hospital billing department or wait for my health insurance to settle the claim, since I need the refinance with the bank.
CMRE still has n't sent a letter that confirms deletion of the outstanding debt on my credit report and I have no confirmation that I have paid the bill in full. Other than the big charge on the credit card.
Now that I do n't owe CMRE any money, they have literally hung up the phone XXXX, transferred me to a nonworking extension, and transferred me to their supervisor who despite leaving voice mails has never returned my calls.
They tell me over and over again the letter has been sent, but I still have n't received a deletion confirmation letter than I can submit to the bank for the refinance. They claim they ca n't e-mail a password protected file, they ca n't fax a letter, they ca n't send certified a letter, and they ca n't regenerate the letter and send it again.
After all this, I am not surprised I have n't received a confirmation of deletion or a confirmation of payment, since for months, they did n't have my billing address correct and I have never had any contact with them.
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| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Dear Consumer Financial Protection Bureau Subject : CMRE Financial Service, INC-Debt Collection Account Number XXXX Reference # XXXX On XX/XX/2022, I was admitted to CXXXX XXXX XXXXXXXX XXXX XXXX I XXXX of 2022. I received a demand letter from CMRE Debt Collection.
This letter stated I owe a balance of {$200.00}. For services rendered at XXXX XXXX XXXX.
It should be noted that I had not received a written or electronic billing statement in the amount of {$200.00}. Prior being placed in debt collection with CMRE Financial Service, INC-.
I promptly called CMRE on a recorded line to decipher where this bill had originated. I asked the CMRE Representative if they were collecting on behalf of XXXX XXXX XXXX XXXX XXXX or another local or XXXX XXXX XXXX XXXX.
CMRE was unable to provide this information.
XX/XX/2022. I paid CMRE Debt Collection in the amount of {$200.00}. ( Check # XXXX ) via U.S Mail.
XX/XX/2022 this check ( Check # XXXX ) was posted and {$200.00} was withdrawn from my checking account. I have included photocopy verification illustrating that check XXXX was indeed accepted as payment.
XX/XX/2022, I received a second demand letter from CMRE Debt Collection. Same Account Number XXXX and same Reference # XXXX This document claims owe a balance of {$200.00}. The amount that CMRE Debt Collection redeemed as payment on XX/XX/2022.
I continue to receive Voice Mail Messages from CMRE indicating I owe debt..
I have since contacted CMRE Financial Service, INC and requested they provide written verification that there is no current account balance owed. As of the writing of this letter this matter is unresolved.
Should this be in the realm of your jurisdiction to Investigate and assist settle this matter I would truly appreciate it.
Respectfully, Sincerely, XXXX XXXX
|
| 10/25/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
In XXXX 2016 I contacted XXXX billing department to arrange a payment schedule. They agreed and established a {$50.00} per month payment. Since they do n't provide a user friendly online bill payment option, beginning in XXXX I set up electronic bill payment through my bank. A total of XXXX payments were made ( in XXXX electronic transactions ) with confirmations sent from XXXX XXXX. On XXXX XXXX I received a collection notice from CMRE Financial Services and I contacted them on XXXX XXXX via phone. I was told my account had not been credited for the above referenced payments. That same day I emailed documentation for all payments made beginning in XXXX. On XXXX XXXX I called to confirm that the email had been received, spoke to XXXX and she confirmed they had been. She said they had requested more information from XXXX XXXX XXXX and it could take up to 2 weeks to resolve. Today, XXXX XXXX, I received a voice mail from CMRE and called. They said they needed documentation for the XXXX XXXX payments. I explained that they were electronic payments directly from the bank so other than the payment confirmation I received I had no other documentation. XXXX got very belligerent and said the payment confirmations I provided were not sufficient and I needed to send cancelled checks. I again explained that I did not write checks, that these were electronic payments through XXXX XXXX bill pay program. She continued to insist, said I needed to send them further documentation and then hung up. I just pulled bank statements showing the debits from my account and sent that along with the previously submitted payment confirmations. In the email I requested confirmation of receipt as well as how this collection issue will be resolved so as to not impact my credit score which I take very seriously.
|
| 10/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have had several medical events from XXXX. XXXX , CMRE received medical debts from my provider XXXX XXXX XXXX XXXX Many bills were in error and I had to dispute. The accuracies and verifications were never submitted nor did the hospital originally follow up or give me time to address debt balances left from insurance or payment plans. As it was during pandemic and my own illness prior and during time. I had to have a bill deleted, however in the meantime it had already dragged my credit down several points. I didn't know it was on the reports until i received monitoring due to breach of our information from a laptop from employer of my job.
XXXX XXXX XXXX underwent a merge of systems with XXXX XXXX XXXX. In the process, billing departments were and continue to be separate. I had 3 surgeries and other procedures. So I had onslaught of medical bills, and during the pandemic. I have asked the credit bureaus and collection agencies to delete the paid collections and a newest one was put on my credit and I told the lady I had to check the accuracy of my portion of bill. I paid it immediately within a 1 day of reported on credit. I have a concern when medical providers sell debts off quick and end up with scrupulous collection agents that hound and harass. The bureaus report when you attempt to address and dispute and sometimes restart debts. It is a vicious cycle for consumers who have had health challenges, employment and a fallout such as this health crisis we are in. I want the past medical collections deleted, due to the numerous issues. I have one in dispute with my provider and a collection agency that hasn't yet put on my credit, had I not been aware and starting to research these type of errors, then it would have resulted in more credit damage!
Date ranges XXXX XXXX
|
| 08/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
This is XXXX XXXX. My Social Security number is XXXX. On XX/XX/XXXX, I checked my credit reports generated by XXXX XXXX and XXXXXXXX and discovered that I owed {$57.00} to a collection agency called CMRE Financial Services. I also discovered that CMRE had reported this amount as delinquent to the credit bureaus. I contacted CMRE by phone and was informed that a company called XXXX ( a provider of ambulance services ) had charged me {$56.00} for date of service XX/XX/XXXX. I explained to the customer service representative with CMRE that I never received a bill from XXXX nor from CMRE. When I asked CMRE to verify my mailing address, it was wrong in their system ( and, of course, wrong in XXXX 's system ) -- that is why I never received a bill from CMRE or XXXX, and why the debt was reported as delinquent to the credit bureaus. I should also mention that I was not contacted by phone or e-mail by CMRE or XXXX. My mailing ( and home ) address at the time was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. In CMRE 's system, there was a typo in my address, as follows : XXXX XXXX XXXX XXXX, XXXX XXXX.
On XX/XX/XXXX, I paid CMRE the {$56.00} using a Visa credit card. The payment is listed as made via XXXX XXXX XXXX.
( For the record, my current mailing address [ as of XXXX, XXXX ] is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My current home address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ) Because XXXX and CMRE had an incorrect mailing address for me, which resulted in my never receiving the bill, and as neither XXXX nor CMRE phoned or e-mailed me to make me aware of the bill, I strongly believe that the delinquency which thus came about, and which was reported to the credit bureaus, should be removed from my credit reports with XXXX, XXXX and XXXX
|
| 01/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020, I received care at XXXX XXXX for a second XXXX XXXX. Prior to my appointment, I met with the billing department and paid the patient responsibility for the procedure of {$160.00}. The billing representative informed me that this was the total cost for the services that would be provided during the mammogram. On XX/XX/2020, I received a bill from XXXX XXXX XXXX for {$52.00}. I called XXXX XXXX in regards to the bill and they told me to call XXXX XXXX as they were not aware of any additional charges. XXXX XXXX XXXX informed me that the charges were for the radiologist. After I explained to them that I was told that my total out of pocket expense was {$160.00} which was paid the day of the procedure, the billing rep told me to get a copy of my EOB for the charges. In XX/XX/2020, we had to move due to my husband losing his job. I never received the EOB or any additional correspondence from XXXX XXXX XXXX. On XX/XX/2020, I was notified by XXXX credit journey that a major derogatory has been posted to my credit report by CMRE a collection company for XXXX XXXX XXXX. I informed XXXX XXXX XXXX that I never received any correspondence ( not a letter, a phone call ) from CMRE. The representative opened up a resolution case and informed me to call back in 15 days. We were scheduled to close on our home on XX/XX/XXXX however, due to the significant change in my credit score from XXXX to XXXX, we no longer qualified for the original terms and conditions. I write this as a plea to remove this major derogatory action on my credit report. I have never paid a bill late or had anything sent to collections. I have tried to call CMRE 5 times and the number just rings, no one has answered. I am at your mercy and beg you to please help me with this situation. Thank you.
XXXX XXXX
|
| 05/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear Sir/Ma'am I am writing in response to your company placing MULTIPLE DEBTS ( 15-USC-1692H ) AND DUPLICATE medical collections on EACH of my Consumer Reports.
As part of my validation request under ( 15-usc-1692g ) XXXX I am requesting your company provide me with the PURCHASE AGREEMENT to ensure the accuracy of the records.
Please provide me with the original bills from each account you have listed on each of my Consumer Reports. Please provide a breakdown of these medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you.
Provide me with your company license/bond to collect debt in my state. Please provide an affidavit signed under Penalty of Perjury that your agency has not violated any portion of the FCRA, FDCPA, HIPPA, and PHI. PLEASE CEASE ALL CONSUMER REPORTING UNTIL THE DEBT HAS BEEN VALIDATE BY ( ( ME ) ).
Please accept this as my formal debt validation request, I am allowed under FDCPA. Withholding any information you received from any provider in an attempt to be HIPPA compliant is a violation and considered deceiving me after my request. I request full documentation of all information you received from the provider of service in connection with this alleged debt.
Please do not contact me by phone at home or work. Continued reporting of this alleged debt prior to me validating is a violation which can allow me to seek even more damages. If your company fails to respond please remove all references to this account and alleged debt from my Consumer Reports and your company records.Thanks for your immediate attention.
XXXX XXXX XXXX XXXX XXXX.
XXXX Fl. XXXX XXXX
|
| 12/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid.
This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing.
|
| 10/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections.
Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX XXXX, while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft.
As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX XXXX Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity.
I have attached the letter for review.
This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with.
I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
|
| 05/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I had a test reading from XXXX XXXX XXXX XXXX. They filed a claim with XXXX for {$1300.00}. XXXX paid them on XX/XX/XXXX for the approved amount of {$81.00}. On XX/XX/XXXX, XXXX XXXX XXXX XXXX was paid for a claim filed with XXXX XXXX for the remaining balance {$20.00}. Those two payments completed all amounts due and my balance was XXXX. Many months later I received a letter from CMRE Financial Services , Inc . The letter threatened to submit a negative credit report to XXXX and XXXX if the balance listed on the letter was unpaid. They offered 4 methods you can use to pay Creditor XXXX XXXX XXXX for the amount of {$380.00}. No date of service was supplied and an arbitrary amount of {$380.00} did not exist in any claims. I called XXXX XXXX XXXX XXXX and was told that the account was sent to collection CMRE and they could not help me with a billing problem because my account was sent to CMRE. I was told that CMRE does all of their billing. I contacted CMRE via phone and tried to find out what this bill was. They told me to request anitemized Bill which was dated XX/XX/XXXX for {$380.00}. It did not include a procedure, only a date of XX/XX/XXXX and a balance due of {$380.00}. I was not successful getting CMRE to acknowledge a balance of XXXX based on my claims for that date. Today, they did exactly what they threatened. The put a negative collection report on XXXX that I was notified of today. I contacted XXXX to dispute the report and they told me that I must get CMRE to take this collection report off my account. As a result, my credit score decreased 122 points from a normal score in the 800s. So, Im trying to get a fraudulent charge for collection removed from my credit report by those that fraudulently put it there.
|
| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CMRE showed up as 3 inaccurate collections on my credit report for the amount of {$2000.00}, {$260.00} and {$150.00} all from the same original creditor ( XXXX XXXX ) and same alleged hospital visit. I initially disputed collections online via XXXX. Results listed below and attached.
Online dispute submitted for {$2000.00} on : XXXX Not removed.
XXXX Not removed.
XXXX Not removed.
XXXX Not removed.
Online dispute submitted for {$150.00} on : XXXX found to be inaccurate and deleted.
Considering that the collection of {$150.00} was found inaccurate and removed, the remaining 2 collections for {$2000.00} and {$260.00} should have been removed as well but were not.
I have mailed numerous letters via USPS requesting validation of debt via adequate proof that it was me and not someone using my name or misfiled. As of XX/XX/XXXX, I began mailing them as certified mail in efforts to have these inaccurate collections removed. Another request sent in XX/XX/XXXX as well as XX/XX/XXXX. The responses received were irrelevant info such as a letter stating " account balance is accurate '' and other things failing to meet my request of the following : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verification or copy of any judgment if applicable -Identify the original creditor -Prove the Statute of Limitations has not expired on this account -Show me the you are licensed to collect in my state -Provide me with your license numbers and Registered Agent or Agent of Service Receipt of certified mail is attached.
Last 3 letters sent via certified mail : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 01/25/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Older American |
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Sometime in XX/XX/2017 I became aware of a collection item on my credit report.
The collection agency is CRME representing XXXX XXXX XXXX XXXX CRME - XXXX XXXX XXXX Immediately upon learning the collection was on my credit report, I called and spoke to a CMRE representative who gave me the account background. This was a medical invoice generated when I went to XXXX XXXX XXXX XXXX XXXX for services. Apparently, one of the attending physicians or labs was a non-provider under my insurance company. I explained to the CRME representative that I had no knowledge of the invoice and that I had never received an invoice in the mail. Upon receiving the name of the physician/lab involved, I contacted them and was told that all information on my account had been turned over to CRME and that they couldn't work on my account. The medical facility confirmed that they received returned mail from my address. Neither of us were sure why.
Upon speaking with CRME, they too confirmed that mail to me from them was returned undeliverable. Nonetheless, I was told that all they could do to help me was take a payment. So, I paid it once I confirmed it was my debt. The CMRE representative as sympatric to my issue and did offer to close the account for a reduced amount.
It appeared that I have had no other recourse and was in a never-ending loop.
In the interim, this collection remains of my credit report with all three bureaus and is driving down my credit score. My FICO score is very important in the decisions I make related to my credit and finances. I think its unfortunate that organizations can make decisions that can ruin your financial future based on not receiving the correct billing information from the primary medical provider.
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| 09/14/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Collector CMRE Financial Services and XXXX XXXX XXXX. Their practices of harassment and are met with antagonistic and unlawful procedures! Do n't go to XXXX XXXX Hospital as their billing practices are harassment and borderline unlawful. I went in for a covered procedure surgery with prior authorization. Even with Medi-CAL coverage they will pressure you to pay all before leaving. I have received a collection notice and called them and said I just spoke to Medi-CAL and they are processing the bill, and here is their contact information. Besides being met with an antagonist harassing person ( she said her name was XXXX ), she asked if the number I was calling from was my cell phone. Fearing a trick to acknowledge my number, I hesitated, but remembered I 'm on the " Do Not Call '' list and they cant call for collections as I have only a certain amount of minutes. She said she could n't go any further without my answer, and since I wanted them notified of the bill being processed, I confirmed. She then asked me if it was ok to call this number for collections. I said, ABSOLUTELY NOT! Within 1/2 hour of hanging up I 've been receiving multiple collection calls on this account! Sometimes using a different name ironically. Up to this point I have n't received XXXX call from any collection services. Ironic? .. or do they pass the number along so they can skirt the law. Besides the terrible billing practices of XXXX XXXX HOSPITAL, I would n't recommend ANYONE going there. This is an obvious collection svc for the XXXX department. The bill is not unpaid, as the billing is still going through Medi-CAL but that does n't stop the harassment by both XXXX XXXX Hospital and CMRE Financial Svc 's and XXXX XXXX XXXX!
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| 08/14/2020 |
No |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a message.
XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 2nd message.
XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 3rd message.
XX/XX/XXXX : Called the provided number, spoke with XXXX, who told me she could take care of me since XXXX wasn't calling me back. I explained how there was a disagreement between my insurance company and the hospital, which led me into this collection status. I asked her what can be done to minimize the impact on my credit. She told me there was nothing she could do, unless I can dispute the collection and provide an EOB from my insurance company or speak with XXXX to change things.
XX/XX/XXXX : Spoke with XXXX, who told me that the collection agency didn't tell me the truth, they are able to pull back the record from XXXX if they want to do so. And that I can also dispute the charges if I want to.
XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a message.
XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 2nd message.
XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 3rd message.
They are misleading on what is the best steps forward to resolve the issue, and, also refusing to call me back or communicate with me to actually resolve the issue. While this is happening, they are still sending me letter that my interest is going up.
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| 03/03/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I've had a really rough time with CMRE Financial Services for nearly a year. During this time, they have violated all norms of decency : from calling repeatedly despite me asking them to stop calling, to trying to continue to collect after it was referred to my insurance, and then reporting an unpaid bill to XXXX after the bill was paid in full by my insurance.
This all began last year after I was admitted to the emergency room for a sudden XXXX event, after which I had to pay several thousands of dollars in medical bills ( which were paid on time and in full ). Several months after this visit, I received threatening calls from CMRE ( e.g., " If you do not call now we will pursue legal action '' ). Much to my surprise, they were trying to collect on a medical bill I had never received. Callers were aggressive, disrespectful, and gave wrong/misleading information in attempts to collect debt ( e.g., multiple notices had been mailed, legal action would be taken if not paid, insurance would not pay for services, etc. ). Worst, after checking with my insurance, it appeared to be linked to overbilling for medical services that were never received. After reporting this to my insurance company ( XXXX ), they began negotiating with CMRE to bring the original bill down and pay the remainder that was due. During this time, CMRE repeatedly called me, telling me to pay in full or else they would take legal action.
Fortunately, my insurance was able to get them to remove excessive charges and paid the rest of the bill in full ( see attached ). Despite this, CMRE still sent this dispute to XXXX, which results in a derogatory remark and a 22 point drop in my credit score ( see attached ).
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| 04/26/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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CMRE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX CERTIFIED XXXX RECEIPT # XXXX XXXX : Dispute of alleged balance ; Account # : XXXX XXXX XXXX Dear CMRE : You are reporting and attempting to collect an alleged $ [ 41,675.00 ] balance. Attached you will see through my complaint from the CFPB that you stated this would come off of my credit. You have held up my attempts at obtaining credit for myself and family. Accelerate your means of removing this off of my Credit report. Please be advised that I dispute the legal validity of the alleged balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies. Write or email me once to confirm your compliance with my demand within 14 days. This letter is as a complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX. The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue.
Sincerely, XXXX XXXX ( P.S. Please see attached copy of my ID and proof that it still on my credit. ) Email : XXXX XXXX : XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX
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| 08/24/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 ).
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| 10/01/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have a debt that I was unaware of due to the lack of communication from those who claim I owed a debt ; According to CRME Finance, I owe {$510.00} and this debt is supposedly a year old. I haven't received any billing information or anything regarding this debt. I called the hospital billing office and they have no recollection of this debt and state they have nothing in their system. They don't even have a record of me being there. I contact the CRME finance debt collection agency and spoke with someone named XXXX. While she gave me the account number, she would not provide the phone number or any information about the organization that stated that I owed the debt. When I asked why the hospital had no information about a visit, she stated that " once it hits a debt collection, they don't have a record of debt ''. This seems false, as the hospital should have billing information. As someone who is familiar with how outstanding collections work, it seems odd that the hospital has absolutely no record of me being there and no record of debt. When I called, The head of the hospitals had a copy of a bill all the way from XXXX and could verify the payment, but stated that there was nothing on their record from XX/XX/XXXX. Furthermore, the hospital should have information on what insurance paid, etc., if this was done. To not have any information regarding an outstanding bill as large as the one provided and just expect me to pay something that no one has information on is quite disturbing. If I were to pay this bill, how would I know that they would even remove this from my credit? They haven't been honest thus far, so it does not seem likely that they would.
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| 07/31/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/2020 I received a credit alert from my XXXX Credit report. The report stated that a collection amount of XXXX dollars was owed to CMRE Collections. I called XXXX at XXXX CMRE today XX/XX/2020 and asked her about this debt from account XXXX. I asked her name she Stated it was XXXX. I gave the person my name and phone number, so she could look up the bill. XXXX stated that she could not find my name anywhere in her system or any bill that I allegedly owed. She asked me for my social security number, I told her that I feel uncomfortable giving her that. I called CMRE collection at XXXX. I informed her that I was sick from XXXX and I had no knowledge of this account. She thought that was funny and tried asking how long I had it, She was very unprofessional. I asked to for the legal department of CMRE she refused to give me any contact info. Under account information on my credit it states collection Department/ Agency/ attorney. Makes me belief that they work for a federal agency. In Conclusion I contacted CMRE to dispute this debt allegedly owed. I also told her that I was sick with XXXX and I work for the USPS and I have federal Insurance and I pay my bills. I contracted covid -19 while employed all my medical are being paid. I feel very distrusting towards CMRE rep when she asked me for my social security number and physical address.She stated her office was in California. I asked for her legal and the attorney that represents them. She refused to give me any information or any phone numbers of their legal office. She was very disrespectful in asking me personal questions about my XXXX, I her a laughter in her voice when I explain how XXXX I am.
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| 03/16/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Hi. I received a phone call from CMRE FINANCIAL SERVICES that I got a collection debt from XXXX. I was completely unaware of this until today when I check my credit score. Two years ago on XXXX XXXX, 2015, I went to XXXX. I can assure you that everything I described here is true. I went there because I thought my contact was still in my eyes so I got my eyes checked. It only lasted 10 mins so the receptionist gave us a discount. I do n't have any evidence to prove this sadly. The total amount is XXXX. I absolutely paid everything since I was an XXXX ( you can verify this by my SSN and tax info ) and I would be back to college after a month. I am an XXXX so my college insurance does not cover in this case. They only sent mail afterwards to my temporary address in XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015, and other dates. I did n't know about this entirely for two years until today. So I immediately called them to ask for explanations but they were unable to give any reasonable explanation why they charge me. They said it 's unlikely to spend only XXXX dollars at XXXX. I have no choice but to pay the debt immediately. I really really did n't earn this debt and paid the full amount when left the urgent care. I feel very frustrated and helpless as an XXXX who tried to get medical help for the first time outside the college. It 's better if they can at least text me or email me instead of just keep sending mail to my summer apartment. Why they can not try notify me earlier instead of after two years? Why they send the first mail almost three months later instead of immediately after my visit? They ( XXXX ) can not answer. Please help me ... ... please
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| 12/30/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is CMRE I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they 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, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CMRE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 01/10/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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CMRE Financial Services sent a letter for collection of a Hospital bill that I have no knowledge of ... I requested CMRE to validate the aforementioned debt along with proof of their credential proving their legal right to collect the alleged debt per the Fair Debt Collection Practices Act and the Fair Credit reporting Act ... This request was sent via certified mail by the United States Postal Service ... ( See Attached Documentation ) ... The first response from CMRE was to issue a supposed bill ( See Attached ) with absolutely nothing referencing the supposed original debt on a sheet of paper with no letterhead markings from CMRE or the supposed original debt collector..I then sent a letter of refusal of their claims of the alleged debt for multiple reason, all based on the first aforementioned request for validation which very specific information was requested in order for me to further investigate the alleged debt..CMRE did not provide any of the Lawfully requested information ... After I sent the refusal of the incomplete, flimsy and unanswered documentation ( Via Certified Mail per the U.S.P.S ) that was sent for their so called validation..CMRE responded with a letter stating the validation had been proven..CMRE is in clear and blatant violation of the FDCPA and FCRA..THIS DEBT IS NOT MINE! and CMRE has in no way proven this debt to belong to me after being giving the LEGAL allotted time to do so ... .I request that CMRE be investigated for their disregard of the federal statues, remove this erroneous collection from all three of my credit bureau reports and they cease and desist all collection actions of this erroneous debt
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| 12/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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On XXXX XXXX, 2014 My daughter went into children hospital for a procedure. I was ask to prepay the procedure in advance so that I would receive 50 % off. I complied and paid that bill. My son became ill during shortly after when I called for to set up a prepayment plan. They said they combined all the charges together and I was on a payment plan. I have been paying XXXX a month. In XXXX I started receiving different bills. So i called in. The operator on the line state the prepayment was not applied and it would be sent for management review. She said no way I should have anything to pay. IN XXXX I was sent a multiple bills. I then called in. The lady on the phone said the prepayment was not applied and I did not need to pay it. This would be sent to review. In XXXX I received another statement. Before I had a chance to call. I received a collection notice.from CMRE I then called them. They said it was XXXX from children which is what I pay monthly. They said to call children as if I am making that payment monthly it must be a mistake. I called children and then I was told it would be sent to management review pulled back and put in the payment plan I am playing. Today children called and said that they cant see anything although the first XXXX agents read the notes to me. It was in collection and they would not help me. A final statement was sent with no explanation of benefits. Now they are destroying my credit just because I listen to them and send them still to this day XXXX a month. As our payment was achieve. I can not help it if there agents split things off my bill and failed to explain what was happening.
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| 12/12/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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CMRE credit bureau showed up on my credit report with an erroneous charge for $XXXX for XX/XX/2018. This was sent to them for collections by XX/XX/XXXX (part of XXXX XXXX XXXX). When I called to inquire the person on the phone was very rude (I filed a complaint with manager). At first he would not tell me the name of the place that sent me to collections and then he wouldn’t give me the contact information so I could call to inquire. He told me not to tell him how to do his job when I asked for the information. He then hung up on me. I spent over 6 hours calling back and forth to the XXXX XXXX XXXX, my insurance XXXX XXXX XXXX and CMRE. XXXX XXXX said they had an incorrect address ( I never received any notice and they confirmed this) and they billed the incorrect insurance, they said CMRE would have to bill XXXX. XXXX said they will pay it if someone sends the bill and both CMRE and XXXX XXXX won’t send the bill for payment. This is impacting my credit negatively and creating hardship. I do not know what to do next. The bill should have been sent to my insurance originally.
Please contact me at XXXX XXXX XXXX, or email XXXX. Both agencies are at a stand still. I left a voicemail for a manager XXXX at CMRE and spoke to another agent XXXX, XXXX said she would only set up a payment arrangement (I don’t have $ to pay and should have gone to insurance) and XXXX never called me back. XXXX at XXXX XXXX said her and supervisor stated tey cant do anything and to go through CMRE and get names if they don’t send bill to call them back I did and no response has been received.
I want to file a complaint.
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| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2017 company CMRE Financial had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX credit agency and began to receive letters in the mail from CMRE regarding this charge/ account. I first contacted CMRE Financial asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX to file a dispute and they resolved it and removed it from my XXXX Report. Present day, I come to find it was also on my XXXX but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my XXXX report also since XX/XX/2017 and I was unaware. I tried to contact CMRE Financial to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX and after two disputes being filed, XXXX is claiming the fraudulent charge/account from CMRE Financial to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by CMRE Financial and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX the day of.
|
| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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XX/XX/XXXX an amount of {$480.00} is being attempted to be collected. XX/XX/XXXX an amount of {$170.00} and {$240.00} is being attempted to be collected. XX/XX/XXXX an amount of {$2500.00} and {$490.00} is being attempted to be collected. Statement date is labeled as XX/XX/XXXX from CMRE.
I have contacted CMRE multiple times over the course from XXXX to present requesting the itemized list of charges. I am provided with bills that do no provide service dates or service types. I made an agreement in XXXX to pay {$78.00} with XXXX ( XXXX ) interest and was paid monthly while still requesting receipts for payments made and what they are going to. I'm told constantly that receipts are " on demand/as requested ''. I've made multiple requests for itemized receipts and have yet to received one. I've called and have a case manager, who's name I do not remember and have left this person many messages with direction as to where to call me and have yet to receive a call back.
The letters I have received from CMRE are payoffs for accounts that are not listed on any bill/demand letter from CMRE.
As of XX/XX/XXXX I received a letter from another debt collection agency XXXX XXXX XXXX attempting to collect payments of XX/XX/XXXX, {$210.00} XX/XX/XXXX, {$280.00} and XX/XX/XXXX, {$2900.00} XX/XX/XXXX, XXXX for a total of {$4000.00}. These amounts do not match to the amounts by CMRE.
As of XX/XX/XXXX CMRE on their website published a charge for XXXX with no prior notification of any kind and has called to collect on this debt as well. A bill was requested and as of XX/XX/XXXX no bill has been received.
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| 07/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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CMRE financial services XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference number XXXX Account number XXXX To whom it may concern : I am disputing the above referenced alleged debt. I sent a registered letter through the United States post office on XX/XX/2022 and the letter was received at CMRE financial services on XX/XX/2022. I demand that you verify this alleged debt which you have not done and I requested this over 30 days ago yet you continue to harass me by calling my house which I demand that you stop calling my house. I am a XXXX recipient and have a XXXX policy therefore I only receive care that is covered by XXXX and/or my secondary insurance.
You have failed to validate this alleged debt therefore you need to stop calling and mailing me request for payment. Your only recourse is to resubmit your billing to XXXX if you feel theres an error on the part of XXXX or the provider - you need to re-bill XXXX!
As of this date you have not acknowledged my dispute letter over this alleged debt you shall not report anything to a credit reporting agency if you have you need to contact them and delete it from my credit report. Reporting information that you know to be erroneous or not accurate or failing to report information correctly violates the fair credit reporting act. You must Mail me a detailed verification of this alleged debt immediately within 10 days. This is your notification you shall not contact me about this alleged erroneous debt by phone and I am well aware of the fair debt collection practices act, 15 USC section 1692C, requires you to honor this request.
XXXX XXXX XXXX
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| 12/03/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a complaint against cmre financial services and XXXX XXXX XXXX
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX to attempt to collect a debt. I explained I was never treated by them and they could not find any record of me having been to any of their facilities. I asked not to be contacted again with regard to the matter.
On XX/XX/XXXX XXXX XXXX I began to receive junk calls that my call filter would filter XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX On XX/XX/XXXX the flagged call left a voicemail about the debt of someone names XXXX XX/XX/XXXX XXXX XXXX another call no message XX/XX/XXXX XXXXXXXX XXXX another call no message XX/XX/XXXX XXXXXXXX XXXX another call no message and XX/XX/XXXX 2 back to back calls XXXX XX/XX/XXXX another call XXXX XXXX with another message about XXXX XX/XX/XXXX 2 calls 1 at XXXX and another at XXXX XXXX leaving another message XX/XX/XXXX another call and message left XX/XX/XXXX another call and message left XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls 1 at XXXX the other at XXXX XXXX XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls and 2 messages XX/XX/XXXX another call XX/XX/XXXX another call and a message On the XXXX message I was able to get a name and find a number and call the company. They were rude. I am not happy about this, I tried to stop this from the beginning. This company made a choice to pursue this type way of making money and they clearly don't have a clue what they are doing as this is illegal and I want compensation.
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| 10/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am a XXXX Veteran. This is reference to Veteran medical debt. I am being billed for a hospital stay. The Department of Veterans affairs Authorized payment for all charges. This authorization was approved on XXXX. XXXX XXXX XXXX XXXX, the physician billing service has failed to process the payment and hired a debt collection service to come after me for the full amount. The debt collection Company CMRE continues to report this to my credit file and continues to bill me. It is a violation of federal law Title 38 U.S.C. 1703 to bill a Veteran for medical debt when the Department of Veterans Affairs has taken responsibility for the debt and issued a payment Authorization. The payment Authorization for this hospital stay on XXXX. XXXX XXXX is Authorization # XXXX. It was authorized on XXXX and can be verified with the Department of Veterans Affairs national community care office at XXXX. The Department of veterans Affairs called XXXX XXXX XXXX XXXX on XXXX and XXXX. Both time giving them all of the authorization information for payment. Both times XXXX from there insurance processing dept refused to delete this from my credit and has not followed through with processing. The Dept of Veterans affairs also contacted the collection agency CMRE on XXXX.They have had more than a reasonable amount of time to process this and is negatively impacting my credit and my health from the stress. The issue is not with me yet I am being punished. This is also a violation of the veterans protections in the fair credit reporting act section 603 15 USC 1681a as was amended in XXXX of XXXX.
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| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Was during covid, I was promised by CMRE that I could pay as little as $ XXXX {$50.00} per month payments and if I could pay more one month and skip the following month that was allowed. So I doubled paid one month and paid off all accounts in full by XX/XX/2021, CMRE reported delinquent accounts when they were paid in full and they did not honor their word verbal contract stating paying more one month and skip of a month payment when funds not available to pay was allowed. CMRE has been called at least 10 times Ive spoken to several agents who say they see all accounts are paid in full and that all bureaus will be updated. However they keep reporting delinquent or open account that is delinquent. This has impacted my credit score by at least XXXX points negatively. I even spoke to the CMRE manager back in XX/XX/2021 he said there is nothing they could do to reverse the negative report, even though I was told on several occasions during covid hardship that I could pay what I could, whenever I could pay double payment to cover up coming months payment and that I would not be reported negatively to the credit bureaus. CMRE medical collections company has been paid in full for all accounts yet they claim I was late payment XX/XX/2021 and had paid them XXXX double the agreed amount. I also paid off accounts XX/XX/2021 in another verbal promise to report my accounts positively to all three credit bureaus, this never happened. Ive checked in monthly and my credit report still has CMREs negative report from XX/XX/2021.
This has caused hardship in purchasing a new home.
|
| 09/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had sent CMRE financial a debt validation letter, because my insurance company had assured me this bill was paid, and CMRE was looking to collect this debt. CMRE returned to me a one page letter, with my name, account number, and a balance. I tried to contact the hospital to get some closure on this, and they said, since it was in collection, I had to deal with CMRE. This letter from CMRE obviously offers no help in finding out the details of this bill ( debt ). Not getting any satisfaction from CMRE, I filed a complaint with CFPB.
Low and behold after I complained to CFPB, CMRE sent me some sort of billing statement. This bill was like no bill I had ever seen. It had not mention or logo of the hospital on it. It looked like it was typed up by any kid on a computer. From what I can decipher, there were charges, payments, payment reversals, but no where on there was the word totals or a total amount due. No past due amount-NOTHING! There is no way this can be considered a valid verification of the debt. On my last complaint I did not check for the CFPB to publish my complaint, because I was hoping the company would remove this from my credit report, and that would be the end of it. But not this time. I want the company to understand that I will continue to complain until this gets resolved. Please note that in 2014 I was diagnosed with stage 4 XXXX XXXX and have generated tens of thousands of dollars in medicals bills which my insurance company has paid. Please check my credit report. I do n't understand why this one out of hundreds of bills is haunting me.
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| 05/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am battling stage XXXX XXXX XXXX . I was being cared for at XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX . We have been receiving many bills which were incorrectly billed to the wrong insuranc e carrier e ven though every time we seek care at any of their facility, the first question we must answer is if our insurance has changed. Due to an employment change, our insurance had changed and the hospital as well as their doctor billing were informed by using their own process and providing them with our new cards. In addition, if we could not provides insurance, their policy is not to provide service. We have been inundated with incorrect billing statements. Despite repeated phone calls and assurance from their representative " XXXX '', their incorrect billing was ultimately referred to a collection agency by the name of CMRE XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX CA XXXX . I keep getting collection notices by which I answer by stating that until their billing is corrected, no one really know what is my part of the bill due. CMRE is beginning to use the tactic of resending the same collection notice immediately after the XXXX day cycle expires in an attempt of confusing us and by missing XXXX of their cycles will give them the opportunity of destroying our credit rating ( which is impeccable ). All we have asked both from XXXX XXXX XXXX XXXX and CMRE is to provide the accurate accounting instead of treating us like uninformed uneducated consumers.
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| 10/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY.
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some.
Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
|
| 12/03/2021 |
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
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Web |
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CMRE FINANCIAL SERVICES has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also I still see no payment history, monthly payment, terms, limit, past due amount if there is, and date of last payment on this report. I know this is inaccurate and a clear violation so I demand your agency to send me a complete report and all the documents provided by the company as proof that this account belongs to me. Otherwise, delete it immediately How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
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| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Please be advised that CMRE is attempting to collect the alleged debt listed on my credit report. I previously requested verification of debt and I did not receive any proof that this account belongs to me. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CMRE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Enclosed I am re-sending an Identity Theft Victims Complaint and Affidavit supporting my position, and a a copy of a Utility Bill to prove my residency during the time the disputed account was opened. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Victims Complaint and Affidavit, you are required to cease furnishing the information resulting from identity theft to any CRA.
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Please close the account, remove the account from my credit report and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
|
| 11/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a medical treatment at the XXXX Hospital in XXXX XXXX CA back in XX/XX/2017, All the bills were submitted to my medical insurance XXXX which processed the claims and paid what was allowed.
Months later, I started receiving collections calls from CMRE. XXXX stating that XXXX XXXX XXXX XXXX of the XXXX XXXX Hospital has a bill of {$1200.00} that I need to pay. The same bill has already been processed by my insurance and said the charge was too high but only {$200.00} should be the allowed amount.
I tried getting more information from the CMRE collection agency but they referred me to talk to the hospital instead ; I then called the hospital which insisted my account has a {$0.00} balance due, all my bills have been paid but asked me to check with XXXX XXXX XXXX personal office about any outstanding bills. I called the Dr office and the assistance told me there was nothing in the system referring to any amount of money owed to them.
Therefore I called CMRE back again to request the immediate removal of the collection on my account which they refused.
This false collection has been on my account since XX/XX/2017 and hampering my ability to maintain a good Credit Score for a loan.
I need this mater taken care of as soon as possible so I can focus on other aspects of my daily life and future.
Thank you http : //www.cmrefsi.com/ NameCMRE. XXXX Phone ( XXXX ) XXXX Business TypeYC Street AddressXXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateXXXX ZipXXXX https : XXXX
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| 10/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I had a missed call the morning of XX/XX/XXXX, I followed up out of curiosity and it was a person on the phone trying to get personal information from CMRE Financial Service. Multiple times throughout my first phone call I was aggressively to make payments on a {$1500.00} charge. After pressing I was informed by CMRE it was XXXX charges of {$1400.00} from XXXX ( The hospital in my area ) on XX/XX/XXXX {$140.00} from XXXX XXXX on XX/XX/XXXX The first charge is from a recent XXXX I had at the XXXX, I am in the process of financial aid paperwork and I confirmed all my charges are on hold.
The second does not align with any services I have received and doubly I have recently ( last 6 months ) cleared my debts and credit report, a literal clean slate as described by my financial officer.
Both of these circumstances threw up red flags for me and after so time on the internet directed me here. Attached, I have followed up with a Debt Validation Letter via email to the company after a final phone call. They directed me to use email or fax instead of a written letter and provided with the contacted email. I have also attached a screenshot of the email in case the first attachment files type causes issues.
My credit isn't great and I have had medical debt haunt me for the better part of my life, I have done my time, paid my dues, and I am finally in the clear. This is my effort to prevent these predatory practices to negatively affect me or others in the future.
|
| 10/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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CMRE Finance Services is in collusion with XXXX XXXX XXXX XXXX to extort money from me for a bill that was already paid by my husband 's insurance.
XXXX XXXX was billed for the XXXX {$1100.00} ( XXXX XXXX XXXX XXXX ) and for the physician, {$1800.00}, ( XXXX XXXX XXXX ). XXXX XXXX then sent us a bill directly for the {$1100.00}. I told them our insurance had paid XXXX XXXX XXXX. Rather than check the facts they sent it to CMRE for collection. I told CMRE the bill was paid and sent them a copy of the insurance statement Rather than check the facts they filed a collection on my XXXX credit report. I sent a letter to XXXX to investigate. They took the word of CMRE Financal.
I have sent letters to CMRE and have spoken to them on numerous occasions and have spoken to a manager named XXXX. Their story kept changing. First they said the {$1100.00} was not for XXXX XXXX XXXX that it was for the doctor. I questioned this since it was highly unlikely that the XXXX and the doctor would charge the exact same amount. They then said the doctor 's original bill was for {$1800.00} and that the {$1100.00} was the settlement amount. I told them the doctor had billed directly the {$1800.00} and was paid. How did they know what the original doctor bill amount unless they were working with XXXX XXXX? I sent them the XXXX XXXX statement showing them this. They said they would look into it. Since then they have not returned my calls and my credit report shows the collection.
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I had XXXX different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( CMRE Financial Services ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX.
I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ).
I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed.
2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.
|
| 01/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Correct insurance was provided to the hospital. The hospital used expired insurance instead and we were never informed about it. We monitor our medical claims and nothing came through medical claims and we were unaware. Suddenly this collection claim showed up on the credit report ( claim amount = {$2400.00} ). Once we investigated we found out that the charge was incorrect since insurance was never used. If insurance is used this amount will decrease by 80 % or more.
We contacted collection company on XX/XX/XXXX and they advised us to call back in two weeks. We called them today ( XX/XX/XXXX ) and their agent with very hostile attitude responded. She wouldn't let me talk. She promised to contact us when the correct amount is settled or if they have question but no estimate was provided. I asked if they will fix the credit report since the charged amount is incorrect due to hospital not using the provided insurance they said it will be at the discretion of her manager. If it is incorrect charge they should fix it as they claim to report correct information, which is the case here.
In summary, the charged amount is incorrect and we didn't know about it since insurance claim was not filed. Now they are being rude and instead of trying to help they are ignoring the fact that it is their fault to begin with. We are requesting them to process correct insurance as they should have to begin with and remove it from credit report since it is their fault.
|
| 08/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I received a collection notice from CMRE Financial Services on XX/XX/XXXX for XXXX XXXX XXXX XXXX Date of Service on XX/XX/XXXX. I immediately contacted my insurance to fix the error and the claim was correctly processed and paid to XXXX XXXX XXXX on XX/XX/XXXX. I have contacted CMRE Financials to close this case and have spoken numerous times with their debt collectors who assured that they " will open an investigation '' and I will be receiving a verification in writing that the account/case will be canceled. I also faxed the Explanation of Benefits to them twice at their request. ( Note attached docs ) XX/XX/XXXX - my initial contact when I received the notice. Spoke with XXXX XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX who opened an investigation and assured that it will take 7-10 business days to resolve. On XX/XX/XXXX I faxed the EOB to ( XXXX ) XXXX XX/XX/XXXX - spoke with XXXX who never called back to confirm fax receipt XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX and faxed the EOB again to ( XXXX ) XXXX on XX/XX/XXXX After all of this, I'm receiving a new collection notice dated XX/XX/XXXX last Saturday, XX/XX/XXXX. Can you please address my complaint with CMRE Financial Services who should not be in this business due to lack of best practices? There is clearly a disconnect within their organization that may negatively impact on customers ' credit scoring.
XXXX XXXX ( husband ) of XXXX XXXX XXXX ( debtor )
|
| 08/12/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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CMRE has credit reported XXXX accounts on my credit report without appropriately disclosing that adverse remarks were going to be placed on my credit report. I was never notified nor given the opportunity by either the original creditor or CMRE to pay my debt to them before it was sent to collections and subject to remain as an adverse remark on my credit profile for over 7 years. This long term credit score damage is severely crippling as a consumer, and subjects me to less than favorable terms for financing.
This is an unjust practice that misrepresents my true credit worthiness.
Since the integrity of the credit reporting system is important, errors like this should be resolved immediately and investigated thoroughly. On several occasions, I have documented communication with CMRE regarding there failure to properly disclose that I owed them any monies, that there clients also failed to send a bill, thus I was robbed of my opportunity to rectify this situation in a time frame that would have resulted in no long term credit damage.
I have sent three written communications to CMRE explicitly detailing my concerns. One response was completely inappropriate and seemed like an auto-generated form letter that did not in any way respond to my concerns, and the other times they have completely ignored my requests. Therefore, I have no choice but to seek the assistance of the CFPB in order to have my concerns heard and resolved.
|
| 06/17/2022 |
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
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have requested debt validation for multiple accounts on XX/XX/XXXX and XX/XX/XXXX from CMRE Financial Services ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for the accounts listed above. This company has failed to validate my dept per FDCP section 809 validation of debts [ 15 USC 1692g ). which states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I specifically requested CMRE to provide the following info : The amount of the debt ; The name of the creditor to whom the debt is owed ; Provide a verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in ( insert name of your state ) Instead of CMRE Financial Services validating my dept, they have decided to not respond. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to a verification letter.
|
| 09/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I use to have a medical bill, from XXXX XXXX Hospital XXXX XXXX California. Although my insurance paid part of the bills and I was a student at that time. I filed for some bill assistance program with the hospital and my bill was overlooked and forgiven.
CMRE Financial services located at XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Contacted me in regards to this bill and I was confused, I taught the hospital was messing or joking with me. In XX/XX/XXXX I went to basic training dont have access to my phone. When I got out of basic training I saw 3 collections on my credit report from CMRE.
I contacted the hospital and I was told my I dont have any pending or outstanding bill that my bill was forgiven last year XXXX. I spoke with several billing officials of the hospital and was told they never send my information to any collection. I was even told CMRE isnt the collection agency the hospital use for collection, and high means XXXX XXXX Hospital XXXX XXXX dont have any affiliation with CMRE financial services.
I called CMRE and explain that to them, then asked them how they got my information since XXXX XXXX Hospital denied releasing my information to them. They have classified information of me, they have my phone number social security number and my home address.
CMRE hanged the phone on me, and their collection still appear on my credit report till date, my credit report went down by 70points because of them.
|
| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I contacted CMRE financial on today because there was an account placed on my credit for {$130.00} balance obliviously from when I was seen by XXXX XXXX XXXX for the XXXX bill. This was said to be paid by my insurance XXXX. The account obivously had a balance on it of the {$130.00}. When the first representative got on the phone before asking me anything immediately placed me on hold and transferred me to another very rude and unprofessional representative who spoke to me as if I was a child or had broken some type of law. She was very degrading and down talking. I tried to explain to her that I was not aware of the balance or had I received any type of communication of such. She did not give me any options to resolve this matter and stated that it would not be removed from my credit. I have worked very hard and as a XXXX XXXX to maintain and keep my credit in a very good standing. Also pursuant to Texas law medical bills should not be reported to your credit report at this time. This is a direct violation of my consumer rights. I have reordered the conversations of how I was treated and attached them below. If this is not removed as I would like to resolve it I will be forwarding to my attorneys office immediately. THE FDCPA has standards to how a consumer should be treated and I feel as if my rights pursuant to the FDCPA has been violated. I am also forwarding a copy of my complaint to the California AG 's office.
|
| 11/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I called the company and ask for proof that the debt is mine and they refused. I asked for an original bill or anything with my signature and they said, they don't have to supply it. I ask to speak with a supervisor and they always put me on hold and then the call is disconnected. I have been trying to remedy this incorrect charge to no avail. I did file a complaint with the credit report agencies, but all they say is " Account information disputed by consumer, meets FCRA requirements ''. I even called the hospital and they say they have no information of anything sent to collections, I ask for the date of service and they failed to supply that information. I have tried to gather information and am unable to get it and the companies in question are not giving me the required information.
I am retired and on a fixed budget, I have to check where I am spending my money. I don't have much and I do not believe this bill is accurate. I keep getting the run around and it not fair and I find it abusive to me.
please help.
CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX - {$270.00} Needs Attention Overview You have 100 % left to pay on this collection.
Balance {$270.00} Highest Balance {$210.00} Opened XX/XX/XXXX ( 2 yrs, 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX
|
| 11/17/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I recently pulled my credit on XX/XX/2016 and found a debt with CMRE for {$180.00} I do not know what this is for and have sent XXXX letters XXXX which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tide to such debt. I tried finding CMRE only to find that they are not licensed in the state of Florida to collect for any debts in this state. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days it was deleted than just added back on. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first since the debt will expire on XX/XX/2016 anyway. However should they not take immediate action and delete with the credit bureau. I will sue for XXXX for 1 ) defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting act. FCRA 623 ( a ) ( C ) {$1000.00} per occurrence This is effecting my credit negatively and has been humiliating and emmbarasing. The state will fine them as well. It would be foolish to ignore me I have kept excellent records with all communication for the purpose of filing with the FTC and XXXX office regarding all non-compliance of Federal laws. Thank you for your help.
|
| 01/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX my adult daughter XXXX XXXX XXXX was in a car accident driving my car and was taken by ambulance to XXXX XXXX XXXX XXXX XXXX. She was not cooperating with the trauma team due to her condition and XXXX admitted her using my name and date of birth ( I'm assuming they obtained my name from the vehicle registration ). Even though they had her medical card! I was horrified to find out my medical privacy was violated when I noticed my daughter 's ER visit to XXXX XXXX XXXX XXXX XXXX was entered into my XXXX XXXX medical record as if I was her and the patient on that XXXX visit with them! They have may age, height, and weight all incorrect as well. I also received a collection notice attached here for the services they provided to my adult daughter. She is not a dependent and does not live with me. I've made numerous calls to the XXXX XXXX XXXX at XXXX and each time they assured me the information is corrected. Here we are months later and the information is incorrect in my XXXX medical record. They need to correct the XXXX XXXXXXXX XXXX link now. They also need to correct the billing information from the XXXX XXXX XXXX XXXX XXXX and CMRE FINANCIAL SERVICES , INC to reflect my daughter 's information XXXX XXXX XXXX XXXX. XXXX. I filed a dispute with them too and I'm unable to obtain what they are asking for because I was not the patient! Any assistance you can provide will be much appreciated!
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On Wednesday XX/XX/XXXX I contacted CMRE who is a debt collector attempting to collect a debt on a medical bill. They left me a voicemail, I promptly returned their call. I obtained the details of the account when speaking with XXXX, and we worked out a settlement of {$210.00}, a discount from the original balance of {$310.00}. In that particular moment, I was not able to complete the transaction as I had to review my finances and ensure that the {$210.00} would not leave me with no monies for the rest of the month since I only get paid once a month. I advised XXXX I would call back within 48 hours and finalize this. Once I called back on XX/XX/2018, I had the unfortunate displeasure of speaking with " XXXX '' who was simply rude, unprofessional, distasteful and insulting. I was at a lost for words at the way she was treating me, talking to me, and flat out intimidating me with her tone and inflection. I tried to reason with her, explain to her but kept get getting cut off by her. She was not wanting to honor the {$210.00} pay off quote I was given and was attempting to co-erce me into paying the full amount. I tried to explain to her I could barely squeeze out the {$210.00} and now she is trying to bait and switch me into the {$310.00} - I could not even get a word out. It was her way or the highway. I'm shocked, upset and frustrated. I never want to deal with this person again.
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by CMRE FINANCIAL SERVICES , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
I was overbilled by the medical serve companies for unnecessary procedures and I had insurance at the time, which they failed to bill, although all this information was provided to them. I tried to get a fair solution over the phone with CMRE but it was denied.
Im dealing with a very severe issue, that has caused me tremendous harm, but has a simple solution. I will pursue this matter in arbitration for damages and injunctive relief. CMRE FINANCIAL SERVICES XXXX INC. Has committed multiple violations on my reports, dragging my score and having my financial freedom tied up because of their negligence : Violation of California Credit Reporting Act.
Negligence.
Unfair Business Practices Failure to report account as disputed.
Misrepresentation of facts.
Account has been re-aged.
Reporting wrong last activity date.
Account information : CMRE FINANCIAL SERVICES , INC Account Number : XXXX XXXX Date Opened : XX/XX/19 High Credit : {$1700.00} Account Type : Collection Remedy : Deletion of accounts from all credit bureaus.
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| 11/30/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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First received notice in XXXX about a debt owed in Los Angeles at XXXX XXXX XXXX XXXX. They state that I have an account from services received, but no details about what services I supposedly got, on dates that I was in XXXX and working in XXXX XXXX XXXX XXXX XXXX ). They state that I was in their XXXX XX/XX/XXXX and XX/XX/XXXX I was a allegedly a patient there. I have never received services from this facility. I also have not been to Los Angeles for over 20 years. I attempted to call them to inform them that this was not my debt. There was no answer at the number provided. I attempted several times over the course of a few months. I left a messages saying that this debt did not belong to me. There was no response, and still no answer when attempted calling, so I forgot about the supposed debt.
I have now received a letter from a group called CMRE financial Services , Inc . They assert that I still owe this debt, and if I did not respond by XX/XX/XXXX they would assume that I owe the debt. I have attempted to call them, but again there was no answer. I left another message, again stating that I do not owe this debt, and have never been to the facility mentioned or been in LA. I am worried how this will effect my already woeful credit situation. Please assist me in correcting this matter, as the companies I am dealing with are unavailable for contact.
Thanks!
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| 09/21/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XXXX XXXX XXXX I visited the XXXX. I paid my deductible per XXXX XXXX ( my health insurer, at the time ) and received a statement that the claim was settled. A few months later, I received a bill from the XXXX doctor. I contacted them and asked what the bill was for and they stated that they didn't work for the hospital and it was part of their billing. I immediately contact XXXX to complain, given I should only be responsible for the deductible. They agree and informed me this was called Surprise Billing and not to pay it, they would handle the claim. About 6 months later, I began receiving requests to pay this doctor bill from a collector. I told them I was informed by my insurance company to not pay and forwarded the statements to XXXX. In XX/XX/XXXX, I applied for a Home Equity Loan and was very surprised to see I was denied and immediately ran my credit report. The debt collector for the XXXX doctor reported this Surprise Billing negatively on my credit report for both XXXX and XXXX. I again contacted XXXX and asked why this hadn't been taken care of, as they stated they would. They pull the claim and said they would again take care of it. This has affected my credit negatively and repairs needed on my home. It now illegal to collect on Surprise Billing and I am stuck in the middle between an unsavory debt collector and my health insurer. I need help!
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| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received my credit reports on XXXX, Notice a negative report sent to collections for the amount of {$360.00}, ( if i hadn't request my credit report i would'nt never known about this ) also reported an unknown address in my credit report.
I called XXXX to file dispute on XXXX, XXXX asked if i contacted the collection agency shown on report i said not yet, I figured call XXXX first ; XXXX suggested to me to give CMRE Financial service a call and let them know the situation.
I called CMRE Finan Serv on XXXX and talk to a representative to file dispute on my behalf, I was told the SSN # they had matched my number, I told the CMRE representative the address shown on my credit report was not my address, That I've lived on the same address for over 40 yrs, I told the CMRE representative it was not me ; that it was not my bill ; that I never lived on the address shown in my report ; in XXXX Tx I never received any services on the location shown on my credit report ; XXXX XXXX XXXX, The CMRE representative mention was for services provided on XXXX for a Chest Ex-ray, again I said it's not me you have the wrong person.
I called again talked to a CMRE representative on XXXX to ask for an update on my case, they said it was going to take some time didn't know how long ; case was still under investigation, CMRE representaive suggested i file a police report.
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| 06/03/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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After a hospital stay on XXXX my hospital bill was sent to my insurance and the remaining copay was sent to my address by XXXX XXXX, upon receiving this bill I payed my copay. On XX/XX/XXXX I received a call from a debt collector ( CMRE ) stating that I did not pay a medical bill from XXXX XXXX. After contacting XXXX blue cross they stated that XXXX failed to properly bill my health insurance and also failed to correctly write down my address so I did not receive any bills in the mail or correspondence regarding this bill.
I have contacted XXXX XXXX and asked for the bill and they refused to email me the bill and refused to help me in any way. They stated I must deal with the debt collector. I contacted the debt collector and they refused to acknowledge that I have full medical insurance through my employer. My health insurance has paid this medical and I am still receiving calls from the debt collection agency and this will adversely affect my credit and my ability to obtain a XXXX I am currently in the process of obtaining.
I would like XXXX to immediately contact CMRE the debt collection agency to desist and remove any and all debt collections that may appear on my credit in regards to this medical bill. My Insurance has paid this claim and I should not be getting harassed by a debt collection agency because of mistakes made by XXXX XXXX.
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| 02/28/2019 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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A collection company by the name of CMRE ( phone number : XXXX and email : XXXX ) has mailed me a letter dated XX/XX/2019, stating that I owe {$5.00} to XXXX XXXX XXXX.
I dont know anything about this debt neither have I ever received a letter regarding that debt.
Obviously, I want to find out what is it?
You might thing it's simple, and that i just call or email this company and they will explain it to me.
NO!!!!
I have tried calling them many times, no live person ever picks up the phone. I have left voice mails. i have emailed them, even threatening to sue them if someone from their office does not return my calls or respond to my email.
So far, no one has contacted me in any way or form.
I have a fico score of 780+ which i have worked hard to attain in the past 10 years.
This collection attempt could ruin it and greatly damage my credit worthiness and my financial future.
I am asking for your help to contact these people and have them contact me so we can settle this issue.
I have also done the same with XXXX XXXX XXXX, calling and emailing. Same exact issue. No one has contacted me, no one has responded to my voice mail messages and email. I only received an " Auto Reply '' from them ( XXXX XXXX XXXX ), which was never followed up on by a live person.
I am in a delima and need your help.
Thank you very much XXXX XXXX
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| 03/22/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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CMRE FINANCIAL SERVICES INC.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX Phone : XXXX Fax:XXXX Manager : XXXX XXXX Attached is a print screen of my credit card statement payment/receipt directly from XXXX and XXXX XXXX XXXX.
Payment was made on XX/XX/XXXX to CMRE Financial Services Inc. On behalf of Creditor " XXXX XXXX XXXX XXXX date of service XX/XX/XXXX for a bill that is over 6 years old and when I was on Medical. '' Payment was made by XXXX Master Card for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX XXXX XXXX XXXX for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX Amount was paid in full with the agreement CMRE Financial Services Inc. will remove it from my credit report on XX/XX/XXXX.
Removal never happened and on XX/XX/XXXX I called CMRE Financial Services informing the bill is still on my report, CMRE now informed me they do not do removals.
Total : XXXX triple the amount the credit reporting agency is currently reporting XXXX XXXX XXXX XXXX Since XXXX of XXXX to current : I have done every dispute on XXXX, XXXX, and even got XXXX XXXX XXXX ID Case # XXXX Paying a monthly fee to have this removed from my credit report. XXXX XXXX can not reach anyone in CMRE FINANCIAL. XXXX XXXX Claims to have sent letters to CMRE, XXXX, and XXXX.
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| 10/24/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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*To Whom It May Concern, The reason for my dispute is CMRE FINANCIAL # XXXX**** was required to notify me no later than 30 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 that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE FINANCIAL 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, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CMRE FINANCIALfailed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CMRE FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 09/27/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have called the collection agency on several attempts Ive asked to know the dates for the services they say I received and they do not know Ive explained that I have never gone to XXXX XXXX especially not in XXXX as it says on my credit report I have no idea why XXXX XXXX did not bill me directly if in fact I did receive services from them plus the collection agency is reporting the same claim in 4 different collections making my credit report have 4 derogatory marks Ive also told the collection company that I am dually insured and never have to pay any balance for any medical service because I have ppo insurance with XXXX by XXXX XXXXXXXX XXXX of XXXX Illinois fund and full Medicare Plus for any services that are not in a hospital require a claim form to be filled for specialty services So I would have received a letter from my insurance to fill out for this claim which I have not or if I had to go to this certain imaging company on my doctors referral I would have called my insurance to advise them that my doctor made the referral and faxed my insurance the referral for them to fill claim form so that I would be covered beforehand and not have to wait for a bill then fill the claim form I never received any bill from XXXX XXXX They continue calling and calling after Ive made several tries to have this issue resolved
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| 10/31/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX has been a thorn in my side for many, many years. Their staff & collecting agencies don't know what they are doing, how to run insurances, nor are they properly trained, and their medical practices & procedures go against common medical laws, bordering on medical negligence e.i. life threatening & damaging. It's NOT my fault they refuse to or maybe they just don't know how to run/bill the insurance properly, so I shouldn't have to pay for their wanton thoughtlessness.
Now, I have 3 types of insurance, and XXXX XXXX has ALL OF Them on file.. XXXX, XXXX and something called Qualified Medical Beneficiary ( QMB ) Program. I will attatch those pictures of the insurances and cards with this to prove it, and it has the dates of coverage on it, so they can't lie and say I wasn't covered or they didn't know either.. But my Children 's information is none of your businesses, therefore I will XXXX them out..
XXXX pays about 80 % of everything, XXXX takes care of the rest, and if by some XXXX XXXX chance something else, like a co-pay, deductible, or a coinsurance is owed, XXXX takes care of that little problem.
So, with those facts in mind, in my conclusion : There is no way on God 's Green Earth do I owe them ANYTHING, period. Now take this off of my credit report, running my credit scores down, ASAP!!!
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| 08/01/2015 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider.
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| 06/16/2020 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This seemingly illegitimate debt collection company has repeatedly called me even after I have told them not to call me and to only send mail correspondence. The debt collector was extremely rude and offensive. I asked for a settlement offer and the agent on the phone was very demeaning and said that I had to pay the full settlement immediately on the same day or that it would be void and that I would not be offered a settlement amount again. I told her that I absolutely want to pay the amount offered, but that I wanted something in writing prior to paying that amount as proof that they were going to accept that said amount to settle the account out. She refused to email me something and said that they could only mail me something which would in turn void the settlement offer that she was offering me. This is shady business practice and I don't feel comfortable paying a company that operates in this fashion so I attempted to contact the hospital where the bill was incurred and they informed me that they could not recall the account and that I had to deal directly with this shady collection agency. From what they've been putting me through I do not feel obligated to pay this debt and would like it removed from my credit report immediately. Please let me know the steps to take from here. Thank you for your time.
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| 06/07/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this CMRE FINANCIAL SERVICES account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even though they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that was generated the original balance is {$1700.00} but as of this writing, it is now reported to be {$3000.00}. As far as I know, I never agree to any terms and conditions for this reporting nor I did not agree to any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in the right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damages consumers rights.
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| 10/16/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XXXX/XXXX/XXXX I was called in regards to a {$51.00} bill presumed to be my responsibility. I had asked the representative what this bill was in regards to. It was from a medical bill on service date of XXXX/XXXX/XXXX for an emergency room visit. I had explained to the representative that my husband is XXXX XXXX XXXX and we are covered medical insurance. Representative had stated that I still had patient responsibility of {$51.00} after insurance pay out. Asked if I could phone insurance company to verify and see what the discrepancy is. Called medical insurance and they stated that original biller had input the medical codes incorrectly and I was being double billed. Insurance agent stayed on the line as I did a conference call back to collection agency to clear this issue. I was hung up on and spoken to disrespectfully with insurance agency as a witness to verify how I was treated. Insurance agent and myself got very frustrated and frankly also was appalled by their actions. We tried to explain how to fix it after 3 attempts at calling with rude language and getting hung up on. I then asked if I could get information of original biller so I could work directly with them and was rudely told good luck finding their information online. Completely unprofessional practices when trying to resolve an issue.
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| 07/05/2022 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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THIS COMPANY IS CLAIMING I OWE THEM MONEY AND THEY ARE AFFECTING MY CREDIT SCORE.
I have submitted multiple requests to this company asking them to provide me with a copy of the original document of the debt ; I need to see the information of the so call debt I signed. I requested the documents from this company via XXXX XXXX, CFPB, and XXXX.
======================================================= I am requesting a DEBT VALIDATION LETTER, The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor.
============================================ tHE CFPB WEBSITE states -- -- > " Warning : Telling a debt collector to stop contacting you does not prevent the debt collector from pursuing other legal ways to collect the debt from you if you owe it, including a lawsuit against you or reporting negative information to a credit reporting company.
Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor ''
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| 05/13/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Last month, when I was trying to apply for an SBA loan, I realized that CMRE Financial Services reported a collection matter on my credit report. I contacted them and provided them with proof of payment ( cancelled checks ) of the amount XXXX XXXX XXXX XXXX XXXX billed me for ( the amount my insurance did not cover ). I made numerous calls subsequently to follow up with CMRE. Today, I called again, three times. Each phone call ended up with the employee hanging up on me when I asked them to provide proof that I in fact owe this money. Instead of agreeing to provide proof of the money they claim I owed, I was told to contact my insurance company to ask them why they did not cover the amount they claim I owed. When I tried to explain that it's not the insurance company that's trying to collect from me, and that I needed proof that I indeed owed {$1000.00} to the hospital, I was hung up on. ( I will admit that I was not patient with the first customer service representative, but I was with the second and third one, and yet they both hung up on me when I did not accept their answer that I should contact my insurance company. ) This collection matter has ruined my credit and my chances to obtain an SBA loan during these challenging times due to COVID-19, and I need to get to the bottom of this collection.
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| 02/28/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have paid in full a medical collections XX/XX/2020 and CMRE XXXX has reported to my all three credit bureau and they will not remove it from one major credit bureau XXXX to date. I have disputed many times and they will not remove/delete. Even with results of dispute that they are reporting accurately with a XXXX balance. they negativity reported me as i was in agreement to make payment and I was affected but COVID 19 and missed one month. I made contact with CMRE and they gad already reported to credit bureau 's so I paid the remain balance in full of {$390.00} which one was one month that I missed and they reported without making contact with me by call or mail to give me a fair opportunity to pay in full before reporting. I have been spending much expense by XXXX XXXX to help me get them to comply and remove/delete from my credit report as this as affected me by getting denied for applying for a credit card due to this error reporting. Please help me make CRME responsible for this as XXXX and XXXX have removed/deleted from credit report. I have letter mailed to dispute from XX/XX/2020 and still either parties will remove CMRE from XXXX credit bureau.
Please inform me who is party that is responsible for this XXXX OR COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
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| 11/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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On XX/XX/XXXX CMRE Financial Services contacted me by letter about a medical bill. I wrote back that it was disputed because the amount was seriously in error, due to a long series of mistakes by the health insurance company. I wrote CMRE five times between XX/XX/XXXX and XXXX, giving each time the best information from the health insurance company, each time offering to negotiate a settlement based upon the best current information, but they have not answered any of those letters.
My letter of XXXX gave an amount owed which seems to have corrected the large errors that had persisted, so that the account could finally be settled, and I informed CMRE that if they would send a letter stating that if the indicated amount was paid immediately, and they agree to delete any information they may have posted with the credit bureaus, I will immediately send payment.
I have gone to great lengths to get the correct amount resolved, including a grievance with the health insurance company and a complaint to the California State Department of Insurance, however CMRE has not responded.
In my letter to CMRE on XX/XX/XXXX, I said if they will send me the requested acknowledgment letter to close out the account the matter will be resolved, but they have not responded.
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| 12/28/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX at XXXX XXXX is trying to balance bill a XXXX patient after XXXX paid them for the hospital stay in XX/XX/XXXX. I meet my deductible so I had no copay. They are balance billing me for the remainder of the bill which is {$32000.00}. In XXXX I tried to resolve this issue and it on record with XXXX about the balance billing. XX/XX/XXXX I received at debt collection letter for money owed by CMRE Financial Services. Which I was told by a XXXX XXXX that I was going to be sued if I do not pay the money and was told that the hospital was allowed to balance bill me because the law states they could.
Also received a debt collection letter from same company stating I owed {$3300.00} for services in XXXX at same hospital. As I and XXXX and XXXX have tried to straighten out the fraudulent billing XXXX XXXX at XXXX XXXX Hospital would not cooperate with XXXX in their investigation I received a letter from XXXX that the hospital would not respond to their request and the debt was not mine.
So I tried to resolve these matters in XXXX and XXXX think that they have been resolved since I have not heard from the hospital till I just received two collection notice 's and a treat to be sued for debt that's not mine and have been reported to the credit agency.
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| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have filed a complaint with XXXX and called and made a compliant - filed disputes with both. In 2016 I was heavily in an XXXX. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the outstanding XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX and Ive been XXXX and in XXXX since.
I have called and explained the situation to both XXXX and CMRE, which I was told by both there would be an internal investigation. I did ask CMRE for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX and XXXX CMRE was removed. So it seems its more of an XXXX issue resolving my disputes.
I have not had a doctors appointment in years, even to date- almost 3years XXXX XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.
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| 02/03/2017 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have been disputing XXXX accounts with CMRE asking for Validation of these debts and have sent XXXX letters which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tied to such debt. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first. However should they not take immediate action and delete with the credit bureau. I will be seeking {$3500.00} in damages for : 1. ) Negligent Reporting 2. ) Violation of the Fair Debt Collection Practices Act.
3. ) Violation of the Fair Credit Reporting Act This is effecting my credit negatively and has been humiliating and embarrassing. I have kept excellent records with all communication for the purpose of filing with the FTC office regarding all non-compliance of Federal laws.
Before I sue them for violations and other damages I would like to see if this will let them know I take my bills and credit seriously.
Thank you for your help.
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| 04/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have not received any written notification of this debt by CMRE. I i was called about a debt in XXXX of which i made payment in good faith & requested Dr 's information or the clients they represent, however i have not received any receipt of that payment or any other payment reminders or even details how this debt was accrued.
i never got a bill from any doctor neither do i remember receiving any information neither by call or in writing from CMRE, this was only brought to my attention, when it appeared on my credit.
i am in the process of purchasing a home and attempted to pay them {$100.00} though i already mentioned this was mistaken identity.
they threaten to put this on my credit if i did not pay, so i paid them just to avoid any discrepancy on my credit.
well come to find out they reported falsely to my credit and have engaged in XXXX style tactics, threatening and harassing me since i made my first call to them..
i need justice and a refund, they should delete this from my record and provide the Dr or Hospital details that gave them my information, so they can be sued.
falsely reporting to my credit has caused me great financial loss and i am in the process of losing the Ernest deposit i made.
|
| 04/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I have had insurance since I was born. Ever since I moved to XXXX the hospitals seem to put negative marks on my credit to collect money that insurance has already paid I dispute the negative marks and they go away because it has already been paid by insurance. This seems like an insurance scam. On XX/XX/XXXX XXXX XXXX XXXX XXXX put a collection account on my credit for {$1000.00}. I have called the hospital each time and they say that I do not have a balance ever and that my bill has always been paid by insurance in full. I called XXXX XXXX XXXX XXXX billing department directly and they say the same thing that I do not have a balance and all bills were paid in full by insurance. How do I get them to remove negative marks they put there if they claim it is not them and block them from putting anything negative on mu credit in the future? This is not the only company that does this. XXXX XXXX XXXX XXXX XXXX does this as well. On XX/XX/XXXX they did the same thing and it still has not been removed. I have called and they say I have no balance and all bills have been paid by insurance in full. How do I get them to remove the negative mark and block them from future fraud that they keep doing to my credit?
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under -CMRE-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor.
Call XXXX XXXX XX/XX/2022, XXXX pm.
Call XXXX Time : XX/XX/2022, XXXX pm Call XXXX Time : XX/XX/2022, XXXX pm There we at least XXXX additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me.
I am currently seeking financing and this is holding me back. Please remove disputes expediently.
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| 01/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. Ambulance Ride XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} {$1500.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation.
I appreciate your time and attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX This companies reporting the same debt twice on my XXXX, XXXX and XXXX reports. They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it.
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| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On my medical bills, I have california, XX/XX/XXXXcompensation I have had it for 26 years and they still don't bill it I even worked at one of the XXXX for 16 years and they still don't bill it correctly. I have this years new award letter. I get every year.Due to Complex XXXX I have XXXX XXXX and XX/XX/XXXXXX/XX/XXXXbut why do I have to have had credit because they don't do it right.a victim should be victimised by the bill for treatment on her credit. Just saying.so please remove it and after being told 26 years to bill it right can't u make a note on ur system instead of bringing my credit down cuz someone didn't bill it properly XXXX I have XXXX debt on credit and most is medical and can email u a copy of award letter please remove it thank u and I apologise but I'm trying to buy a car and I shouldn't have to do your companies billing just so I can have a proper credit rating to buy a car. Please don't be offended I know how billing Is I understand but from this side I have to fix the billing on my medical before I can buy something for 26 years it gets old. I was abudted in XX/XX/1993so that's along time of fixing it Everytime I want to buy somethint. Thank you have a great day
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| 07/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX works with hospitals to read XXXX. Unfortunately they also bill the patients separately and do not run Patient insurance. Therefore every patient Supposedly gets a bill in the mail. The bills have no date of service and no identifying information. The only reason I know All of this is because I have Spent months trying to resolve this with their collection agency. When you call the collection agency they dont care at all that this is happening and keep referring you back to the number that goes to voicemail. All I need them to do is submit the claim through my health insurance. When you call the number they have listed it goes to voicemail 24-7. No one ever answers the phone.
When I first received a bill for this I sent the form back with my insurance information on it and ask them to run it through my insurance. They did not. When I got the information from the collection agency, I left A message and someone took down my information and said they would file it. They do not file it. They just keep sending you bills that threaten to report you to a collection agency.
XXXX XXXX XXXX XXXX and see there are 70 XXXX reviews from people caught up in the same loop that I am.
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| 01/25/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was admitted to XXXX XXXX XXXX XXXX back in XXXX XXXX. A few months went by and I received a letter from CMRE Financial Services, which is a debt collector. Turns out that the Emergency Room put me down as having XXXX XXXX insurance rather than the insurance I had which was XXXX XXXX XXXX XXXX. The Hospital portion was paid through my insurance however, the physicians bill has not been paid yet. I have been dealing with the collections agent since XXXX or XXXX XXXX and the status has still been the same : " we are billing your insurance ''. I have XXXX inquiries on my credit until this issue arose and I am trying to work with the collection agency to try and resolve this problem however no one is willing to help. I dont understand why it is in the same status and every time I call they tell me the same thing " we are working on it and we are billing your insurance ''. I tried calling the hospitals billing department and they said they could n't help because it is not with the collections agency. I tried calling my insurance and they cant do anything until the collections agency sends them a bill. I am very frustrated at this situation and I am reaching out for help.
|
| 05/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
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Web |
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CMRE has been sending me detailed records that appear to be numerous HIPAA violations. They have been sending me detailed information regarding procedures, and have even alluded to medical issues when they have attempted to call. I do not understand how they were provided this information, as I never saw the doctor 's listed, so I never would have signed a HIPAA notice. Either they are allowing other people to enter my information as fraud, or they are just outright violating my rights. Every single piece of paper they send is getting sent to the doctor 's office that is below my address. I am XXXX XXXX XXXX XXXX which is what my license says. Yet, there envelopes get delivered, UNSEALED, to the doctor 's office below me. This is causing even more violations as they are not taking care to protect my CONFIDENTIAL MEDICAL HISTORY!!! They have also been ending this paperwork to XXXX XXXX XXXX, which appears to have something to do with my husband 's past employment. Interestingly enough, they have now been calling asking me to pay the bills, so they can stop being contacted. This again, is a clear misuse of your provided allowances, and a complete disaster for me.
|
| 12/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had XXXX and incurred medical expense along with some other health issues that also incurred out of pocket expense. Started paying multiple medical bills with the amount that i could monthly afford for all of them. CMRE has been accepting my money and applying it towards my balance. The monthly payment amount wasnt what they preferred me to pay and said it was not enough. They reported to the bureaus that XXXX, XXXX and XXXX that it was a collection, as if i had not been making payments. How is it legal to report that someone isnt paying when they have been? And have it impact a persons credit so negatively? I have receipts of payments i will include. But i will also say the other medical bills i have are happily and understandingly accepting the monthly payment amount that i can afford to pay them. During a pandemic and people struggling to pay bills, it is really horrible how this collection agency is conducting business. They are getting paid and will continue to be paid until the balance is paid off. But its very disturbing how they have no compassion for people who are trying to pay their bills but may not can afford to pay what cmre requires of them.
|
| 05/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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CMRE, account number XXXX is an ever increasing debt on my credit reports, XXXX AND XXXX I dis puted the debt with XXXX and it came back verified.I, in my dispute told CMRE and XXXX this : I had treatment at XXXX XXXX After the treatment I received a bill ... I wrote to the hospital explaining my difficulty in paying as I was homeless, broke and sick at the time. XXXX XXXX sent a letter saying not to be concerned ; that XXXX XXXX had a " homeless fund '' that they could dip into and cover my bill.They said not to worry about it that it would be covered by them and paid completely.I received no more bills or contact from anyone including CMRE.I have never had a debt validation notice from CMRE, yet according to XXXX they investigated and " verified '' to XXXX .The letter sent to me is in the files of XXXX XXXX XXXX XXXX . I have not as yet come up with or been able to find my copy of their letter as it was about 5 years ago ... but my girlfriend and I would n't have thrown it away and may come up with it shortly ... ..Nevertheless. XXXX XXXX XXXX XXXX HAS A COMPUTERIZED RECORD OF THEIR CORRESPONDENCE WITH ME.
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| 08/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am a 100 % permanent and totally service connected XXXX veteran. ALL MEDICAL DEBTS PAID BY US TREASURY. i spoke with someone 2 years ago when contacted about it and told them my status and was told it would be forwarded to the correct department for correction. 2 years later it pops up as a derogatory mark on my credit and i disputed immediately because i check my credit karma account regularly because i have been vigilant and actively trying to improve my score to buy a final homestead over the past year. 5 disputes submitted and they keep coming back as accurate to XXXX.
My complaint is about how obvious and simple it is to verify my claim and somehow after 5 months of alleged contact and investigation with the creditor listed bellow it has not been corrected yet.
This is causing my credit score to be adversely affected for numerous other credit applications and my housing situation is needing to change in the next 6 months.
I am worried i wont be able to get any type of home loan the longer it is not treated with the respect it deserves by either the creditor or the bureaus.
CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
|
| 09/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws.
|
| 05/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CMRE Financial Services for committing identity theft. I have never given CMRE Financial Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CMRE Financial Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CMRE Financial Services continues its collection efforts, I will file for litigation for actual damages caused and CMRE Financial Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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CMRE Financial Services sent me to collections for a {$370.00} debt. They are quite incompetent & didnt have my current address on file & so I wasnt aware of the debt until it was already on my credit report. Once I took notice of this I called the company & I agreed to pay the debt & they agreed to take the account off of my credit report. A few days later the account was marked as paid but not taken off of my credit report. I called them back & was told in a very aggressive way that they would never do that for me. I asked to speak to supervisors & they never called me back. I disputed with my credit bureau & they still would not agree to take it off of my credit report. How am I supposed to be liable for an account for 7 years that I was not aware of? Not only are these tactics unethical, aggressive, & unfair, but they also disproportionately affect low-income households. I looked up CMRE reviews on the XXXX & everyone else seems to feel the same way. This company holds people XXXX for medical debts & permanently ruins their credit while theyre already hurting. I have never seen a company this brazen & shady, even from debt collectors, ever before.
|
| 06/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Informed that I owed a balance of {$790.00} for services from XXXX and XX/XX/XXXX at XXXX XXXX XXXX. This bill has already been settled and paid it in full as of XX/XX/XXXX. Received a voicemail on XX/XX/XXXX stating that the account was delinquent and that the debt collector, CMRE Financial Services, was attempting to contact me to collect payment. I contacted them on XX/XX/XXXX regarding this debt, stating that the services from XXXX and XXXX had already been paid in full. Was upgraded to a supervisor who stated they would look into the account but that I needed to submit proof. Contacted the original company that I had paid the full amount to who stated that this debt had already been paid in full and should not have been pursued by the debt collection agency. Statements were supposedly sent out but I have been complaining since XXXX that I have not been receiving them to my mailing address, with several calls being made in XXXX regarding this matter as well. There was a bill from XX/XX/XXXX in the amount of {$2.00} dollars that has been combined with the debts from XX/XX/XXXX that I also had not been made aware of that is being asked for as well.
|
| 04/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have two collections marks on my credit report. There was almost no information besides " CMRE financial services ''. There was no email, phone call, mail or notification that this payment was going into collections. That is the same for the " XXXX XXXX XXXX ''. I have NO idea what that one is from. There was no information given to me let alone my right to dispute it ... I'm fresh out of college and can't get a car loan because of the two collection marks. From what i've read EVEN IF IT'S PAID it will stay on my report for seven years.
I found out about " XXXX XXXX XXXX '' today XX/XX/XXXX and paid it ... I paid " CMRE '' around XX/XX/XXXX. I found out after comparing dates that it was from an ER visit at XXXX XXXX Medical. No one could give me a solid answer of what I owed. My credit report would say one amount, and a representative would say another. Once again no information about what it's from or information about disputing. I asked if they could remove the mark and they said they " didn't know '' if they could or not.
I'm pretty desperate of a car loan this week and these paid marks have caused me to be rejected from 6 lenders.
|
| 05/12/2022 |
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
|
|
Web |
|
|
I recently checked my credit report and noticed a few accounts I have no idea what they are or, why they are on my report. I sent a debt validation letter to CMRE, XXXX, XXXX, and XXXX on XXXX to validate the debt and send me some type of paperwork contract or something with my signature because I dont know what that debt is nor do I believe its my debt. XXXX updated my account said the debt was verified and updated a few errors so on XXXX I sent another letter to CMRE again asking for the debt to be validated and to delete it off my account and even after 60 days I havent received a letter of validation, HIPAA release form, or any form of communication from CMRE as if they are ignoring my request and acting as if they havent received it. On the same day I sent another letter to XXXX, XXXX, and XXXX asking to reinvestigate because I still dont know what that debt is and to delete it off my account. On XXXX XXXX sent me a email stating they can only verify and not validate. This is harming my credit score and can not get a reply from CMRE and would like for the collection to be DELETED due to inaccuracies, not my debt and failure to validate.
|
| 12/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX original creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$3500.00} I have contacted this collection company three times in writing to validate the Debt and requested HIPPA authorization, my signature in ink and they provided me with a list of some medical supply and procedures performed without my signature and claiming {$4500.00} where the document states XXXX balance.
This Collection company violated Fair Debt Collection Practices ACT 16 usc 1692g : They failed to provide me with a signed signature in ink Failed to provide it is a violation 15 usc 1681 a ( b ) list of description based on payments violation 15 usc 1681a ( e ) reminder any factual information being reported is a violation 15 usc 1692e ( 2 ) ( A ) false or misleading representation They Violated The Public LAW 104191 SEC. 1177 Wrongful disclosure of individually identifiable health information.
and they Violated my HIPPA Rights : I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.
|
| 12/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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I have been called several times from a place called CRME for various medical bills that have never even gone to collections.
Caller ID shows up as a local number XXXX. Automated voicemail gave # XXXX. I called back and the girl that answered stated I owe medical bills from 2014. ( Which I do not owe ) She was very rude and wanted to argue. I told her to call the doctor 's office that she is so called representing and send me something in the mail documenting this because I have never received anything at my home address about any bills. ( I have lived there for 8 years ) She wanted my credit card number and I would n't give it. I told her to send me documentation in the mail and she hung up.
I tried to go on their website to pull up the so called account # they were referring to and it directed me straight to a payment page where I had to enter a credit card. There is no way to pull up any info without inputting your credit card number. I did not do of course.
My identity was stolen at the beginning of this year and I am still trying to clear the mess because of these scammers. I am so tired of these losers stealing from people..
|
| 11/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To whom it may concern, I have started disputing items on my credit profile that all are primarily related. The first item that was disputed connects with all of the alike charges from the same XXXX XXXX consultants. The first dispute had judgments rendered in my favor but the second was decided in the favor of the creditor. These charges stated previouslyshould have been paid through insurance due to the fact that I had medical insurance and also the fact that after settlement with the liable auto insurance, my attorneypaid my medical bills and took theirportion of what was agreedupon before I could get my compensation. Thus the bills pertaining to CMRE Financial services are not legit. Many of these charges seem as if they may be duplicates or manipulated due to the large of owed amounts and repetitious amounts allegedly owed. I haven't recieved mail stating that I owe this company and when asked they wouldn't provide dates when I used their service. Their are at minimum 14 accounts that they claim that I owe. I would like proof of their legitimacy and what information is required to disprove theirallegations. Thanks in advance!
|
| 10/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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Received bill from XXXX XXXX on XXXX/XXXX/XXXX for {$200.00}. I did not know I had a balance. Sent check XXXX XXXX/XXXX/XXXX for {$30.00}. Never received an updated balance. Received collection from CMRE on XXXX/XXXX/XXXX for {$200.00} on behalf of XXXX. From XXXX until XXXX I sent XXXX {$10.00} payments totaling {$70.00} to CMRE. I stopped getting letters from CMRE. On XXXX/XXXX/XXXX received bill from XXXX for {$170.00}. ( 2 years later ). I paid check XXXX on XXXX/XXXX/XXXX for {$25.00}. Never received updated bill. On XXXX/XXXX/XXXX I received bill from XXXX for {$130.00}. I sent check XXXX XXXX/XXXX/XXXX for {$25.00}. I have now received XXXX new collection letters from CMRE for {$65.00} and {$140.00}!!! I can not keep paying these XXXX companies all this money. I have never been credited correctly by either company. I feel I am now being ambushed to keep paying money out that is not due. I can not get anyone on the phone to straighten this out. Over two and half years I have been chased for more money and never once got an accurate updated statement showing the {$150.00} I have paid out between XXXX XXXX and CMRE.
|
| 10/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX. As I always do when checking in I tell the person at the desk that I can only see doctors that are in network with my insurance. They had me on a stretcher in the hallway and a doctor walked up to me and introduced himself as XXXX XXXX. I asked if he was in network with my insurance, XXXX XXXX, he told me no so I refused to be seen by him. I called the number on the invoice that I received from his office and explained that he did not treat me as I had refused treatment. I assumed it was over and they had adjusted their records. About 7 months later I start receiving phone calls from XXXX debt XXXX. I attempted to explain the situation several different times and was greeted with condescending remarks and threats of jail. I was screamed at, cursed at, threatened and harassed repeatedly. To this day I still receive phone calls which I do not answer. This has caused me severe anxiety for which I have had to start seeing a XXXX and get put on medicine. I pray that you can do something to help me and to prevent them from mistreating other people in the future.
|
| 07/08/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would like an update on the formal complaint that I wrote to you on XX/XX/2021 about seeking help resolving the problem that I am having with the collection company, CMRE Financial Services Inc.
The reason I would like this update is because I receive another letter from CMRE, the following week saying that the account was validated. This is a complete lie, I asked for validation as well as method of validation documents, I asked for the HPAA release ( along with other documents as proof of validation ) for that I supposedly signed saying that I consented to releasing my medical information to a third party mainly, CMRE.
CMRE Financial Services Inc is willfully acting in bad faith and lying to keep unverified negative accounts on my credit report. I have not received not 1 certified letter or even regular mail of the requested supporting documents I asked for under the FCBA.
Please help me because I am trying to by a house. Its hard enough being a XXXX woman in XXXX as it is. I am not a bad person. I have never ever been arrested and all I want is to be treated fairly. I dont understand why that is so hard!!
|
| 08/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This is in response to complaint XXXX. These are considered stall tactics. I will not be contacting the original debtor because they sold the debt to you hence why you are trying to collect this debt from me, they are no longer pursuing so I will not be contacting them. Again, what you sent me was VERIFICATION -- -which are bills, receipts, itemized statements, that is not what I asked for. I asked for VALIDATION -- which would be a promissory note or contract with my ORIGINAL SIGNATURE. In your complaint you stated it would be part of my medical record to obtain this. That is not true.Having worked in the medical field, you can request the signature page of what the consumer signed that contains no information that would violate HIPPA. Now I have asked for validation several times and you have yet to provide. If you continue to not provide this info and break these Federal laws, I will be forced to take this complaint to a higher level. I have no issue with suing your company for failure to provide the requested info and that was supposed to be done months ago and I will spend the money to take you to court!!!
|
| 02/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I spoke to a woman at XXXX XXXX for 8minutes.
She gave me two account numbers and told me they were both in collections.
I advised her to give me total amounts and what was owed.
The first account was taken out of collections and has been placed back into the Hospital at XXXX XXXX XXXX XXXX, where I have been making payments. The lady at CMRE advised I owed {$230.00}. Which is false. I have a copy of a bill that says I owe {$180.00}. When I received the bill from XXXX themselves it said I owed {$150.00}. So they sent me a statement with a false premium. She also stated that I just made {$100.00} payment for account number XXXX. WHICH IS THE WRONG ACCOUNT. I have a copy of my receipt showing the right account number. She mislead and gave false information.
She advised both accounts were in collections. When I advised that the XXXX XXXX one was not she argued and stated that they need to call them. Basically they send me a bill with the wrong amount on it. And refuse to take it out of collections.
I have attached receipt, phone info, and copy of the false statement they sent to me.
|
| 04/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would say the date would have to be around XXXX 2019 when I went to the XXXX XXXX XXXX. I had insurance at the time but I didnt have my insurance card with me that day. They said they would be able to bill my insurance anyway so I just left it as is since they said they would bill my insurance. Months later I see on my credit report that Im in debt {$560.00} for the services I received that day. Ive disputed it through XXXX XXXX numerous times with no changes made to that account. Ive contacted the original lender XXXX XXXX XXXX XXXX XXXX and the bureau CMRE Financial Services, sending them photos of my insurance card so they can verify that Im not responsible for the amount owed, and that its my insurance who needs to pay the amount but nothing has changed. After Disputing through credit karma, they verified that the information I provided was accurate. I desperately need this removed from my credit report because I am not responsible for the mistake XXXX XXXX XXXX XXXX made by not correctly billing the insurance and billing me instead, and I am not responsible for this amount owed. Please help!
|
| 08/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have written CMRE three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and called twice ( XX/XX/XXXX, XX/XX/XXXX ) requesting validation of this debt of {$380.00}, which I still do not have. I responded within the 30 day window to dispute, yet they had already reported this to the credit bureaus. The only thing I have ever received back is another invoice of charges, but no supporting proof of the debt. I have contacted the original creditor & they have no record of this debt at all. I have disputed with XXXX and was told CMRE verified the debt as accurate when investigated. ( Although XXXX refuses to provide their method of verification. ) CMRE is violating my rights of the FCRA by continuing further collection activity, including credit bureau reporting, without validating this debt. They have ignored my requests for validation. This debt is not accurate, complete, or verifiable, yet they are continuing to credit report it.
Furthermore, I believe they have re-aged this debt of {$380.00} from XX/XX/XXXX by giving it a new account number. I disputed this as well, but no response from CMRE.
|
| 02/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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CMRE Finance has continued to attempt debt collection on a radiology bill that was paid through my insurance and co-insurance that I held at the time. I no longer have that insurance policy and have made that clear more than once.
I checked my credit through an online site called XXXX XXXX and now CMRE is attempting to collect XXXX additional debts. I know without a doubt I have nothing in collection. Additionally, I have not received any mail communication regarding these " supposed debts '' from CMRE. The XXXX additional collections showed up last week yet all XXXX have a reported date from XXXX/XXXX/15. If this were the case then why am I just now seeing this show up and why have I received nothing showing where these debts came from? To me this seems fraudulent and I would like answers as to why they arbitrarily added these debts which is now hurting my credit score. You may view my payment history regarding current accounts I have and see that I do pay timely. I should also add that I have contacted CMRE directly via email to determine what is going on and have yet to get a response.
|
| 05/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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CMRE Financial Services , Inc has committed multiple violations and mistakes in my credit reports. CMRE has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety.
Accounts information : 1. Account number : XXXX, date opened : XX/XX/2018, original balance : {$2700.00}.
2. Account number : XXXX, date opened : XX/XX/2018, original balance : {$260.00}.
CMRE is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill Medicare insurance.
There were unnecessary procedures that I was put through that were not necessary.
Hospital overbilled and made me agree to take more expensive procedures than needed.
I was grossly overbilled for what was one hour visit.
Unfair business practices and negligence.
I just want a fair solution and get these accounts removed from all 3 credit bureaus asap.
Thank you.
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| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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So I get this debt that XXXX XXXX XXXX XXXX claims I owe them {$210.00}. Thats funny cause I spoke to their CEO on this situation, they claimed they would make it right. I mean how man times does a hospital misdiagnose people, I mean lets take example here when I come down sick they walk in take my XXXX listen to my XXXX and say I have an XXXX XXXX XXXX how do you diagnose that, so at this point I get a 2nd opinion from another medical facility that took the time to run the tests, they examined my XXXX even doing an XXXX of my XXXX. They found nothing wrong within my XXXX but they did find out that I had XXXX XXXX and an XXXX XXXX.
So after speaking with the Parent Company of XXXX XXXX XXXX XXXX and their CEO and their Director of Emergency Care they both claimed they would make this right but apparently that must have been a lie right to my face cause they wan na charge me for WHAT misdiagnosing me, maybe I need file a complaint with the TEXAS MEDICAL BOARD cause this hospital constantly misdiagnose people, nothing against the company its the staff the needs to be overhauled
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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CMRE Financial, XXXX XXXX, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing.
Thank you for your time.
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| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I XXXX XXXX XXXX have received a notification on my credit report that CMRE Financial Services is allegedly claiming that I owe a debt and that they are trying to collect. CMRE is in violation of the laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter I XXXX XXXX XXXX am the consumer ( individual ) and CMRE Financial Service is the person ( corporation ).
FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
I DID NOT INSTRUCT CMRE FINANCIAL SERVICES TO REPORT ANYTHING TO ANY REPORTING AGENCY.
|
| 07/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is in response from complaint XXXX. The license was not my only complaint from this company.
For complaint XXXX, I stated that I never received validation for the amounts they say I owe. In this complaint, CMRE stated I never requested validation, but I did so in writing several times. All I received was a bill showing charges they say I owe, but that is not validation. Validation is receiving a document that bears my signature that attests that I signed off or am responsible for those bills, anyone can send a bill. CMRE claims they received this bill from XXXX XXXX XXXX XXXX, but still has yet to produce validation with my signature. According to the Fair Credit Reporting Act, I am entitled to validation ... if not, the party must delete all collections and negative marks ( there are 3 ) from all reporting agencies. Is there a reason that I have yet to receive validation? Not an itemized printout showing charges ... that is not validation. If you do not provide validation, legally you must delete these collections or I will get my attorneys involved as that is fraud.
|
| 04/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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CMRE continuously sends bills that have not been updated to represent the current balance. Even upon logging into the website to verify the payment has n't been crossed in the mail, the real time website has not been updated. When I called they said that it was updated and that my payment had posted, but I have a dated print out proving that it was n't. This makes it impossible for me to pay my bills because the account is n't updated. They are also trying to collect interest on a debt that the original medical facility was not collecting interest upon. I have verification of this FACT. I also have a call out to their attorney representative to confirm their policies and verify no interest bearing contract was ever into by me. I have wasted so much time trying to straighten out this CMRE 's lack of attention to detail regarding their billing. I have VERY DETAILED notes and ledgers. All I 'm asking if for them to keep their end of the deal, and update their payment records correctly and regularly WITHOUT FRAUDULENT interest included, and send CORRECT bills.
|
| 01/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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|
I have never been contacted by CMRE Financial Services. I pulled my credit report and learned that I had a few medical collection accounts that I was unaware of. I contacted CRME, requested an itemization of the bills included, and paid all of the accounts at one time on XX/XX/18.
1. I was told I would receive a written confirmation from CMRE that the account was Paid in Full and that the accounts would be updated with the three ( 3 ) Credit Bureaus.
2. To date, I have not received anything in writing. and the Credit Bureaus have not been notified.
CMRE should be legally obligated to update the Credit Bureaus with the PAID IN FULL information, just like they do with DEROGATORY information! They should be required to provide a statement that states they " will update the Credit Bureaus with the Paid in Full status '' - As it is, there is no obligation on their part ... it's just an " if they choose to ''.
I will not count on CMRE reporting this information, I will take my paid receipt and send it directly to the Credit Bureaus myself. CMRE is not a reputable company.
|
| 07/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I pulled my credit report on XX/XX/XXXX and noticed that CMRE Finance had reported to the Credit Companys an account for {$120.00}. According to the Credit report XXXX , it had been opene d on XX/XX/XXXX . I have not received any information in regard to this debt at all. No information was received by them until I mailed them dated XX/XX/XXXX . I immediately certified a letter to CMRE dated XX/XX/XXXX requesting proof that the aforementioned account was mine. I also asked for detailed proof that I agreed to pay the account, a detailed explanation for what the account was for or services rendered, and to provide the Creditor and current contact information for the debt you say I owe. On XX/XX/XXXX , I received a letter dated XX/XX/XXXX from CRME Finance that included 4 pages ( see attached ) that shows 4 different accounts that do n't even add up to what they reported to the credit companie s. Two of the accounts look to even be duplicates. I did not receive any proof that they were mine and that I had agree d to pay them.
|
| 01/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I contacted CMRE @ XXXX XXXX during the first week of XXXX to verify the mailing address, account number and how soon will they remove the debt from my credit report. I was told if I paid by credit card that day it would be put into the system and reported to the 3 credit agencies that day. I was informed if I mailed the payment amount the same process would be followed.
So I mailed Cashier Check # XXXX, dated XX/XX/XXXX to CMRE Financial Service to cover the medical debt. The company received the check on XX/XX/XXXX. When I called on XX/XX/XXXX because, XXXX XXXX and XXXX indicated CMRE had not reported the debt amount was received and paid in full, I was informed by the CMRE representative that the checked was posted to the account on XX/XX/XXXX. XXXX XXXX and XXXX takes 45days to update credit reports.However, XXXX XXXX representative indicated this is not true.
This is not fair to me. I have an emergency and I am trying to pay my debt so this will not appear on my credit report. CMRE have not reported they received the funds and cleared my credit report.
|
| 06/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I have a claim recap from XXXX XXXX XXXX XXXX XXXX ( date prepared : XX/XX/2019 ; date of service : XX/XX/2019 ) stating that there was an expense of {$1100.00} and I had to pay an amount of {$0.00} out of pocket to the provider XXXX XXXX XXXX XXXX XXXX XXXX.
I also have a statement from XXXX XXXX XXXX XXXX ( statement date : XX/XX/2019 ) stating I have an amount due of {$1100.00}, with insurance covering an amount of {$0.00}. I assumed that insurance has already covered this.
I have called XXXX hospital and they have stated that they have sent the debt to CMRE Financial Services Inc. and I ignored them, thinking that insurance has already covered the debt, especially when it was from so long ago and that XXXX has sent a letter stating that they have covered it. Collection is on me and is not on my fault because insurance has not sent clear instructions whether to pay this amount with our insurance card or not.
It was never clear that there was a check sent to us ( not in the amount of {$1100.00} ) from XXXX to pay for the expenses of the hospital.
|
| 06/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on XXXX / XXXX / 2017 & XXXX XXXX , 2017 to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through th e USPS that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe XXXX $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act & Protection under the FCRA Section 623. I need this to be removed from my credit report due to this inconvenience.
|
| 01/05/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Web |
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In regards to account number ******* with Texas XXXX XXXX XXXX : Payment to Texas XXXX was paid and accepted in full from XXXX XXXX XXXX. After speaking with several representatives, I have been getting nothing short of the " run around ''. In my most recent call, I was told to contact the insurance company directly to verify the payment was made. I informed the representative that this had already been done, the check was sent to Texas XXXX, and is showing as cashed. On XXXX XXXX, XXXX, my account was placed in collections with CMRE Financial Services. They are now attempting to collect a debt that does not exist. Neither company will directly contact each other to resolve this in a timely manner. As of now, I have been assured by Texas XXXX that they would take me out of collections effective XXXX XXXX XXXX, but this withdrawal from collections is temporary until this issue is completely resolved. I have had multiple conversations with Texas XXXX where they have promised to take care of this situation, but so far have failed to do so.
|
| 03/18/2019 |
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
|
|
Web |
|
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I went to XXXX XXXX XXXX for a medical problem on XXXX XXXX. I provided my medical insurance card. Per my insurance company XXXX XXXX XXXX, they received a bill from the hospital and XXXX but they did not receive a bill from the attending physician. They sent this to collection CMRE. It's showing on my credit report. If the doctor would have timely submitted the bill the insurance company would have paid it. Doctor/provided failed to submit a bill to insurance company. I never received a bill from either the doctor or collection agency. I am requesting for this derogatory credit report to be deleted from my credit report. I have disputed with credit bureaus and company and I never received any validation and documentation of this bill. The insurance company told me that the doctor/provider needed to have timely billed them but they never billed. Four years later this came up on my credit report which is past the billing allowable time. I have tried to resolve this problem with the three reporting agencies and nothing has been done.
|
| 07/22/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/2022 CMRE was mailed a certified letter requesting that account # 's XXXX in the amounts of {$570.00}, {$100.00}, and {$810.00} be validated under the FDCPA, that I, XXXX XXXX, had a contractual obligation to this debt that being reported to XXXX.
Several pieces of documentation were requested in the certified letter to validify the debt in question including : a detailed bill ( not codes ), a signed HIPAA waiver, or privacy notice, original contract, along with other information that may have been helpful for me, in validating this debt as mine ( in accordance with the FCRA, section 611A through D, section 609 ( a ) ( 1 ) ( A ).
To date, CMRE has not responded to my request for validation with any of the aforementioned documents. CMRE has failed to respond to my request all together. CMRE is in violation of the FCRA sections 609 and 611, and are violating my rights as a consumer.
I am requesting that these debts be deleted from my credit report as CMRE has failed to prove, or validate that this debt belongs to me.
|
| 05/21/2019 |
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
|
|
Web |
|
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RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization.
For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.CMRE. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.CMRE. XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am willing to file a lawsuit against you for : Violation # 1 ( reporting inaccurate information to Credit Bureaus, violation of California Credit Reporting Act ) Violation # 2 : Failure to provide notice of late payment insertion as required by California Credit Reporting Act.
Violation # 3 : Failure to stop the reporting of fraudulent accounts after being presented with proof of identity theft.
|
| 10/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was admitted to the Hospital on XXXX/XXXX/XXXX. I received a collection letter in XXXX XXXX for {$400.00} for XXXX from collection agency " CMRE Financial Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ''. I contacted the agency and told them the hospital had never heard of or had any relationship with this radiology company furthermore all services ( my co-pay ) were paid for before discharge and XXXX XXXX paid the balance in full. I have repeatedly ask for a bill over several months and never received XXXX. This is obviously a fraud and both the collection agency and XXXX are involved. CMRE has placed a collection on my credit and has caused my credit score to drop over XXXX points. We are in the process of obtaining a mortgage and is causing unnecessary cost as far as fees, mortgage rates and explanations. I have without a doubt shown CMRE that no such medical bill exist, but I am sure they already knew that. I need this corrected immediately to prevent extra thousands of dollars in my new mortgage.
|
| 09/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX was tasked with comparing and contrasting XXXX reports. XXXX XXXX CONFIRMED IN WRITING that it failed to compare and contrast the XXXX reports.
Upon receipt of the very first fraudulent bill, XXXX XXXX headquarters was called. A XXXX representative stated that the fraudulent bill would never be sent again and that the fraudulent balance would be brought to {$0.00}.
Subsequently, CMRE delivered a collection notice on the fraudulent account XX/XX/2018. On the very day that fraudulent notice was received, a dispute was delivered to CMRE via both mail and fax. On XX/XX/2018, CMRE ignored that dispute, failed to even attempt to validate the fraudulent claim made by XXXX XXXX and attempted to collect on the fraudulent claim.
This illegal tactic was again attempted on XX/XX/2018, when I phoned CMRE to remind the company that it failed to validate the fraudulent claim made by XXXX XXXX. During that call, I notified the collector that this complaint would be filed. His response was " Do what you have to do. ''
|
| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE FINANCIAL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} COLL {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX COLLECTION XP/TU ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX COLLECTION XP/EF
|
| 11/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been contacted on my mobile phone four times by CMRE Financial Services. The first two times they left a message asking specifically for my child who is XXXX years old. I called the number that was left ( the contact number changes every time ) and was able to speak with a representative who told me that this was a financial matter regarding my child. When I informed the agent that my child was a minor, the representative then said that she needed to verify some information and asked for my child 's birthdate. I told the representative that I would not provide her with my child 's birthdate and she proceeded to ask for our home address. I did not provide that either. I requested that she forward any billing statement or printed materials regarding my child to the address that they have on file. The representative became belligerent and then disconnected me. This has happened twice. I do not know where this stems from and it has me concerned. Any assistance that you can provide would be greatly appreciated.
|
| 11/11/2021 |
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
|
|
Web |
|
|
CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} My name is XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} ; CMRE FINANCE Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} ; CMRE. XXXX Original creditor : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$310.00} ;
|
| 01/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a robo call from this company on XX/XX/2017 @ XXXX. It left a voice mail on my phone, stating that if there was a moment of silence I 'd identified myself, for which I did n't because I did n't answer my phone. I get telemarketing calls all day & refuse to answer my phone anymore unless I know who 's calling me. I 'm grateful they did leave a message though. That 's how I got the minimal info that I retrieved. I tried calling this number back before I knew they 'd left a message. It never connected & always disconnected. I never spoke to a rep nor do I have any idea what XXXX XXXX is saying I owe them. I checked my past medical bills & do n't find anything for them. Not really sure who this is & do n't know why CMRE would be calling me to surprise me or try to argue with or threaten me with collection on a bill I am not aware of. I do n't think that 's good business practice. They should 've sent me a letter first. I do n't answer any numbers I do n't recognize especially if they 're XXXX numbers.
|
| 08/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This collection is from XXXX XXXX XXXX XXXX XXXX here in XXXX, XXXX.
I had severe XXXX XXXX XXXX XXXX XXXX and was taken by ambulance to the XXXX
Several medictions were administreed and after XXXX hours I was XXXX. This was in XXXX of 2021. XXXX XXXX, my insurance, paid over {$22000.00} ( I believe ) to XXXX. They came back with a remaining balance. A call to the collection agency was met with an argumentive and rude tone. When I rquested certain detailed invoice information, she refused and informed me I had to get that from the hopspital. XXXX charges for this service. I was also " seen '' by a total or XXXX docotrs, yet only XXXX was in the room and spoke to me.
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt
|
| 07/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX 2017, a collection was added to my credit report from CMRE Financial Services , Inc. Additionally, no written communication was sent to me from CMRE about this alleged debt before it was added to my credit report. XXXX XXXX , 2017, I sent CMRE a certified letter informing them that I was unaware of of any outstanding medical debt, to send me debt validation/HIPPA authorization & a copy of my signature with the service provider to release my medical information to them, and to cease credit bureau reporting until the debt has been validated.
In turn, on XXXX XXXX , 2017, a correspondence was sent to me from CMRE stating " we have your disputed notification, but we are unable to conclude an investigation as we have not received sufficient information to substantiate the basis of your dispute. '' CMRE has not, as requested, provided me with full documentation of what they have received from the provider of service in connection with this alleged debt, thus violating my rights under FDCPA.
|
| 07/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On X/X/2017 I sent formal notice, via certified mail, to CRME for a collection account listed on my credit report for XXXX, that their claim was being disputed. After 30 days, there was no dispute mark placed on my credit reports, nor did I receive any communication from CRME. On X/X/17, I sent a second letter, via certified mail, to CRME that they have violated federal and state laws, and also failed to send me any communication and/or evidence bearing my signature that the account is reporting correctly. Somewhere thereafter, my credit report was marked by them, that the consumer disputes, but again, this was AFTER 30 day allotted time per FDCPA and FCRA regulations. To this date, I have not received any communication or acknowledgement from CRME, after their receipt of 2 certified letters. They have clearly violated the law by not marking my credit reports disputed within the 30 day time allotted and also have not sent me any documents bearing my signature, validating that the debt is accurate.
|
| 08/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ended up in XXXX XXXX in Oregon in XXXX. They started billing me in XXXX, but they never billed my insurance company. I contacted them XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, they never billed ins, with each request. On XX/XX/23, I received a Final Notice letter. I contacted a lawyer on XX/XX/23. A letter was sent requesting they send me an itemized statement and bill my insurance. XXXX XXXX did not respond. XX/XX/XXXX received a debt collector letter. I responded on XX/XX/23 that I disputed the debt because insurance hadn't been billed, nor had they responded to the attorneys request.
On XX/XX/XXXX I received a phone call from the collection agency asking how I was going to pay this debt, again I told them XXXX XXXX had not completed their obligation to bill my insurance and I was told this would be going against my credit.
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Collection : CMRE Financial Services XXXX XXXX XXXX XXXX, OH XXXX
|
| 07/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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I had a preoperative XXXX done in XXXX 2014 at XXXX XXXX XXXX in XXXX XXXX, CA. About a year later I received a bill for {$110.00}. I called my Medicare provider and subsequently I thought the matter had been settled.Now I am receiving letters and calls from a company called CMRE Financial Services for a company called XXXX XXXX XXXX XXXX. I have not been able to find the latter company anywhere. To begin with the bill for a XXXX was too high, it should have been approximately {$50.00}. I have contacted my Medicare provider many times and each time they have stated that the matter has been resolved. I feel that this company is trying to extort money from me that they know I do not owe. they are also charging interest on the bill which I do n't think they are allowed to do. I refuse to pay since I had Medicare at the time and the provider stated that the matter has been settled. My Medicare provider at the time was XXXX XXXX XXXX XXXX XXXX XXXX California. Please help me to settle this matter.
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| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow XXXX XXXX compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
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| 06/21/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a phone call in regards to my bill being forwarded to collection from the doctors office, it was two weeks after i visited the emergency room.
Usually it takes about two weeks before the insurance pays there portion and my insurance took extra few weeks to provide me with what i was expected to pay.
I immediately called the doctors office to pay the amount expected from me and i was forwarded to CMRE FINANCIAL who they process payments with anything that is even a day late, but they promised it wo n't appear on my credit report since they understood i did n't receive the statement.
The problem i am running into now is CMRE FINANCIAL went ahead to report as collection that was paid off which significantly impacts my credit for a payment that was fully paid within a normal insurance processing period.
I have asked credit agency 's to delete the information my report without success.
I would like both CMRE FINANCIAL and XXXX XXXX to delete the negative information from my report.
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| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
Servicemember |
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My wife received a diagnostic imaging test at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX billed our insurance accordingly, and was paid in XX/XX/XXXX. The hospital appears to have contracted the radiology with XXXX XXXX XXXX, XXXX, who sent us a separate bill in XX/XX/XXXX, which is not consistent with the contracted insurance coverage that was accepted by XXXX XXXX XXXX XXXX never billed our insurance and no explanation of benefits was ever created, so we assumed that the bill sent to us was in error. We never received another bill or any other contact from XXXX XXXX, so we assumed that they had resolved the issue with SVMC. In XX/XX/XXXX, my wife received a notice from CMRE Financial Services ( a debt collection company according to XXXX ) that was sent to her employer/HR Dept. When we contacted XXXX XXXX 's billing company XXXX XXXX, they admitted to billing the account incorrectly and claimed that it was never sent to collections when asked specifically three times ( ie : they lied ).
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| 12/18/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2022 I had a ambulance service, and I received an invoice from XXXX XXXX # XXXX XXXX NJ for " XXXX XXXX '' trip number XXXX, I paid the amount by bank check. I had another ambulance service on XX/XX/2022 and I received an invoice from XXXX XXXX. # XXXX XXXX NJ for " XXXXXXXX XXXX XXXX' under trip number XXXX, and according to our agreement of payment, I am paying by credit card monthly.
Then I received a letter from CMRE " dept collector '' saying that I have a dept to a company called " XXXX XXXX XXXX XXXX '' for a service dated XX/XX/2022 and XX/XX/2022 which is never billed to me. I called them I I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and I explained that I don't know this company and they are using the dates which I had a service from another company. Also I mailed them.
I received another letter from CMRE mailed XXXX including some computer printout. I am scared they obtained the records of " XXXX XXXX " and they are using. I need a help.
Thank you.
Kind regards
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| 02/23/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I currently have a collection account on my credit report. XXXX XXXX XXXX XXXX were given the correct insurance information by hospital, yet they billed incorrectly and then sent to collections. I spoke to them multiple times and they dragged their feet billing correctly. When they finally billed it was denied for timely filing. I spoke to XXXX there many times. Per insurance company agreement they can not bill patient for their error. However they continue to keep on my credit report and will not remove it. Ive attempted to dispute with XXXX yet it remains. The hospital was able to bill and get payment with no issues with the information given because they billed correctly. XXXX XXXX XXXX XXXX XXXX made the error and now they are damaging my credit report.
Here is the following information on my credit.
Account Name XXXX. XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} Debt {$1300.00} Contact Information XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX, ( XXXX ) XXXX
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| 07/15/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have several medical debts that i am trying to dispute. I was told i had to fill out some paperwork and was not in a clear headspace during these hospital visits, but i had asked several times if i would be liable for these bills and they told me no. They told me to fill out paperwork next thing i know i am checking my credit reports and i have collections that i was not aware i had. I tried disputing online, and i tried calling many times to no avail. And with the COVID many people are out of work, including myself so i am trying to dispute all three medical debts that i was told i didn't have to worry about. I have made dispute calls to XXXX and XXXX, and will make a call to XXXX as well right now. I just am having no luck with these companies ( CMRE/XXXX/XXXX XXXX ) Everyone i contacted for customer service through the credit bureaus have been great.
XXXX XXXX XXXX : XXXX on XXXX XXXX app.
Customer service for the agency said it was XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX
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| 12/25/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you
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| 05/04/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have visited XXXX XXXX XXXX XXXX XXXX for an illness in 2016 and there was a bill of amount total {$3600.00}. At that time I was experiencing financial hardship and did not have any income from work and was in the middle of the marriage crisis and divorce. The low income government health insurance plan did not qualify me later until I had the divorce paperwork finalized. And I had been unstable with my living address and changed my cell phone number several times to avoid my ex-spouse harassment. I am not aware that I have an unpaid medical bill until now and the payment had been sent to CMRE FINANCIAL SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX. I had never received any collection letter or phone call from CMRE that I need to pay for this specific medical bill. The collection account had been opened since XX/XX/2016 for 2 years, 8 months. I hope that XXXX XXXX XXXX medical center can dispute my medical bill due to my financial crisis at that time.
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| 09/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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To whom it may concern, I recently pulled my credit and noticed a collection with CMRE. I called CMRE to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additional collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) thats paid in full to be removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan.
Respectfully, XXXX XXXX
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| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After pulling a copy of my credit report I notice that this collection agency is reporting an account on my credit report on my credit report.
1. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
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| 07/03/2021 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have been paying the original creditor believing I was paying my debt off as agreed in out payment arrangement. The XXXX informed me their computer automatically sends accounts to CMRE financial. So I called CMRE and made arrangements to pay on all accounts they had collected from XXXX and made.payment arrangements and paid as soon as I hung up on he phone. CMRE is in violated of our payment arrangemen, as I have them in a recorded line stating the arrangement and that my credit would no longer be affected by each account individually, as the accounts had been merged. I have been paying 2 payment arrangements of {$35.00} each to two hospitals and now a thrid arrangement with CMRE. I have the recording and can have a transcript made if that helps. These are amounts that were paid on and still had them turned into collections, whom gave no opportunity to resolve the issue before my credit was affected and now is not holding up to the payment arrangement they agreed to.
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| 11/18/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I originally contacted this company because I was confused about the nature of the bill. Soon I discovered that my insurance company through my employer had not paid my ER visit to the hospital. Also I want to add that the hospital never mentioned that I was outside of network.it took nearly two years for me to discover that I had not been covered because I XXXX XXXX in XXXX.Upon my XXXX I contacted this collection agency, I had no idea what this was about. The man on the phone was very rude and unprofessional he treated me like a XXXX also stated that this account will never be removed and that it would remain damaging my credit and that if I didnt pay this that it would continue to increase and that there is nothing I can do but give full payment and that it would still not be removed from my credit.It has really impacted my ability to XXXX myself since I cant even find a place to live since this account continues to increase in cost that I can not afford to pay.
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| 07/30/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have a medical debt that I paid in full. When I first made arrangements to completely pay off the debt. I was told that they would fully remove the Collection from my credit report only if I paid the entire balance owed. I was given the opportunity to make a payment arrangement and make payments of XXXX per month until the entire balance was paid. I made all payments and even finished paying the debt back a month earlier. Today XX/XX/2019 I ran my report and the debt is still reporting on my credit. The balance looks like it is up to date but the debt is still reporting as a collection. Per the representative it should have been removed. I called CMRE Financial Services and they told me that they can't remove it that it is up to the credit bureaus to do it. I was mislead from the beginning and the statement about not being able to remove the item off of my credit report is hurting me with having to finance higher rates and not being able to qualify for new loans.
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| 03/25/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/XXXX as there was an account listed that I did not recognize as I have always had insurance that fully covers my medical. On XX/XX/XXXX I reviewed my credit profile again as CMRE had not responded and the account was still reflecting as not disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX XXXX Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belong to me and that all information is correct.
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| 12/03/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
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| 04/09/2018 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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In XXXX or XXXX ( I believe XXXX ), I received a letter from CMRE Financial Services , Inc. stating that a collection from XXXX XXXX XXXX was placed with them. Immediately, I notified CMRE ( by USPS Priority Mail with Tracking ) that I did not recognize the charge, did not recognize the amount, and had no recollection of any of this. This was delivered to them, as indicated by the tracking number on the package. In this letter, I not only asked for debt validation, but advised them to only contact me through written correspondence, as I am unable to take phone calls, and doing so could risk my husband 's employment.
Instead of acknowledging receipt, they sent an additional collection notice on XX/XX/XXXX, WELL AFTER receipt of my letter indicating I would need validation. To add further insult to injury, they now have begun to attempt to communicate by phone. None of this is acceptable, and a gross exaggeration of their duties, while violating my rights.
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| 09/16/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/2017 I submit a complaint regarding two medical bills from CMR Financial, one of them was paid for my medical insurance and the second medical bill I made a payment arrangement with the company, and was told from them if I make payments on time they won't report to the credit agencies but was my surprise they reported the two accounts in my credit report, right now appears in my credit like derogatory of course the accounts has XXXX balance, because like I said before one of the accounts was their fault to report something that was paid, I proved with all the documents that I was right, and then they removed the balance from that bill, but still they reported to the credit companies.
The amount of the bill was {$6600.00} Member rate : {$1200.00} I just had to pay my coinsurance of {$200.00} plus my co payment of {$200.00} that was the money I paid for {$400.00} and made a payment arrangement of {$5000.00} a month that was paid long time ego
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| 10/07/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS BELOW FROM MY REPORT IMMEDIATELY : CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$9700.00} CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00}
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| 12/05/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/XXXX that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as CMRE had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
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| 08/03/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I discovered this debt on my credit report along with an address I 've never lived at in another state. I contacted the collection agency with my proper contact information and still have received nothing. I contacted the original debt owner, a hospital, and they refused to give me an itemized bill of the charges my insurance refused to pay. I only am being told that this gigantic bill is from my XXXX and I believe I 'm being overcharged and not given the opportunity to prove it.
I 've been advised that I should have been informed by the hospital that my insurance would be applying the entirety of the visit toward my deductible and given the option to not be admitted as an inpatient for what appeared to be XXXX. The hospital has an urgent care facility on the same block, or they could have directed me to a free/reduced price clinic. At no time did the hospital inform me that I would be paying in full out-of-pocket for the expenses incurred there.
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| 01/02/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXXand the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that these accounts belong to me and all information is correct.
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| 03/06/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I noticed XXXX listed on my credit reports and contacted them on XX/XX/XXXX in an attempt to verify the debt, as I had no knowledge of it. While on the phone, I was informed that it was for an ultrasound performed in XXXX. When I told the lady that I had never in my life had an ultrasound, she stated something to the likes of, " Sorry, wrong one. Let me see ... .did you have xrays or a CT performed? '' I then told her that what medical procedures or diagnostic exams I have had did not concern her. She then began to ask me for my social security number, I asked her why my name and date of birth weren't enough to pull up the account and also why she seemed to be taking shots in the dark regarding why I allegedly owed money. At this point she stated that the debt is valid regardless of what I say because they only service valid debts and that if I do not pay it, it will continue to sit on my credit report and I could eventually face a lawsuit.
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| 05/14/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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CMRE Financial Services is attempted to collect money from me but not willing to verify their information over the phone. I received a call from a representative and she did not confirm her identification and wanted me to verify my name and my address. Based on a XXXX search this company is a healthcare collection service. The company did not mail me anything confirming the debt is mine or what I got done. I do not owe any medical bills at this time but I am getting a call from this agency. I would like for them to confirm this medical debt and what I got done and the purpose for this debt. Company will not verify anything regarding my debt or any personal information that would confirm this debt is mine. I am being threatened and this company is trying to destroy my credit which I worked hard to maintain. The company is trying to collect XXXX dollars and I called my insurance company and they do not have an EOB showing I owe XXXX dollars.
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| 06/01/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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CMRE To Whom It May Concern : Account number # XXXX Account number # XXXX I am filing this compliant because I have recently checked my credit report. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt.
I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for.
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern.
Thank you, XXXX XXXX XXXX
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| 06/02/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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After reviewing my credit profile on XX/XX/2020, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2020 as this medical account has been paid for by my insurance/XXXX. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account, therefore a 2nd validation was sent out. On XX/XX/2020 my credit report was reviewed again and the discrepant account continues to reflect and has not been annotated as in dispute. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance/XXXX and that all information is correct and valid.
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| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
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Web |
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We applied for a home loan and and discovered that CMRE Financial Services was reporting medical debt collections for 3 accounts we were not aware of. They scored our credit a week prior and none of these collections were there. Also, in the reports they sent the mortgage company there is mention that the accounts were reraffirmed from Bankruptcy. We have never filed for bankruptcy and have maintained credit scores near 800 for several years. Once we were told about the medical debts which totaled {$310.00} We immediately called and paid those bills. We asked the company to delete the reports since we never received these bills and the statements having the reaafirmed from bankruptcy on the actions. They refused to delete the claim and were not cooperative when we asked. The reported collections have been paid and we need them deleted to rescore immediately because the small issue is inaccurately bringing down our credit scores.
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| 03/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I XXXX XXXX XXXX have been dealing with CMRE Financial Services for a few months now and they continue to violate the statutes I have listed below.
15 US code 1681a # 4 - respect the consumers right to privacy, CMRE has infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.
15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to CMRE that this debt is not mine.
*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
You will also notice in the screen shots i have submitted from my XXXX Report that CMRE has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.
THE PICTURES I HAVE UPLOADED HAVE ALL THE INFORMATION YOU WILL NEED TO HELP ME PUT WITH THIS MATTER.
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| 10/30/2015 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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This firm represents XXXX XXXX XXXX in a personal XXXX lawsuit. It was later determined, after correspondence mailed XXXX were never responded to, XXXX decided to simply turn their outstanding XXXX bill to CMRE Financial Services. On XXXX XXXX, 2015, this firm contacted and spoke to a " XXXX XXXX '' who repeatedly since XXXX XXXX, 2015, has indicated that our phone conversation was being recorded and that she would fax the bill so that the bill could be resolved at the time of settlement. To date, as of XXXX XXXX, 2015, XXXX XXXX refuses to submit the outstanding bill to this office despite receiving a HIPPA Compliant Medical Authorization for the release of medical records and " billing '' and a letter of representation signed by our client XXXX XXXX. The Account Number is XXXX and after this communication with your establishment, we will be filing a Complaint with the FTC. Her direct line is XXXX ; XXXX XXXX XXXX XXXX.
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| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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In XXXX of XXXX, I was placed on collections by CMRE financial for a payment of {$220.00}. I had not received the bill in the mail, nor did I get any phone calls/emails regarding this payment, which was due. This is not a recurring credit card, and the charge is related to Home owners association in the condo I live in. Often times, mail gets misplaced, which is likely the reason why I did not see this payment until it was too late. I have since then, paid the statement in full, and have not missed any payments since then. I am currently in the process of financing a home, and this old collection is still on my record and is affecting my ability to move forward with the transaction. The rest of my credit report is essentially flawless. I would greatly appreciate if I could be re-scored so that the appropriate credit score can be shown to the lenders. Please help me remove this from my record.
Thank you, XXXX XXXX XXXX
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| 01/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received several calls and a final letter from a collection agency on behalf of XXXX medical organizations in regards to a supposely pending account that was paid XXXX months ago and charge to my bank account.
When I call to clarify the customer service representative was really improper in her answer to me saying that the only way for me to do it was sending proof of payment ( which I completely understand and was ready to send ) I addressed that I have apply to a store credit a week ago and it was denied and it may be because they may report to XXXX and that they have damage my credit report with a false issue. she said that it was not her problem and that they will try to fixed if I send proof of payment.
I felt so mistreated at this point and I want to voice my most strong complaint to these entities and organizations that do not have any type of courtesy and understanding of the wrong behavior and consequences.
|
| 03/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been harassed by CMRE Financial Services multiple times in the past 3 years. In the past 3 years I've paid them at least {$400.00} each time I've been told that I paid them fully and the issue was resolved, I even set up payment plans with the company and they came after me again. I recently paid them an additional {$54.00} in XX/XX/XXXX for a bill I do not believe was mine just to get them off my case. I was recently contacted by them again on XX/XX/XXXX. XXXX has admittedly told me there are many different accounts under my name and that people aren't careful enough when entering in the debt 's. So sometimes it is under the wrong person. I have definitely have 100 % paid much more than I could have ever owed. I need someone to investigate this company. The number they called from XX/XX/XXXX was XXXX My transaction XX/XX/XXXX showed up in bank as XXXX XXXX XXXX XXXX CA XX/XX/XXXX Debit card transaction {$54.00}
|
| 07/06/2022 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX works with XXXX XXXX XXXX XXXX and started sending 2 bills in 1 month. My employer committed XXXX Discrimination against me and pushed me out of my job. So my grandmother and father were paying my bills. I was sending XXXX XXXX XXXX {$3.00} or {$5.00} dollars a month from my fathers checking account until they stopped sending me my bills immediately sent it to a collection agency, they were zombie debts that they have put current dates on. They dont list the dates of service and I can go to my dads bank and have the checks show I was paying them by law what little I could afford to pay them but I was 7 different accounts they were sending 2 bills in a month and I was paying what I could before they stopped sending me my bill and immediately sending it to collections. Which is illegal and I can have the checks sent to a lawyer because XXXX XXXX has already been sued for their illegal billing habits
|
| 02/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
CMRE was asked to verify collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records. I told CRME that they were violating my HIPPA rights and that I wanted they to stop reporting debt or I would sue. They followed up by sending additional HIPPA violation data in an attempt to validate debt. Debt that may or may not be included in discharged bankruptcy.
|
| 05/31/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
There was an eviction put on my credit account in XXXX, at the time I did not own an apartment. I was not aware of any debt until pulling my credit report. I tried resolving the issue on many equations by mail. In XXXX I was able to get the account removed from my credit, only to enter the year of XXXX with the same debt being put back on to my report from a collection agency who bought them out. Ive tried to dispute this account on many attempt.Ive spoke to all credit bureau, and this collection agency regarding identity theft. I have not received anything via mail as I requested. With this being on my credit it is making it very hard for me to find a home for myself and my child. It has put me into XXXX, and they are not showing any compassion of trying to get the issue resolved. Instead they are harming my credit by constant updating it every month, which goes against FCRA ( Fair Credit Reporting ACT )
|
| 02/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with XXXX XXXX XXXX yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problems due to their illegal tactics. My request has gone ignored & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to XXXX.
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was notified of this debt in XX/XX/2021 on my credit report, I immediately called and paid. I have been paying on this hospital bill monthly but did not know this was a separate bill. My dad was very sick and I was taking care of him by myself, he passed away XX/XX/2021. The hospital bill is paid off. I contacted the XXXX XXXX and they were happy to help get this removed from my credit report. I also contacted CMRE to ask them to remove, they were very rude. You can look at my history and I have always had good credit. This has ruined my credit even after paying and at my age this is devastating! I have always been very vigilant in paying my bills! Please help me get this removed. Iv even hired help which is costing me XXXX/month. If I had known this was a separate hospital bill I would have made arrangements to pay it. Life is hard as it is and this has absolutely ruined my life. Please help me!!
|
| 05/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last XX/XX/XXXX, I sent a request to CMRE to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents. Moreover, After more than 30 days, what CMRE did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. They definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.
|
| 07/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
2 parts.
The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. Originally cmre was attempting to collect 2700+. Now they are saying 700+. The agent struggled trying to explain to me how a 90 % discount from the 2700+ is $ 700+. At most it should have been {$280.00}. At most.
The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit by cmre starting in XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days.
The 2nd hospital stay for the other XXXX was XX/XX/XXXX. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX.
I would like to have this removed as this is a ball of who shot XXXX. Also remove all personal information from your databases.
|
| 06/29/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
CMRE Financial Services ( collection agency ) has classified my account with them as in Default, however I have proof of payment via my HSA with XXXX XXXX XXXX that my payments which actually exceed the amount agreed upon, were in fact mailed to them within the XXXX days of last payment. Their letter is generated when payments have not been received with the XXXX days. However, I have mailed them XXXX payments, XXXX of which were within the time indicated but the agency has not cashed XXXX out of the XXXX checks or posted them to my account. I called their account specialist, who just wanted to over talk me and repeat that they do n't have my payment. I have copies of the checks that were sent to them by XXXX XXXX XXXX. Do I have any rights, even when an account is in collections to expect that my payments are accurately posted and in a timely manner?
Thanks you for your assistance, XXXX XXXX
|
| 08/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To whom it may concern, I am reaching out on behalf of myself as CMRE Financial Services had never reached out to me regarding a medical debt from XXXX of 2019 regarding XXXX and placed it on my credit report. I did not find out about this until applying for my XXXX XXXX XXXX I then called CMRE Financial Services to try to rectify the debt. The company also has my name completely incorrect. Once I had given them a call I was just now sent with a letter. Why was I not given a call or a letter prior to this ever being added to my credit report so it could have been rectified then, which now I know is against the law. I also asked them to send me an itemized bill, in which they sent me just the amount of the bill and how to pay. Another generic response from this company.
Any help and assistance is appreciated. I look forward to speaking or emailing with someone from the CFPB soon.
Thank you
|
| 12/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not know what this debt is ; I disputed the collection debt on the XXXX XXXX and the results were " deleted. '' This collection was successfully removed from my XXXX credit report ONLY.
This collection debt was supposed to be removed from ALL of the credit bureau 's.
I asked this collection agency to please verify that this debt belongs to me and to provide me with a copy of the original contract. I have never received the documents I requested.
This debt collection agency claims I owe them money regarding a medical procedure. I have never allowed this company access to my medical records and they violated the HIPPA law, because they claim to know medical procedures that were performed on me.
I have attached screenshots of the debt being successfully removed from my XXXX credit report after I disputed it. I also attached screenshots of the debt still being reported on XXXX XXXX.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid.
Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights.
|
| 02/16/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I XXXX XXXX file this claim against a debt collector that on one level may be legitimate as a collection, but is illegal be posted on a credit bureau unless the specified 180-day notice guideline was administered. This guideline established the criteria on when a medical collection can be sent to a collection agency. At no time was I ever given notice by the XXXX XXXX XXXX or CMRE. This is a true Fair Debt Collection Practices Act violation. I have no issue paying the balance not satisfied by medical insurance, and would gladly submit a credit card payment to CMRE for the remaining balance. However, a violation was procured and the only remedy is for the removal of the collection from all credit bureaus permanently. I will honor a payout in full if it 's negotiated that upon constructive receipt of funds that both parties will be satisfied and the illegal collection is permanently removed.
|
| 03/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I have been trying to resolve this for months! On XXXX19, I contacted the original creditor who found that this billing was handled through my Medicaid benefit and was involved in litigation. The original creditor contacted the debt collector who had the item removed from my XXXX credit report but refuses to remove it from my XXXX credit report. The debt collector insists that they can not remove the debt no matter what proof I offer up. XXXX has supposedly investigated this item twice and also refuses to review my disputes thoroughly to find this error and correct it! I have never received a bill for any of this as the bills were sent to Medicaid and my attorney. Additionally, my attorney has attempted to get this resolved through the original creditor as well as the debt collector. This should not have been reported to collections and debt collection should not have been pursued.
|
| 10/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This alledged debt was paid by my insurance first. Second, I never received information on such owed debt. Third, this is a violation of my HIPAA rights as I said before because there is no reason my diagnosis and what test was done should be of any concern to this Collection agency. Fourth, this was added to my credit report w/o first contacting me. I 'm very tired and feed up with this collection agency for a {$270.00} alledged debt. So it will cost them more. Because I will be filing this with my attorney, due to the information that is on the form. Which includes my social, diagnosis and test that was done. My diagnosis is noone 's concern. ONLY the person who was caring for me at the time and it was not a Collection agency. What if I had a relative working for this company and they saw my diagnosis? I would be furious. And I still do n't know who else seen my diagnosis.
XXXX XXXX
|
| 10/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I informed them that the debt was not mine. They stopped contacting me and instead filed a lawsuit. When I emailed to settle to be done with it, they told me to call, but did n't give me a phone number. When I responded saying they did not provide a real phone number, they responded telling me to call them again.
Finally, I was able to find the number they never gave me online. I called to talk about the debt and XXXX XXXX told me they had filed to garnish my wages and did n't even know how much I owed. When I tried to talk to her manager about it, XXXX flat out hung up on me because I was n't " being very nice. " After two years of refusing to answer any communication from me, now they refuse to even let me pay a debt I never owed. Meanwhile, they have been reporting this account TWICE to the credit bureaus this whole time even though they told me they were not and would not.
|
| 08/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to XX/XX/2017 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was contacted several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with regards to proof the debt. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.
|
| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XX/XX/2019, we received notice that a medical bill was sent to CMRE Financial Services for collections. I was in the process of paying the hospital ( XXXX XXXX XXXX ) when the debt was sent to collections. CMRE is attempting to collect {$880.00}, which is not the correct amount. This amount does not take into account the payment I made to XXXX XXXX XXXX on XXXX XXXX for {$25.00}. I have repeatedly sent letters to CMRE requesting that they verify their information with XXXX XXXX XXXX and only attempt collection on the amount I actually owe. I believe this whole ordeal is a result of XXXX XXXX XXXX accepting the payment from me on XXXX XXXX, but not giving that information to CMRE. CMRE claims they have contacted XXXX XXXX XXXX and validated the debt, but they are still sticking to their claim that we owe {$880.00} rather than the actual amount we owe which is {$860.00}.
|
| 04/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Initially, I contacted the debt collector asking for validation of a medical debt that was allegedly owed to a hospital for emergency services in the amount of {$3600.00}. In the letter, I ask that they VALIDATE the information and NOT verify the information. I also asked that they would send me a copy of my signed HIPPA release which gave them the right to release my information.
The debt collector responded to my letter by delivering an itemized statement from the hospital which included all the medical services I allegedly received as well as the medication. They did not include my signed HIPPA release with with their response. This response from the debt collector was a blatant violation of HIPPA as my medical information is private and can only be release under my authority. In this instance, both the debt collector and the hospital are in violation of my rights.
|
| 09/13/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
i contacted CMRE Finance by phone on XX/XX/2019. I submitted a letter of insurance coverage from my insurance provided as requested. I contacted the original creditor directly as falsely reported on my credit report, The City of XXXX XXXX. The alleged original creditor does not have any information on me. I contacted them back on XX/XX/XXXX requesting information on the original creditor which CMRE refuse to give me and ask to amend the false information, which the CMRE has neglected to do. On XX/XX/XXXX I sent them a letter of validation of debt and they haven't responded. On XX/XX/XXXX, I sent them a second letter to which the have no responded. They still falsely reporting information to the credit bureaus. Additionally I have submitted disputes of information to the credit bureaus XXXX, XXXX and XXXX. These disputes have come with a no change to my credit report.
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a debt collection letter from CMRE FINANCIAL SERVICES INC, dated XX/XX/XXXX, stating that, XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. I do not owe this debt. I do not recognize this claim ( {$1000.00} ) and I have not taken any service from this provider after XX/XX/XXXX.
The last service I had taken from this provider was on XX/XX/XXXX. The claim ( {$2000.00} ) was fully payed by my insurance provider XXXX ( {$1800.00} ), and me ( {$200.00} ), and I do not have any outstanding bill.
This is not the first time XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. They did it before on XX/XX/XXXX with XXXX XXXX for the above mentioned service. I tried to contact both the service provider and the debt collector that time, but did not get any response from any of them.
Please help me resolve this repeated harassment.
|
| 08/04/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is a collection agency that is trying to collect {$11.00} from me that I believe I do not owe. After multiple attempts to request debt validation from this agency, it has failed to provide such information. It sent me an itemized list of charges ; however, no where on that list does it show that I owe anyone any amount. It also has failed to provide its license to collection in my state ( CA ). Additionally, this collection agency has referred my letter to its legal department.
Since the very beginning of my conversation with this collection agency, I have stated that I am not refusing to pay ; however, I would like it to provide me sufficient proof showing that I have any obligation to pay any amount. So far, in my opinion, it has failed to do so. However, in order to keep my good credit score, I have already paid the amount in dispute as of XXXX/XXXX/15.
|
| 05/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed this collection account four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the results remain the same. This collection account is from a medical debt by XXXX XXXX XXXX in XXXX, Illinois. At the time I had insurance and provided insurance to the hospital. My insurance sent me my explanation of benefits and it stated I was responsible for {$1200.00}. However, CMRE Financial Services and XXXX XXXX XXXX have a collection on my credit report for {$7500.00} which is a violation of my rights per the Fair Credit Reporting Act and The Illinois Balance Billing Law. This company has been reporting false and illegal information and have damaged my credit report by trying to make me pay something I did not and do not owe. They have been reporting failed/late payments since XX/XX/XXXX and I demand they be removed from doing any further damage.
|
| 12/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a notification from the credit monitoring app that I am using. This agency is being reported just this month XX/XX/2021. This is the first time I heard about this company. I am not familiar with the name of the agency or with the balance. What is expected is for me to receive notification first from the agency about any account that will reflect and affect my credit file. This account had a big impact on my credit score and it is so sad that I havent heard about this account. I was not given any proof of this account. I am worried that my personal information is compromised because of this notification. The reason I am filling a CFPB complaint case. Section 609 of the FCRA states that the agency is required to send me the original paperwork that verifies this account otherwise, this is false information. I need this account removed from my credit report.
|
| 07/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The options I chose are not exactly what happened but I chose as best as possible. I was the victim of XXXX malpractice. As a result I had to see a number of specialists, an ER visit for several days, etc. My husband arranged payment plans for all my bills. We were making regular, monthly payments with this particular creditor until XXXX when the coronavirus really hit us financially. We did fail to contact them to tell them of our hardship - it was kind of sad and embarrassing to be honest - however with utilities, et al giving hardship forgiveness, we figured these creditors would too. However, they never sent us a warning or final bill ; never tried to contact us to see what was going on - even though it should have been obvious. They just sent it straight to collections. I feel this is horrible - really uncaring and inconsiderate all things considered.
|
| 09/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have several medical bills that have been sent to a debt collector that are being processed by my insurance. I have called my insurance companies about the bills. They have agreed to reprocess these bills to be paid through my insurance. I called the collection agency about this, and they told me to call the original creditor. I spoke with them about removing these bills and they informed me that they CAN'T and WON'T remove them from my credit reports. The name of the company is called XXXX XXXX XXXX XXXX. The date of services are XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$440.00}, XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$810.00}. Each of these bills have been sent to CMRE Financial services inc a debt collector. But according to FCRA states that these accounts be removed from my credit report during this process.
|
| 02/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have two collections on my XXXX Credit report from XX/XX/2014, they are from a company called CMRE however it says they are originally from the city of XXXX XXXX. They showing a balance of {$2000.00} with an original loan amount of {$1300.00}. and another with a balance of {$410.00} I have tried to contact CMRE multiple times and I have not recieved any mail, returned calls, or anyone willing to help verify that this is my debt, I have sent them written requests and I have disputed through XXXX, and XXXX says I have to write another letter. These collections are holding me back from starting my new family and incesting in my future and I would like to file a complaint becasue I feel that by not responding to me and clarifying my debt that they are out of compliance.
I am 100 % confident this is either a mistake or some sort of identity theft
|
| 01/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2023 at XXXX XXXX I made a call to CMRE Financial Services, a debit collector.
I made the call to advise them that I was not responsible for a collection notice of {$110.00} that was sent to me.
The XXXX XXXX XXXX XXXX XXXX paid for all bills related to my XXXX XXXX. As all of my benefits state, the Veteran Responsibility is XXXX.
Out of the hundreds of lines of bills for my XXXX, this has been my only bill that I have ever received.
I explained this in detail, to the CMRE representative and she told me that I have no recourse other than dispute the bill.
I asked her " does this mean I have to go to the FTC to get this straightened out?
She immediately said I was threatening her by implying that I would go to the FTC, and abruptly ended the conversation.
What shall I do?
My credit report is important to me.
Thank you.
|
| 12/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CMRE FINANCIAL has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. I have never done business with CMRE FINANCIAL yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.
|
| 11/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I was involved in an on the job vehicle crash XX/XX/2021 in XXXX XXXX, Florida. The vehicle was registered to the employer XXXX XXXX XXXX XXXX covered by XXXX XXXX XXXX company commercial policy. I resisted being transported by XXXX XXXX XXXX but was all but forced into submitting with the assuring me that they had all the liability covered when they took possession of proof of coverage from the vehicleXXXX XXXX finally paid the claim in full on XX/XX/2021. On XX/XX/2021 CMRE Financial, a California based collection agency reported the account as unpaid to XXXX which in turn reported to XXXX. I have a perfect payment record with all of my legitimate accounts and took a severe hit to my XXXX score. Everyone involved has been notified and repeated disputes have been filed after XXXX and CMRE assured me the collection would be removed.
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| 01/02/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/20 a male individual posed as someone with questions and needing assistance related to my work and called the work phone line that got transferred to my extension. Then proceeded to tell me that the person is working as a process server and while not working for the company that he represents has summons for me to appear in court from a company called XXXX XXXX. I requested to refrain from calling me at work and also demanded that I be given a written poof or documentation regarding this summons as I am not aware of such and had not been previously informed of any of this. He did not disclose what the issue is about and just gave me the phone number to call for information and insisted that he will come over to my place of work in 30 minutes despite my request and after telling him that I am aware of my rights as a consumer.
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| 02/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Complainant is presently applying for a mortgage loan modification. CMRE FINANCIAL SERVICES acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.
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| 09/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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CMRE took a bill that no longer exists and added it to my credit reports. They did this to deliberately ruin my credit. Because I stopped paying them for my previous accounts which has been cleared from their records. They took an account, that was originally for {$890.00}, Date of service is XX/XX/XXXX, and sent it to the credit bureau 's. This account was originally from XXXX XXXX XXXX XXXX. But they cleared all of my accounts. Now CMRE has also found other accounts and added to me. Which were not connected to me until recently. They were my son 's hospital bills. They date back in XX/XX/XXXX for {$31.00} and XX/XX/XXXX for {$270.00} from XXXX XXXX XXXX XXXX All of a sudden these accounts have been added once XXXX XXXX XXXX XXXX XXXX their accounts. This company is trying to ruin my credit. And is trying to get more money from me.
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| 12/07/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I agreed to pay the XXXX outstanding amounts owed : {$300.00} & {$640.00}. They stated that once the outstanding amount is paid they would contact the credit bureaus to have the information removed from my credit reports. Although they notified the credit bureaus that the amount owed was paid and the balance is zero. They failed to have the negative report removed from the account. I was told initially they would remove the items from the credit report. When I called them to resolve the issue they stated they do not remove items on credit reports. They said other collection agencies do send letters to have the negative information removed but their particular agency does not. I found this misleading in telling me they do remove negative information and learned on the backed once the outstanding amount was paid that they do not.
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| 08/31/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have called on several occasions to notify CMRE that they are reporting erroneously due to the fact that I have been on XXXX XXXX for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as XXXX dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru XXXX back in XX/XX/2019. CMRE is the collection agency violating my rights under federal law
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| 11/26/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Medical group billed the wrong insurance on multiple occasions. Correct billing information was provided repeatedly. Spoke to multiple representatives who all confirmed they billed the wrong insurance company. Spoke to my insurance who confirmed they did not file a claim and asked them to fax it for immediate processing, which the medical group claims they can not do. Always maintained constant contact with the medical group and now received a letter from collections agency for full amount of bill and confirmed AGAIN that claim was NEVER filed with my insurance company. Sounds like fraudulent attempt to collect 100 % of cost instead of discounted cost required through insurance. Why else would they not make every attempt to bill the correct insurance company ... .even when they 've been given the option to FAX the claim in?!
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| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This allegation of debt is false. I do not owe these people. They refuse to provide complete information. I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. The items were not deleted, as requested.
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
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| 08/06/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The monies that the collection company is trying to collect and ruining my credit does not need to be paid back since the original company has sent me a 1099 and written this off as income.I was given an offer letter dated XX/XX/2017 ( trying to get in touch with the Headhunter to get a copy ) and nowhere on that offer letter did it state that i would have to return the relocation bonus if I didn't move forward with the job. After accepting the position I heard rumors that the company was in trouble and would be closing there doors so I decided not to move forward however the relocation monies that were given to me I had already paid out to move and get out of my current lease. The company has since closed and sent me a 1099 so i have already paid taxes on the same monies the collection company is trying to get me to pay.
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| 04/21/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The original debt is from the City of XXXX and it was sent to collections company by the name of CMRE Financial Services. the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called CMRE a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and CMRE a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. CMRE XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help
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| 06/03/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2019 I sent CMRE a letter to Validate a debt they say I owe. I sent it USPS Certified and CMRE received my letter XX/XX/2019. I gave CMRE 30 days to validate my debt, which is a reasonable amount of time to investigate my dispute. XX/XX/2019 should of been the final date to receive information on my dispute. XX/XX/2019, since I received no letter from CMRE to validate my debt ; I sent a 2nd letter to CMRE - explaining they are now in violation of the Fair Debt Collection Practices Act. Giving CMRE 15 days to remedy the situation.
XX/XX/2019 I finally received a letter from CMRE with a letter Postmarked XX/XX/2019 ; which is still in violation FCRA and FDCPA - past the 30 day allowed by law to validate the debt.
Today is XX/XX/2019 and CMRE is still reporting the debt they claim I owe on my credit reports.
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| 10/08/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I filed a compliant on the CFPB website back on XXXX/XXXX/2016 that CMRE was reporting inaccurate information and when I called to correct the information. CMRE required me to pay the debt before removing the dispute preventing my from refinancing my home loan. CRME provided the following response - The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days.
View the details of your complaint and the company 's response so far at : XXXX CRME removed the debt form my credit report in XXXX 2016 and now has listed it on my XXXX credit report without any notification for disputing the debt and violated Under the Fair Debt Collection Practices Act
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| 03/06/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Amount {$1100.00} which is {$890.00} and {$270.00} interest I have written this agency twice ( XX/XX/2020 and around XX/XX/2020 ) requesting documentation that proves this debt to be mine. I requested a copy of any contract with my signature ; I requested verification of their authority to collect on the debt ; the original contract because they are charging interest. I do not recall this debt. I requested validation pursuant to all laws that govern collection matters. I have only received a XXXX XXXX spreadsheet, Nothing from the original creditor, nothing with my signature, nothing with any proof that I contracted or agreed to do any business with the original creditor.
I have attached the documentation provided by the collection agency. Please know that I requested documentation prior and never received it.
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| 09/13/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was sent texts from someone stating they were from XXXX XXXX XXXX and I was to pay {$220.00} for xrays I received. I thought it was a mistake and ignored the first text. I responded to the second text instructing them to bill my medical insurance. Yesterday, I received a letter from CMRE Financial Services saying that they are a collection agency and I owe {$220.00}. I confirmed with the XXXX radiology groups in my county that I have no outstanding bills. I have EOBs from both of my insurance companies where they paid for the last two times I had xrays. XXXX XXXX XXXX XXXX said I had n't been to them since 2011 and they had no outstanding bills for me. All three companies said they would NEVER text me. I have not contacted CMRE Financial Services because I 'm not sure what the consequences would be if I did.
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| 09/09/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX I was admitted at XXXX XXXX in XXXX, CA. I was under XXXX XXXX On XX/XX/XXXX I received a bill from the XXXX XXXX XXXX XXXX for {$1200.00}. I called them and gave them my medical ID. A few months later I received a statement and a letter saying it was going to collection. I called them again. The gentleman on the phone said that they had my XXXX XXXX XXXX to not worry about it. I received a notification yesterday that my credit report included a collection. I called the credit collection company that confirmed that it was related to XXXX XXXX XXXX XXXX. I confirmed with XXXX XXXX XXXX was covered since XX/XX/XXXX and there was no reason for them to send it to collection. Now the collection company is asking me to jump hoops to prove that i was covered when it should have never gotten this far.
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| 12/16/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a statement in the mail from CMRE Financial Services saying that I was in collections for a balance of XXXX for XXXX XXXX XXXX XXXX XXXX a place I have never been ). I recently did have imaging done, but I called both facilities/doctors that ordered and administered my appointments and imaging and XXXX said that I had no outstanding bills. I looked up XXXX XXXX XXXX XXXX and their phones just ring until you get a recording that specifically mentions if you have a billing question to call a certain number, that number also just rings and rings. The letter from CMRE states that have tried to collect this outstanding balance multiple times, yet I have never once received a bill. I do not know what to do at this point, because I do not owe anyone money, but these people are falsely stating that I do.
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| 03/04/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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CMRE Financial Services , INC, acting on behalf of XXXX XXXX XXXX XXXX, XXXX, Texas, reported to my credit agency that I had not paid a medical bill ( {$1200.00} ). The adverse report decimated my credit score and I will very likely be unable to purchase the house I was intending to buy this year. Also, I am currently going through a routine background investigation for work with the federal government that will now include a massive drop in financial score and delinquent account.
The doctor billed the wrong insurance company. The office billed the VA rather than XXXX. I was not notified nor did I have the opportunity to resolve this prior to the debt collector taking action against me.
My life has been ruined by a measly medical bill not being billed correctly by XXXX XXXX and not researched by CMRE.
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| 08/01/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I disputed the {$630.00} debt with CMRE, and they ended up putting another {$200.00} debt on the report. As I had anticipated after filing a dispute they admitted the {$200.00} debt was past the statute and removed it but didnt remove the {$600.00} debt.
CMRE is stating that the validation letter i had sent them as my dispute had incorrect account number, however, the account number was from my credit report, Attached is the screenshot of my XXXX credit report with correct account number.
CMRE is in violation of the FCRA and the California Credit Reporting Act, as they have failed to mark the account as disputed. This is my final warning as I will proceed to file suit for this and seeking damages, if CMRE does not remove the remaining account from the credit report.
Attached herewith : 2. SC-100 form
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| 03/28/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company has asked that I pay a debt for {$670.00} & {$53.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX that they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM
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| 10/04/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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CMRE Financial Services , Inc. is trying to collect on a medical bill that I do not owe. They are not just reporting it to the CRA once, but twice. I have contacted this company by phone and in writing. On the phone, which I have a recorded copy of, a gentleman discovered that this is a single medical bill that is being reported twice. He said he will remove XXXX of them and that I still owe the amount.
Since our conversation over a month ago, the duplicate item is still on my credit reports and is causing me damages. I have since sent them a letter pointing out that they have n't fixed an admitted known error of theirs on my credit report with no resolve.
As far as the original debt, I have sent the original creditor a letter and will file a lawsuit with all involved once thirty days have passed.
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| 04/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The inconvenience that I'm having with CMRE is that I have a medical bill that they're collecting on, thing that I didn't knew it was that I still owed that when I thought that everything was already paid since I had paid other medical bills, The problem is that time later I check my credit report and there is a medical bill from them and I never got a notice or warning at all and then I call CMRE with the intention to pay to get it removed out of my credit report but they refused to because apparently they do not remove or request deletion to the credit bureaus once they get their accounts paid, but I explained the situation very clearly that I never got any notice of this bill ( literally how do they expect me to pay them something I didn't even knew I owe before it was placed into collections! ).
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| 11/26/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2019 as if this medical account belongs to me it should have been paid for by my insurance. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that may not be mine and should have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account is mine and was not paid for in full by my insurance and that all information is correct.
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| 04/24/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XXXX XXXX, 2015 I had XXXX XXXX and XXXX of my XXXX by XXXX XXXX XXXX. The total for XXXX came to {$77.00}. On XXXX XXXX, 2015 I called XXXX XXXX XXXX and asked for any discounts since I did not have medical insurance XXXX in customer service reduced my bill by XXXX % and I paid the discounted rate of {$38.00} at that time over the phone with my Visa debit card.
Over the next few months I continued to receive bills from XXXX XXXX XXXX for the discounted amount. Every time I got one of these bills I called customer service and was told they correct the error.
Now XXXX XXXX XXXX has turned my account over to a collection agency. I do n't know if this company is so poorly run they can not correct a simple error or if they purposely keep billing people hoping they will pay what they do not owe.
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| 08/26/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Around XX/XX/2019 I was in XXXX for a month and had to go to the XXXX XXXX Hospital. I saw a nurse and got an XXXX and that was all. I signed documentation for free health Insurance and medical bill coverage because I was not a resident and under the age of 21. I submitted it to the front desk at the hospital and she said I was good to go. A year later I was put into collections for XXXX $ under CRME FINANCIAL SERVICES they did not disclose any account information to dispute it or to pay it off. When I called the collections agency he told me I am being charged for an XXXX and to see a doctor. However, I only saw a nurse and got an XXXX Plus I signed documents for free medical and financial Assistance for the medical bills and was given no information about an account or remaining balances.
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| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by CMRE XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
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| 12/14/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a collection letter in the amount of {$300.00} from CMRE a week after receiving a statement from my doctor 's office for the amount owed {$98.00}. This is XXXX of many instances of billing errors CMRE has pulled on me over the years. In many cases they say there has been numerous attempts to collect outstanding medical debt from me that I had never received a bill for from either the doctor or the collection agency. I pay all debt in full when requested in a timely manner always. I have never had to make payments on my debt. A collection agency should never be involved in handling my billing. I could have rushed to pay the {$300.00} bill from CMRE never considering if the amount was either correct or justified. Who knows if they would have ever saw the problem and refunded me.
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| 10/27/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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Service provider, XXXX XXXX XXXX XXXX is double billing for a procedure. Since the second bill is false as I did not have XXXX identical XXXX on the same day at the same time at the same facility by the same or different Doctor ( s ). The service provider, XXXX XXXX XXXX XXXX has submitted the second false/fraudulent procedure to my insurance provider, XXXX XXXX of California and consequently XXXX XXXX XXXX XXXX has submitted this false claim to a collection agency, CMRE Financial Services to collect for a procedure that never happened. I need the harassment and threats to damage my credit from CMRE Financial Services to stop, I need XXXX to understand the second claim was fraudulent and I need XXXX XXXX XXXX XXXX to stop double billing so this matter can be expunged from all data bases.
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| 05/03/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been trying to work this issue out with the original billing office ( XXXX XXXX XXXX XXXX XXXX ) The XXXX refused to put the billing on hold while our insurance company ( XXXX ) was negotiating with them.
The insurance company has informed me, that I do not owe any money to this doctor.
An amount was negotiated with XXXX by my health insurance.
The amount they are still asking for is not owed.
The insurance company has informed me that XXXX XXXX XXXX is asking for an amount that is not valid.
They say that this is a dishonest practice called " Balance Billing '' where a medical practitioner tries to bill an amount they are not entitled to.
XXXX of the CMRE collection agency, informed me that XXXX XXXX is not accepting the offered amount of the insurance company.
XXXX XXXX
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| 12/01/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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The medical billing company, XXXX Medical Group, sent the bill to Medicare using the wrong social security number. The claim was rejected and it was immediately put into collections without any notice given. It seems to me that I should have been given the opportunity to clear up the bill before it was put into collections. On XXXX XXXX, we contacted XXXX and the correct SS # was clarified. The bill was re-sent to Medicare and the account was pulled from collections by XXXX that day. Even though the account is no longer in collections ( and in my opinion never should have been put into collections in the first place ), CMRE still continues to call and harass me. We 've told them multiple times to stop calling as this is a billing error that was already resolved. They still keep calling.
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| 08/10/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On or around XXXX XXXX, XXXX, CMRE FINANCIAL SERVICES began reporting a debt on my XXXX Credit Report. CMRE never sent me a notice collection notice, nor was I sent a letter with the FCRA right to dispute advisory. I only realized CMRE was collecting on a debt when I checked my credit report. I immediately called CMRE to request for information to verify the debt. After reviewing the letter I confirmed that I had already paid another collection agency on XXXX XXXX, XXXX for the debt CMRE was attempting to collect. I tried to dispute the debt a few times with XXXX to no avail.
I am resident of California and the original debt was dated XXXX XXXX, thus being over five years old at the time of CMRE attempted collection, and consequently one year beyond the state statute of limitations.
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| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from CMRE Finance for an amount of {$1300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.
Additionally, I am allowed under the Health Insurance Portability Accountability Act ( XXXX ) 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 am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.
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| 04/13/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Briefly - I was given a XXXX machine for XXXX XXXX, which did not work and was returned. I was promised a refund but when I showed with my XXXX machine but the only person to receive my machine was an assistant ( who I had never seen before ). She stated that the XXXX principals were not in ( even though I just talked with them by phone ) and that they did not have to be present to refund my {$500.00} deposit as they would refund my charge card from the info I had already provided. Not only did I not received my refund as promised, they then sent me a bill in XXXX for {$700.00} and sent me to collections as the same time. I informed the collection agency of the problem I was having but they informed me that their only responsibility/concern was to collect. Please help. Thank you!
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| 06/13/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The company CMRE FINANCIAL SERVICES , INC was contacted to resolve the matter but company refused to stop recording the conversation after being asked several times. They will not disclose information to a third party that is okay with being recorded to resolve matter. The medical bill was covered by XXXX XXXX hospital as a financial assistance program. This was sent to collections by XXXX XXXX XXXX XXXX XXXX accidentally this should have never been sent to collections according to XXXX. XXXX informed me that once the hospital covers the bill they drop all charges, but XXXX never informed them of the assistance. I tried to inform the collection company of this several different times. Company is very unprofessional and is trying to violate my personal right to not be recorded.
|
| 01/13/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/2014 I had an accident, I went to the XXXX Hospital in XXXX NV for treatment, after several months they were sending me bills, I contacted the hospital to send the bills to my medical insurance, they never sent anything to my insurance. I called my insurance and I told them I had that issue, they make several calls to the Hospital trying to get documents to pay that bill, but never got answers. Finally the Hospital sent my bill to an Agency Collection, the same way my insurance contac them to pay that bill never got answers, I have phone calls mesages from my insurance telling me unfortunately the collection Agency never provided the information my insurance request.My Insurance was XXXX ID XXXX phone XXXX, you can contact them if you need more information about my case.
|
| 10/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My insurance company made a mistake between my son and me for a wellness visit that is 100 % covered. This debt was from XXXX XXXX XXXX and purchased by XXXX XXXX. After speaking with my medical insurance this bill was 100 % paid for though the collection agency is not willing to speak with the company they have sold the bill to XXXX XXXX. I have contacted XXXX XXXX XXXX who has confirmed that this bill was paid though cmre will not accept this. The company is XXXX and the bill is from XXXX XXXX. What can I do to resolve this as a customer I am confused as to why the collection company is unwilling to work with me on a paid bill. If I did not pay the bill they would contact me several times a day though for something paid by my insurance they can not work with me.
XXXX XXXX
|
| 07/03/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ON XX/XX/2021 I sent in a debt validation letter which wasn't answered, according 15 USC 1692g which said I can ask for debt validation.
my information was sold to CMRE which was a medical account from XXXX XXXX XXXX XXXX
15 USC 1692d I was being harassed by this said company CMRE to pay a debt which was reported to my consumer report which harmed my reputation with others.
account was paid but harm was still on my consumer report from this matter.
pursuant to 15 usc 1692h if any consumer owes multiple debts and make any single payment to any debt collector with the respect to such debt, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the Consumer directions.
|
| 02/05/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section XXXX.
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me.
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
|
| 07/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt ( {$250.00} ) was paid in full 16 months ago ( XX/XX/XXXX/XX/XX/2018 ).
They submitted DEBT/ COLLECTION to 3 Credit Agencies which is still there 16 months later.
I have sent 4 Faxes and called them and they are not responding to my calls or faxes.
I contacted the Original debt owner and they stated that I may have a REFUND.
My credit / APR / has been NEGATIVELY AFFECTED ( for 16 months ) by a company that posted INCORRECT information and is now ignoring my attempts to clear it.
I have already submitted confirmation of payment by check " CASHED '' by XXXX XXXX.
According to XXXX XXXX XXXX XXXX staff, CMRE performs " billing services '' for XXXX XXXX XXXX, but they are NOT reviewing accounts, they are not communicating and they are not answering calls.
|
| 11/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Since XXXX XXXX, XXXX I never received any medical bill i live in XXXX XXXX, and now i am owing total {$2400.00} in medical bills that could of been charged to Medical since I just recently got approved for Medical in XXXX XXXX, Medical would n't do anything. i suddenly receive phone calls about the medical bills totaling that amount and asking them to release the phone number and information they refused to release phone number for ambulance and City of montebello paramedics, I am trying to get financial assistance for XXXX XXXX i have no income, just recently approved for foodstamp and trying seek a job and original amount owe for XXXX is {$1.00} XXXX and XXXX is {$350.00}, CMRE never told us any information regarding any debt collection or no mails ever received
|
| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received notice dated XX/XX/19 from CMRE Financial Services , Inc for a debt that I was not aware of from some creditor called -XXXX XXXX , XXXX , which I do not know anything about for a debt in the amount of {$100.00}. or debt.
I called the number provided - XXXX and provided them an acct #, from the letter - XXXX The lady that I spoke to did not provide her number and asked me for my birthday and/or the last 4 of my SS #. I told her that I was looking to identify what this debt was for, because it did not look familiar. I also told her that I would not provide any information that was not on the letter. She stated that was fine and she hung up on me.
How would I think this is a legitamite collection agency and/or debt.
Please look into and advise me.
|
| 02/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the CMRE agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.
|
| 02/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/17 a debt validation letter was sent to this company in response to a medical debt collection I was sent and unaware of. XX/XX/17 this company sent a detailed letter and breakdown of services that were rendered by a local hospital in which is a violation of Hippa. I never sign any authorization for any on my medical information to be disclosed what so ever. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third-party. On XX/XX/17 I responded by writing a letter to the compliance resolution department stating the above and that I would like the invalid information from reporting on my credit report. No resolution was made at all. This is a violation of the fair credit reporting act.
|
| 02/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing.
|
| 08/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/2022 I called CMRE Financial services , Inc after receiving a debt collection bill. The first time I called the phone was picked up and then immediately hung up. I had to call again and wait on hold. When the call was answered by a XXXX, I provided my information. When I began to request additional information from this person, I was repeatedly told that this bill was my responsibility, over and over. She would not provide answers to any of the questions asked and became extreme hostile, and unprofessional. She then hung up on me without answering or resolving my questions. This company is not willing to provide answers or properly take information. I feel that they are attempting to dodge calls in order to run up bills and collect additional money.
|
| 02/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
CMRE Financial Services , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has contacted me repeatedly concerning a debt owed to XXXX XXXX XXXX XXXX. I attempted to have them validate my debt and they have ignored all correspondence.
XXXX XXXX XXXX XXXX billed me for an emergency medical visit by a doctor. I was never treated by the doctor. I requested medical records and they immediately sent the debt to collections. There is another business currently at the address they list. They have sent me several billing letters and the name of the doctor changes from letter to letter.
I have multiple times asked CMRE to validate the debt and to give me some information that would indicate that XXXX XXXX XXXX XXXX is not a scam. They have ignored every letter.
|
| 08/06/2022 |
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
|
|
Web |
|
|
I had coverage with XXXX while under a physicians care. I have a letter from their office acknowledging I would have a XXXX balance at the end of my care due to having XXXX. The office waited past the dates XXXX would cover, to immediately send an amount of money to collections, also without billing me prior. They continue to refuse the paperwork I have sent, along with XXXX letters. This is an unjust action on my credit report that has no standing. They did fix the duplicate reporting, they initially hit my score with two different {$500.00} charges which I don't even have an XXXX with services for whatsoever.
CMRE FINANCIAL SERVICES - Opened - XX/XX/XXXX - {$510.00} - XXXX XXXX XXXX XXXX letter - coverage began XX/XX/XXXX and ended XX/XX/XXXX.
|
| 09/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a call from CMRE attempting to collect a debt place with it by XXXX XXXX This was CMREs first contact with me. I stated I dont owe the debt, it was written off and I had proof. I was told CMRE doesnt verify debts, the debt is valid and placed with it in XX/XX/XXXX by the hospital. I asked the the debt be verified over the telephone that moment, and the staff person told me we dont verify debts I will mark it as disputed and she hung up.
I followed up the phone call with a written request and a copy of the email indicating XXXX XXXX was writing off the debt in XX/XX/XXXX. I asked CMRE to verify and validate the debt as indicated in my correspondence. I made a second written request on XX/XX/XXXX. I have gotten no response.
|
| 10/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American, Servicemember |
|
This is a debt from a medical provider. I have XXXX and a XXXX supplement by XXXX XXXX XXXX. The provider, XXXX XXXX XXXX XXXX, Could have obtained the insurance information from the hospital as the rest of the providers do. Secondly, I never requested their services and was never informed of them. Also, I have made several attempts, by phone and on-line, to provide the insurance information to the provider and was met with incompetence and rude response. Their response was " pay it or we will turn it over to a collection agency. '' Additionally, I have informed CMRE Financial Services in writing that it is an erroneous charge and to stop contacting me. They still call. The amount is {$160.00} for services they supposedly provided on XX/XX/22.
|
| 02/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have NO CONTRACT with this collection agency. Not only do have they failed to provide me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out a letter but I have not received any letter at all bearing my signature or showing that I have any contract with them or any copies of HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 03/09/2021 |
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
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/18/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2016 I reviewed my credit report from the XXXX Credit Bureau and noticed an account from CMRE Financial Services , Inc . This agency claims that I owe them {$280.00}. Therefore I sent a validation letter requesting specific information about the account they claim I owe them. On XXXX XXXX, 2016 I sent the letter requesting proof on the account they claim I owe them. On XXXX XXXX, 2016 they sent a letter stating that they looked into my dispute. The letter I sent on XXXX XXXX, 2016 was a validation letter requesting specific information regarding the collection account that CMRE Financial Services , Inc claims I owe them. It was not a dispute letter. CMRE has not provided sufficient evidence that this account belongs to me.
|
| 09/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Supposed " debt '' is with XXXX XXXX XXXX, and they have been made aware on multiple occasions that their bill is under dispute. I was forced into a dangerous procedure that I did not need after 12 hours of pressure from multiple doctors, proven by the fact that the results of the procedure came back negative. They would not let me leave my hospital bed until I agreed to the procedure. Despite disputing this one particular bill for {$290.00} for this procedure, I have paid other bills that I received for the proper treatment I did need ( iv fluids etc. ) that day on XX/XX/22. Also note that the XXXX XXXX assessment of being out of network is incorrect, since the facility itself and other doctors at the facility were not out of network.
|
| 02/19/2021 |
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
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I contacted the CMRE Collection agency and negotiated to pay off a total of 8 collection accounts. It was agreed that upon payment of the collection accounts, CMRE would cease all collection actions and activity and grant a deletion of all accounts on all the credit reporting bureaus.
In XX/XX/XXXX, upon learning that the collection accounts were not deleted as agreed, and that CMRE listed the collections as " paid '' collection account but did not delete the accounts from the credit reporting agencies as agreed, I contacted CMRE and explained the above information. I was then informed that there was nothing that CMRE would do to assist me. I requested to speak to a supervisor and was not provided with a supervisor.
|
| 10/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2018 as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the that the creditor has authorization to legally access my medical records and to attempt to collect on this account as it should have been fully covered under medicaid and this account continues to negatively affect me.
|
| 03/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
This debt has been removed from all XXXX Credit Bureaus several times over the past 2 years and they keep submitting every 90-120 days after it has been removed. this is a Hippa Violation and a violation of my credit rights affecting me negatively after I've worked so hard to maintain good credit over the past 10 years. my score was XXXX when they started this. Please help or contact me as soon as possible @ XXXX or email me XXXX. Thank you.
XXXX XXXX XXXX XXXX.
Potentially negative Date opened XX/XX/XXXX XXXX {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX XXXX.
Potentially negative Date opened XX/XX/XXXX XXXX {$830.00} XXXX XXXX account. {$830.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX
|
| 06/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They failed to provide me with any documentation bearing my signature, showing the account is being reported accurately or any copies of HIPAA authorization. An itemized document was send to me that does not match any amount billed for my hospital visit and even the name of the supposed original creditor was misspelled I have also verified with the hospital that my account is current and in good standing. I feel as though several violations have occurred here : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Given all the complaints on XXXX about this company, this appears to be a scam..
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CMRE is attempting to collect on an INVALID debt.
I have received these documents from my insurance. I have scanned them and attached here.
2 files from XXXX ( XXXX XXXX XXXX ) for the amount of {$17.00} and {$42.00}. They are highlighted in yellow.
3rd file is an old statement sent to me by CMRE. If you look in that CMRE file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX.
Actually, my insurance paid more than that if you read their 2 statements.
So I don't owe them anything and I never did.
It's all XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance company and credit collector CMRE 's fault.
I have also attatched a screenshot of the tradeline from my credit reports.
|
| 04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX placed a collection on my credit report in the amount of {$1000.00} which does not belong to me. They have not provided any validation that this collection is mine. Validation means to provide me with a document that has my signature on it that proves this debt is mine. They have only provided a bill, which is not validation.
Furthermore, as I look on the IL website for collection agencies that are licensed or bonded to collect debts from me in this state, they are NOT licensed in IL to collect debts. They have placed this collection on my reports erroneously and are also not even legally eligible to collect debts in this state. I would like this debt permanently removed from all my credit reports ASAP.
|
| 06/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CMRE Financial Services is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable immediately.
|
| 09/01/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was once admitted to hospital for 2-3 hrs only and the hospital bill was mailed to my home address. Unfortunately, i did n't get the mail and missed the bill. By the time i inquired about the charges from hospital, they 'd already sent the amount of {$100.00} to collections ( CMRE, XXXX ). And then without any further delay, i paid the debt in full. Now everything is settled down and my credit report still shows the account is open though balance is {$0.00} ( paid in full ). As a result, any attempt made by any agency for credit check approval, it fails. I 'm being affected by this wrong Account-Type = " Open '', which is reflecting on my credit history.
I 've spoken to XXXX and CMRE Financial services but in vain.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX sent my account XXXX to collections for {$1300.00} on XXXX XXXX. I disputed this account in XX/XX/XXXX XXXX XXXX, who also confirmed with me on XX/XX/XXXX, that this account was disputed and should have not been sent to collections. I decide to pay {$1400.00} for collection as i did not want this to affect my credit. I called XXXX XX/XX/XXXX to see why my credit report has not been updated, XXXX stated they have not receive any information that my account was paid in full. XXXX lied and said they did XX/XX/XXXX, that clearly didn't take place.
XXXX TO SENT ME THE INFO I REQUESTED IN XX/XX/XXXX.
XXXX FAILED TO SEND ME NOTICE PAID IN FULL CMRE- FAILED TO SEND REQUEST TO CREDIT BUREAUS TO HAVE ACCOUNT REMOVED
|
| 05/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was harassed every single day of the week in XXXX-XXXX of 2021. This company constantly called me, left me messages, and pushed me to pay off a debt I was/am unable to pay. The debt collector is CRME Financial Services and the amount owed is {$840.00}. I was XXXX during the duration of COVID-19 and had/have no sources of income whatsoever to support paying off this debt. I also had to relocate/move my home due to COVID-19. I lost a lot over this last year and being harassed was not fair to me whatsoever. I disputed the account through XXXX XXXX and XXXX, stating it was a HIPAA violation, and nothing was resolved. I could really use some help with this. I am just doing my best to get back on my feet. Thank you.
|
| 05/11/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently signed up to credit karma so that I can repair my credit. I noticed that I have XXXX hits on my credit from a collection agency regarding unpaid medical bills. I always have had medicare any time that I had seen a doctor. I contacted medicare and they said they do n't see any money owed. I asked the collection agency to give me the name of the doctors that they claim I owe, and they told me they do n't have that info that its medical data and that I owe that money to them. Please help, I did not visit these hospitals at all and if I had my insurance covers XXXXpercent.
name of collection agency CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2015 WAS LAST REPORTED {$1500.00} {$3800.00} {$2800.00}
|
| 02/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I couple months ago I sent a certified mailing debt validation letter to CMRE. XXXX and they sent me back an itemized statement. A list of invoice numbers on a disputed debt does NOT provide enough information for a consumer to validate the debt.
I want this fraudulent account taken off my credit report. I am a victim of identity theft!
Also, the right to dispute inaccurate information is granted by federal law.
I have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer.
I have provided a copy from my credit report of the inaccuracies on my credit report from CMRE and its violating my rights.
|
| 07/29/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been paying down this debt ( 2 accounts were combined- a total of over XXXX, when I called to make a payment they told me I had a new collections amount over XXXX dollars. But I received NO COLLECTION LETTER FOR THat amount from anyone. I called my insurance company who then informed me that the other two accounts in collections with CMRE were paid in full by my insurance company- XXXX XXXX XXXX XXXX XXXX XXXX. I have both XXXX from those charges and they show NO BALANCE OWED BY ME. So I have been paying a debt that has already been paid in full. I sent those documents to CMRE and have called twice and no one will return my call and I have received no repayment of the hundreds I have already paid.
|
| 10/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a call from " CMRE Financial Services , Inc. '' claiming they were trying to collect information about a debt that is owed. I called back but they refused to give me any information without me providing my birth date or the last four ( 4 ) digits of my social security number, which I refused to do. In researching the company, I found they are known for making fraudulent calls and mostly attempt to collect debts for medical services. To the best of my knowledge all of my bills for medical services are paid in full and I do not have any outstanding medical debt. I am concerned this company is trying to fraudulently collect a debt that is not owed and it will negatively affect my credit score.
|
| 10/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/2020 XXXX XXXX Hospital XXXX send me to collections with CMRE for the balance of XXXX $ due to my daughter 's ER visit earlier this year.
Totally to my surprise because my daughter was and is insured by the time she went to the ER.
I've called them to asked numerous times why was I being charged but they keep sending me to different departments to the point that I had to call CMRE myself and let them know that this is a mistake.
The answer was to wait 45 days before they can remove or resolve this issue.
That was almost two months ago.
It's extremely unfair and is hurting my credit score tremendously, especially now.
Thank you for your help in advance.
Best regards XXXX XXXX
|
| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I was contacted via mail by CMRE Financial Services , INC about an alleged debt. I a natural person am being falsely accused to have owed an alleged debt in the amount of {$200.00} to CMRE. I do not have a contract with this corporation nor did I give any consent to them obtaining my information. As a federally protected consumer, I have the right to privacy pursuant to 15 USC 1681A ( 4 ). I contested with this corporation asking for validation of this alleged debt and have not gotten any response. Why would I pay a debt I do not owe? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
|
| 12/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/19 I submitted a dispute for the accounts with CMRE Financial ( # XXXX ) there are 4 accounts with the same account number. CMRE Financial verified to the credit bureaus that they are legally collecting the accounts.
I sent a letter directly to CMRE on XX/XX/19 ( tracking USPS XXXX XXXX XXXX XXXX XXXX ), at this point because it is getting frustrating. I requested all documentation proving this account is mine, they have the right to collect and what they are using to calculate the debt they claim I owe. It has been past 30 days and they have not removed these accounts from my credit reports or provided all requested documentation. These accounts should not be on my credit report.
|
| 10/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I went to the emergency room and was sent and paid the hospital bill but there was a separate charge for the physician. I never received a bill from XXXX XXXX XXXX and they turned it over to CMRE collection agency. I only discovered it when I was apply for a car loan and it ruined my credit. The emergency service was XX/XX/XXXX. The credit report showed a debt of {$970.00} dollars. CMRE never notified me in writing, email, text or phone call. Again I just discovered this last Thursday, XX/XX/XXXX. CMRE turned it over to the credit agencies and ruined my excellent credit which was XXXX!! Had I received a bill from the XXXX XXXX I would have paid it immediately. I lay all my bills as agreed.
|
| 04/14/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
CMRE Financial Services keeps trying to collect money that I have already paid to XXXX XXXX back on XX/XX/XXXX. I have sent copies of the cashed check from my bank to both CMRE Financial Services and to XXXX XXXX on XX/XX/XXXX, but I just received another collection for the same service. XXXX XXXX read a CT scan on me on XX/XX/XXXX and they sent me a bill for {$110.00} on XX/XX/XXXX. I paid it on XX/XX/XXXX. Neither company will acknowledge that I provided copies of the cashed check. CMRE continues to send collection notices and I'm receiving phone calls from them also. I just mailed a certified letter to CMRE today with more copies of the same information that I sent them on XX/XX/XXXX.
|
| 04/19/2017 |
Yes |
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
The hospital failed to send my medical bills to the correct address. I never received any bills nor did the input all my information as I have healthcare coverage that would 've covered the entire bill. They asked me for all my information and STILL failed to get it right. Now it has gone to collections and it is on my credit report because they failed to do their job. I have had so much trouble trying to get a copy of the bill. One gentleman I spoke with earlier his year asked me for the number on the back of my XXXX card and all my member information and assured me he would take care of it. Now it 's on my credit report and every time I follow up they tell me something different!
|
| 05/25/2016 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CRME uses deceptive practices by changing their caller ID to a local number so you think that it is someone you know. In my case a caller ID is shown for XXXX but the number left on my voice mail is not the same nor aresponsible they located in my area code so this method is very deceptive and in violation of FDCPA by spoofing the area code. On top of this my account was eligible for financial write off by original provider due to my being way below the XXXX guidelines and should not be sent to collections at all. I have sent notice by mail stating this already. Previous debts by same provider were written off for this same reason which shows I am eligible for the year debt was incurred.
|
| 06/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
The indicated company, CMRE Financial Services Inc., has refused to acknowledge or send information on a disputed bill for medical services. The company has been contacted three times by mail and once by phone and advised said bill was disputed, and that prove of debt was requested and required. The aforeindicated company has continued to attempt contact by phone, despite the fact the company was advised not to continue said practice. Also, the aforementioned company has sent to the complainant letters threatening dire consequences such as blacklisting with credit reporting agencies if payment is not received. As of this date ( XX/XX/2020 ) no viable proof of debt has yet been received.
|
| 07/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have this notification on my Credit Report as a Negative item ... .That was reported by a Debt collection Agency called CMRE FINANCIAL SERVICES for the amount of {$810.00} I sent them a Debt Validation letter and they never replied with a verifiable signed validation document to proof i owe the debt. Or anything from the original Consumer Contract with my Signature on it I have this Negative report on my XXXX and XXXX Credit Report. I have contacted the Credit Bureau by sending them letters to get it removed and they keep replying by saying the debt is accurate without no proof of verifiable signed validation document from the original Consumer Contract with my Signature on it.
|
| 08/16/2016 |
No |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
CMRE contacted my work to get a hold of me and asked me if this is Blank. At work I ' am called a lot so they tricked me. I said yes thinking it was company calling about some issues work related. Then they said this is a attempt to collect a debt. If I read correctly they can not contact you on your work phone. 2nd they have been garnishing me for a year now. They 've been taking money out for a year and the amount they are suppose to take too is up to XXXX dollars to pay of the debt bill. But it 's past XXXX dollars and I 've tried contacting them and every time I call they said they ca n't provide a statement or do n't have the information on file. Please I can use some help.
|
| 08/19/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill 's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information hycite service I returned all their equipment and their still charging me.
Hycite service Come financial XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove from my report
|
| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is in response to complaint XXXX. CMRE Financial responded to my initial complaint yesterday and stated they sent me validation yesterday as well, but failed to respond to my secondary complaint which is that they are not bonded or licensed to collect a debt in the state of IL. By Federal law, if a collection a gency is not bonded or licensed in a particular state to collect a debt, they legally have to delete all accounts from all credit reporting agencies. If they fail to do so, I will be pursuing legal action with my lawyer. This debt will need to be deleted ASAP. This has nothing to do with the validation they are sending me, this is a separate issue. Please advise.
|
| 04/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i Company placed the debt on my credit report as a collection agency as I have already explained to original debtor and they agreed was not my debt. Contacted collection agency very rude tried to explain to them not my debt stated did not matter would not remove it off my credit. Even offered to pay the balance not being me still stated that will not move off my credit report. The young lady was very rude and treated me as if I was some kind of trash off the streets. I will be forwarding to my attorney for violations of FDCPA and the federal trade commission as well. It is a shame that only do I have o spend money for illegal credit reporting but also waste my time
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 10/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I HAVE DISPUTED OVER AND OVER THE CMRE DEBT ON MY CREDIR REPORT FOR VALIDATEION. iT GETS REMOVED FROM SOME CREDIT REPORTS BECAUSE THEY CAN NOT VALIDATE THE DEBET. I KNOPW NOTHING OF THE DEBT ANT NEVER HERD OF THE DEBT OR EHO THE PARENT WAS THE DEBT WAS BEFORE CMRE BOUGHT THE BAD DEBT.
CMRE INSISTS ON READDING THE DEBT TO MY CREDIT REPORTS OVER AND OVER AFTER THEY ARE REMOVED WHEN THEY CAN NOT VALIDATE THEM AND STARTING THE CLOCK OVER ON THE STARTING DATE OF THE DEBT WHICH IS ILLEGAL ALSO. NOT TO MENTION THIS IS NOT A DEBT THAT IS XXXX OR I HAVE HEARD IOF, PLEASE REMOVE THIS FROM MY XXXX CREDIT REPORT AND COUNSEL CMRE FOR BAD AND ILLEGAL BUSINESS PRACTICESES.
|
| 08/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX And XXXX XXXX XXXX XXXX entered into a merger XX/XX/XXXX. After the merger I stopped receiving Bill 's and EOBs from services at XXXX XXXX. I was informed by XXXX XXXX staff on XX/XX/XXXX, that a {$360.00} credit was somehow added to my account and was advised not to pay any bill 's I received until this balance is resolved. I have made multiple phone calls to XXXX XXXX and third party billing agency, and nobody can reconcile the balances between XXXX XXXX office and third party billing. It is not possible for me to calculate what I actually owe with the information I was given. I have not received a correct bill from XXXX XXXX since XX/XX/XXXX.
|
| 08/31/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!
|
| 06/24/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time.
|
| 12/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had medical insurance of through the state of which I provided the information to the company back in XXXX when the matter arose. In XXXX I was placed in collection for this debt with CMRE. I had spoken with them on several occasions even disputing this debt and requesting validation of the debt. I was never provided such information upon my request. Due to the matter being incorrect it was removed from my credit reports. However CMRE violated fair credit act by re-aging this debt and changing the amount in order to place this debt on my credit report again. The debt they are now claiming is XX/XX/XXXX of which I have had medical insurance over the last XXXX.
|
| 09/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 12/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct.
|
| 01/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please accept this as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, 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 will await the requested proof.
|
| 07/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
CMRE FINANCIAL SERVICES , INC is reporting a medical debt from XXXX XXXX XXXX in the amount of {$1700.00} since XXXX of 2017. I have disputed this debt as a hippa violation and sent a validation letter and have not got a response. Furthermore the bureaus state that the debt is verified as accurate without any documentation. CMRE FINANCIAL SERVICES , INC is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA and to my knowledge is not licensed or bonded to legally collect a debt in the state of Texas. I am more than disappointed at the affects this has had on my credit report the last 3 years. Please have them remove this debt due to the aforementioned. Thanks.
|
| 02/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 Multiple contacts with CMRE and supervisor XXXX XXXX XXXX to immediately cease all collection activity as FTC Identity theft Affidavit and multiple police reports provided.
XXXX XXXX XXXX XXXX XXXX XXXX indicated he would contact XXXX and XXXX to delete the fraud account, and sent a deletion letter to me via email.
Numerous conversations with XXXX : representatives XXXX XXXX and XXXX, 2021 indicating that CMRE has not sent Deletion letter on the above referenced account, nor have they sent via E Oscar the proper coding for deletion of this Fraud Account.
|
| 03/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
In 2012 was seen at The XXXX XXXX XXXX XXXX. They took my insurance. I am XXXX insured. They filed my primary insurance and did not file my supplement insurance which also covers any deductible. I wrote them letters and tried calling and they refused to answer. They sold the balance of my account for {$55.00} to a collection agency - CMRE Finance, XXXX XXXX XXXX, XXXX, CA XXXX. When contacted I asked for a copy of the charges. Never received from either agency. They acknowledged the XXXX billed my supplement company, but because it was over a year they would not pay. CMRE Finance filed with the credit bureau 's even though erroneous billing had occurred.
|
| 12/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2022 I received a letter from CMRE stating that they were trying to collect a debt. I disputed the debt. later in XXXX I received another letter about the verification of the debt. There is no information on this document. No patient, no bill, no company. I have asked for proof this is my debt asking for a bill from the creditor and nothing has ever been provided that says this debt is legitimate and not some sort of scam.
In addition I have no record of seeing a doctor on said date, in addition I have insurance that would have been used and even if there was an error I would have received a bill from the doctor directly which never happened.
|
| 10/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company has only sent me one page statements. The most recent statement threatened to adversely effect my credit report. I called to clarify and the representative said that if I did not pay at least a minimum amount, they would write two credit bureaus and adversely effect my credit. I requested that they provide me any information pertaining to the account that details their authority to adversely effect my credit. They declined. XXXX ( Extension XXXX ) said that he would only send me any information required by law. I asked him to explain but he kept repeating that information. He also fraudulently stated that I made statements which were untrue.
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX erroneously processed an in-network claim as being out-of-network. They re-processed the claim correctly and made additional payments and I then paid my remaining bill in the amount of {$100.00} on XX/XX/16. CMRE Financial Services is attempting to collect {$160.00} which is a remaining out-of-network amount from this original processing error and original bill. I confirmed with XXXX that all charges were re-processed, and that payments were made. I provided CMRE will all the receipts and correspondence between myself and XXXX. They never responded to my dispute of the charges, nor did they verify the debt, and have continued to pursue collection.
|
| 02/13/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
My account for XXXX services I received from XXXX XXXX XXXX was placed at CRME Agency for collection. The information in my file contains my personal information including my XXXX. Recently I have noticed suspicious active on my credit report in the time my account was place in CRME Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and CRME refuses to provide this information
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had my credit reports pulled by my realtor and was told I had some medical debts that needed to be taken care of. My family and I have lots of great medical coverage and have never received any bills. I began to dig into the accounts and the company CMRE has never been able to link the debt to either me or my husband. Please help me get this resolved so we can purchase a home for our family. This mishap has caused lots of undue stress and discomfort for my entire family. Where we live is no longer safe and we must get out daughters into a safer neighborhood. This has been more stressful than necessary as we have no outstanding medical bills at all.
|
| 07/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
CMRE Finance, placed on my credit report twice the same amount for the same day ( 1.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 2.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 ) charge off for medical bills. I had called them and told them that I was covered by the XXXX XXXX and XXXX and used providers in the insurance group ... that I was Not responsible for the amount not covered by insurance and according to medicaid I do not owe this, as the hospital and doctors ( under contract ) has agreeded to accept as payment in full from insurance company for the services that were given to me.
|
| 12/30/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
i received a forwarded piece of mail on XX/XX/2016 from CMRE FINANCIAL SERVICES and have not been given : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent
|
| 10/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Regarding : CMRE Financial Services Inc.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX In XXXX, I had XXXX and received a bill from the XXXX XXXX XXXX XXXX XXXX, XXXX. I overlooked paying the bill, which was referred this service. Earlier in XXXX, I negotiated a settlement with CMRE and paid the bill in full. Since that time, I have continued to receive harnessing phone calls from them requesting payment. When I spoke live with their representative, they told me that there was a mistake and they would remove me from their system.
I believe these calls were an attempt to get me to pay more money to them after we have already settled.
|
| 05/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi!
On XX/XX/XXXX I visited the ER at the XXXX XXXX XXXX Hospital. I provided my insurance information at the time of service. I received and paid 4 bills that were processed through my insurance XXXX XXXX XXXX XXXX XXXX, which was provided to me by XXXX. One bill, attached, was a facilities fee for {$570.00}.
Without telling me, my insurance refused to pay this bill. They claimed the billing codes were fake. Also without telling me, the hospital sent this claim to a debt collection agency after 3 months. After a long back and forth in which I had no leverage, I ultimately paid {$290.00} to the debt collector CMRE Financial on XX/XX/XXXX.
|
| 01/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have XXXX derogatory collection accounts on my XXXX and XXXX credit reports from a place called CMRE Financial Services. I have tried repeatedly to try and have these removed because I do n't even know what they are but have failed in every effort. In trying to have these collections removed this company continues to change the dates on my credit report so that these collections are never removed. I have tried everything to have these collections removed from my reports and to have the people from this company leave me alone. They just keep harassing me by phone and I 've told them repeatedly that I do n't even know what these accounts are.
|
| 07/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a copy of admission form, This form I did not sign or legally agree to. The signature on the original admissions form was signed without my permission, consent or knowledge. XXXX XXXX had a family member sign on my behalf without my consent or knowledge, in doing so, they took my rights away of being informed as a consumer! At the times of medical procedure I was of sound body and mind and able to make my own decisions and was denied this right. This document should be nulled and debt should not be legally collected on. I would like all debt, interest and all derogatory reports added to my credit bureau removed.
Thank you, XXXX XXXX
|
| 04/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have two collections on my credit report from CMRE for XXXX XXXX XXXX XXXX. I have attempted to contact this company three times to dispute these two accounts. First of all, they are duplicates. I reached out to the company to make them known of this error and to please delete one of the accounts as they were the same. They refused. I provided them with proof and they still denied that it was a duplicate. After the third attempt to have the account removed, I decided to try this route with the CFPB. XXXX XXXX XXXX had a total of two accounts that were outstanding and I thought they both had been paid with my HSA from my previous employer.
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| 11/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I would like for the CMRE. XXXX to show proof of verification that I owe them {$1800.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.
In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
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| 09/01/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I received a letter from CMRE financial services INC. for a principal amount of XXXX. This is for a XXXX XXXX and XXXX I had done. During the time of this visit I had insurance with XXXX through my father, XXXX XXXX, which they failed to bill. I never received a statement for the money owed they just sent this bill to a collection agency. Furthermore, to add insult to injury, this company is unlawfully charging me interest. The CMRE Account # XXXX PIN # XXXX Account # XXXX. From what I recall this is for XXXX done to gauge my XXXX due to being diagnosed with XXXX in 2011. This was requested, I believe, by a XXXX XXXX XXXX in XXXX XXXX, CA.
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| 05/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I called this company on or aboutXX/XX/2018, spoke to XXXX ext. XXXX and requested an itemized statement. I did not receive what I asked for. Then I called back on XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I spoke to operator XXXX she was very rude requested to speak with a supervisor, I was placed on hold then transferred to a voice mailbox that kept requesting for a password. I have been trying to verify weather these accounts are mine. I am still awaiting on a response because I am not going to pay for something that's doesn't belong to me. I have attached a copy of the letter they sent me, as you can tell this is not an ITEMIZED copy.
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| 07/12/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately.
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| 07/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I submitted a complaint ( XXXX ) on XX/XX/XXXX regarding this company not being bonded or licensed to collect in IL. They submitted the attached document from the IDFPR. At that time in XX/XX/XXXX, they were licensed. However, per the attached that THEY sent me and upon checking the IDFRP 's website moments ago, their license has expired on XX/XX/XXXX and legally they can not collect from me and all collection efforts must cease or I will get my attorney 's involved and file a law suit for violating my rights as a consumer. There are currently 3 negative items reporting on my credit reports from them and I want them removed ASAP!!!
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| 07/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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I have received multiple calls on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 at my employers from the number I've identified, the company is CMRE Financial Services. According to the Fair DEBT Collection Practices Act it is illegal to attempt to contact me through my employer. Along with these calls there is a recorded robo message that clearly indicates they are attempting to collect a debt from someone with my name and the robo message can be heard by any person who answers the phone, therefore this immensely puts my employment at risk and is defamation of my character and name and breaks the law in relaying private information.
|
| 06/23/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/2016 FOR 3 CHARGES.
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
|
| 10/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I had never received any notice that they were even trying to collect for an account until i seen it pop up on my credit they are saying it owed to a hospital called XXXX XXXX i have never visited a hospital with any name like that i always have an always will us XXXX XXXX. Also the date they gave that suppose services were done i was not in any hospital on thoughs dates. They have a inaccurate address on the account that i never have even resided at. I am trying to better my life an purchase a home an this has now knocked my credit way down after a 3 year process to bring it up. This Account is invalid an is not owed from me.
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| 12/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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CMRE FINANCIAL SERVICES COLLECTION/CHARGEOFF Other {$150.00} Status Date Reported XX/XX/2022 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 7 Months Credit Limit Not Reported Highest Balance {$110.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remarks Placed for collection.
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Hello my name is XXXX XXXX I have a concern with a company named cmre financial services located in XXXX California back in XXXX it states I was seen at a hospital in XXXX New Mexico a year later I received notification that my credit was hit hard because i failed to make a payment I contacted the company several times to see why I wasnt informed of this in the beginning that way at the time I could have resolved this manner with a payment at the time also I never a Debt Validation Letter the company said they reduced the amount by XXXX XXXX and still are seeking an additional {$1200.00} I dont have {$1200.00} to pay them
|
| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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|
Web |
Older American |
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DEAR CFPB : This matter is in regards of, 4 Debts, one is from : XX/XX/XXXX, another one is from:XX/XX/XXXX, the other one is from:XX/XX/XXXX, and the last one is from:XX/XX/XXXX. I wrote the debt collector before 30 days as per Sate and Federal Laws dictate, NOT TO CALL ME, NOT TO HARRAS ME, that this matter was closed and PAID IN FULL to the collection agency. I also requested to the collection company that if they had anything ells to please to contact my Attorney in charge of this matter. This collection Agency is abusive and keeps writing me mail and keeps calling me 4 to 5 times a day. Thank you. Respectfully yours.
|
| 04/12/2022 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 08/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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A service provider for a doctor tried to over bill me without authorization. I had stated in writing to my doctor that no third party service providers especially ones out of network were authorized to be used without prior approval. A company called XXXX XXXX XXXX started billing me without any authorization. I spoke to them and disputed not only the fraudulent nature of the service and they they had no right to bill me since I was not notified nor approved their service as required in my agreement with my doctor 's office. After acknowledging the dispute they submitted it to collection company CMRE Financial Services.
|
| 01/23/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.
|
| 06/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I Received another attempt ( # 3 ) to secure payment on a medical bill from CMRE Financial Services, XXXX, CA, that is not mine to pay. Identified individual on the statement is not me. The account of the identified individual is XXXX. AlthoughI have the same first name, I have never had the last name, XXXX. A previous collection attempt by this company was labeled on the enveloped Return to sender, addressee unknown and placed in the US mail for return delivery a year ago.Below is the companys address and listed telephone number.
CRME Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA. XXXX ( XXXX ) XXXX XXXX
|
| 03/14/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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I received phone call and male said he wanted to speak to XXXX XXXX. I asked what it was about and what organization he was with. He would not answer. He wanted my birth date and social security number. I asked him again who he was and whom he represented. He said XXXX and said they sent me a letter and that I should go home and read it and call back when I wanted to talk. I googled their name and phone number. I have no knowledge of this company or their services or letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX.
This was a horrible way to treat someone even if they do own for a medical bill.
|
| 10/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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On XXXX XXXX, 2018, CMRE Financial Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account.
They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.
According to the FCRA, CMRE Financial Services has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
|
| 06/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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From XXXX to XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX on my hand. I never reciev a bill even though I requested an itemized bill several times. They failed to properly file with my insurance company. XXXX XXXX i recieved a collection ntice for {$2000.00}. I called the hospital and was told it is now too late to file correctly on the insurance. Once again I requested an itemized bill - they emailed me an " itemized bill '' which is incomplete list of all visits I made and payments I have made at time of services. I have been out of work since XX/XX/2023 and currently have no income.
|
| 07/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I originally contacted XXXX XXXX to settle the debt and they said to go in when on the phone when I did sthey recanted and sent it to a collection agency that never sent me anything, I did have medical insurance that should have been billed and they never did. Now I have a debt of almost {$6000.00} that they expect me to pay. I have disputed this and requested that they send me something in writing of that account through the credit bureua and all I got from the credit bureu was that its valid with no proof the individual at the credit agency said we dont contact them just run it through an electronic system.
|
| 05/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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The debt was paid late by my insurance but it was due to the fact that the doctors office in question submitted the claim incorrectly multiple times. My insurance contacted the doctors office and let them know as well. I was in contact with my insurance the entire time. My original date of service was XX/XX/2015.There are XXXX entries for this XXXX date of service on my insurance site. The doctors office turned me over to a collection agency that wanted to hear nothing but when I was going to pay a bill I did not owe. They have since reported this on my credit and I am in the process of trying to buy a house.
|
| 10/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On XX/XX/18 I set up an automatic payment plan on my debt for {$130.00} a month on my credit card. With CMRE debt collector 's. On XX/XX/18 I called and made and offer to pay off debt in full.
The company accepted. Two days later they charged my credit card again for {$130.00}. I called again and they said it was to late to atop automatic charge and debt paid in full but now it was for the full amount not offer in compromise.
I asked if this was going to happen again next month, they said we are professionals of course not.
Today XX/XX/2018 guess what there is a charge for {$130.00} on my credit card.
|
| 01/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Web |
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|
In 2014 I had a car accident in which I ended up in the hospital and incurred medical bills that were wrongly sent to the collection agency because the bills were not sent to my insurance company on time. Upon finding this out I contacted my insurance company and they paid the bills in full. I then contacted the collections agency stating that the bills had been paid in full and they should remove the collections accounts from my credit reports because it was negatively hurting me. They are very hard to contact and the representative is very rude and hangs up on me every time I try and resolve the issue.
|
| 11/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/2021. CMRE FINANCIAL SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA CMRE FINANCIAL SERVICE has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 01/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I used XXXX XXXX ( XXXX ) for an XXXX problem back in the summer .I was billed {$680.00} and let them know that I was paying {$200.00} installments. They were ok with it. After I paid it off I received a letter from a collection agency CMRE that I owe {$280.00}. I called them and talked to a representative called XXXX and asked me to send my bank statements to prove it. That was XX/XX/2019. She told me I would receive a payoff statement. I have not received that payoff statement yet. The funds have cleared my account and there is no reason for me not to have received my payoff statement after 2 weeks.
|
| 11/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I have reached out to CMRE via a phone and mail to dispute an account they are claiming is in outstanding. I was instructed to send an dispute letter to their dispute department on XX/XX/2019. Having send the requested info CMRE has failed to validate the debt as per the FDCPA, they are holding my credit XXXX their account appears on my credit report every 6 months after I dispute with credit bureau and have it removed it comes back and their argument is we have the correct info. I have a copy of the certify letter I send it over to them and I have yet to hear from them let a lone validating the debt.
|
| 09/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am not sure how CMRE financial was able to grab a hold of my information..
CMRE have already sent me 2 letters with different amount balance each time. They have left me a voicemail stating that they are calling in behalf of XXXX XXXX of California, this is a fraudulent claim by CMRE.
I do NOT owe any money to XXXX XXXX of California. I have contacted XXXX of California and confirmed that there is no existing amount due. My final payment was made in 2014.
CMRE needs to be investigated because they are stealing innocent people money.
Please help me get this fraudulent company CMRE off my back.
|
| 03/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is not a legitimate debt. I have repeatedly attempted to contact the office claiming I owe them money. The office does n't exist. Now, CMRE Financial Services is calling me to collect on this debt that is not legitimate. I tried to explain that to them and asked for my number to be removed from their call list. They refuse to give me any information about where they got the information. I told them I needed it to add to the police report for a stolen identity case and they still refused to give it to me until I confirmed my SSN and birthday. I refused for fear that they too would use my identity.
|
| 01/27/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have called and left messages as well as waited on hold multiple times for over 20 minutes at a time. I have never once gotten anyone willing to take my money for the {$60.00} I owe. No one has ever called me back on my multiple messages left to make my payment after leaving clear, concise, information about my and my information. The hospital is also refusing to take my money. I have now tried calling again today 4 times and have been hung up on each time and no one will take my payment. I am in collection and should not have been even for one day because they are not allowing me to pay by debt.
|
| 06/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent over two certified letters to both the creditor as well as XXXX and XXXX. I waited over 3 months and still have not received any validation from the creditor proving that this debt is mine.
This debt is not mine and is unknown to me. When I sent in certified mail to the collections agency and credit bureaus asking for validation and proof, I did not receive any response.
I want this removed as both the creditor and the bureaus are in violation of the CFPB rules.
This is not mine and the creditors wont send me any validating documents.
I want this removed as soon as possible.
|
| 05/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I received a title loan on my car back in XX/XX/2016 for {$100.00} my car got impounded by police after someone else was driving it when I went to get it out the tow yard said I couldn't get it because there was a lien on title from title loan place and they were getting it cause I hadn't paid my loan so I didn't get my car from impound title loan place did and now they are still trying to charge me for it after they took my car to you don't get money and the car I told them they got the car they said no they didn't. B why would I just leave my car and not get it back if I could it makes no sence
|
| 05/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked CMRE to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 01/30/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Received a notice of debt collection that went to my old address for medical bills that I never had. The fact that this went to my old address and I have not been to an Emergency Room or had any operations, makes this seem suspicious if not fraudulent. I recently purchased a home and no-where in the loan application did this debt show up. After a quick XXXX search, said company has been accused of shady and fraudulent business practices in the past and the majority of anonymous users instructed readers to take their problems here to potentially resolve the issue, I sincerely hope that it will.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My bill was reported to access said they gon na to take care of medical bill, they never did a 3 rd company never told me never address me nothing about they bill they medical company did do nothing about it .I was told this was paid off all ready and my credit is bad and no 3rd company 's don't have my authorization about this only bill on my credit report they are fake and this bill needs off my credit report thank you XXXX XXXX a 3rd company has my bill and is fake, no rights my bill is over 145 days and 2 company 's 3rd party has my bill no rights and this a medical bill was taken care of
|
| 01/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In violation of the Fair Debt Collection Practices Act, CMRE Financial Services , Inc is attempting to collect a debt from me for a medical account that has already been paid. I have a copy of the check XX/XX/2018 paying the account directly to the original creditor ( XXXX XXXX XXXX ). I am uploading the copy of the check here. The creditor account number is XXXX and the CMRE account number is XXXX. The amount paid in XX/XX/XXXX was {$190.00} which was the full amount due. CMRE Financial Services , Inc has no claim as the entire amount was already paid in full directly to XXXX XXXX XXXX.
|
| 07/30/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
CMRE FINANCIAL SERVICES Has reported a collection for {$160.00} on my XXXX report on XX/XX/2020. They violated both the California and federal executive orders to freeze medical bill collections due to Covid-19 which I am a victim of. I am also completely not aware of any medical bill for {$160.00} nor have I needed any medical assistance for many years. This does not belong to me, I have never received any documentation and finally I can not even contact the company because they are presumable closed due to Covid-19. I ask this charge be removed from my XXXX credit report immediately.
|
| 03/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMRE Financial Services sent me a letter stating that I would be sent to collections for debts owed to XXXX XXXX XXXX XXXX.
I would like to say that I have NEVER been late on any payments EVER. I never received notice from XXXX XXXX XXXX XXXX ; had I, any properly owed debts would have been paid.
I paid CMRE Financial Services twice for similar debts they claimed I had. I'm not sure how they have collected my information over time, but they are definitely scamming me into paying them so that I don't get sent to collections. XXXX XXXX XXXX XXXX claims not to know about these debts.
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I received a letter of debt collection from CMRE Financial Services , Inc.I do not believe that they are licensed in Illinois . They have an NMLS id ( XXXX ) and are apparently licensed in 11 states, but Illinois is not one of them. I am awaiting additional information from the hospital where this debt is alleged to have arisen. The debt is for {$200.00} and if I owe the debt I will pay the hospital, but CMRE should not be performing debt collection activities if they are not licensed in Illinois. I have also filed a complaint with the Illinois Department of Financial Institutions.
|
| 01/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
As documented in the attached correspondence, I have spent a great deal of time and effort trying to correct a billing error with XXXX XXXX XXXX.
When CMRE first contacted me about this alleged debt, I sent them a detailed message explaining why I contested that I owe XXXX XXXX XXXX any money, including proving CMRE with both the proper billing code that should have been used and the improper code used. CMRE completely ignored my letter, and continued to try to collect this debt. Not only did CMRE call me, but they sent me letters threatening to report this debt to XXXX and XXXX.
|
| 08/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMRE Financial Services Inc. is continues to report on an account that was already paid off thru XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and XXXX XXXX. This account has been paid through their healthcare clearinghouse ( a third party payment processor ). This company appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, CMRE Financial Services Inc. is certainly one of them. I demand that it be removed.
|
| 08/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back on XX/XX/2019, I sent to CMRE Financial Services a demand for validation letter for the following accounts : 1 ) CMRE FINAN SERV XXXX Balance : {$300.00} ; 2 ) CMRE FINAN SERV XXXX Balance {$300.00}. As of today they have failed to provide me with the proof I have lawfully requested.
I am requesting your help so this company stop reporting these invalids items to the credit report agencies. Ive done everything in my hands but Ive been ignored. These accounts being reported to the credit bureaus without sending me a validation for the debt is a violation under the FCRA.
|
| 08/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I was admitted to emergency after an accident. Information was taken but my name was not spelled correctly so it was rejected and a bill was sent in the wrong spelled name not my name. I called and notufied them and the onsurance company. When submitted to my insurance company it was first denied because of wrong spelling not me. It was later submitted with correct spelling and was paid in full by my insurance company with correct spelling. I have not received any billing since paid in full through XXXX and insurance company. This should be removed from my XXXX credit report.
|
| 03/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX i seen some accounts on my credit report from a company called CMRE account number XXXX and XXXX and noticed that those these 2 accounts did not look familiar to me so i contacted XXXX and XXXX and they removed the accounts. I look at my credit again and the same accounts are appearing once again. These 2 accounts are fraudulent and need to be removed from my credit immediately. i do not owe no medical bills i have not been to any doctor in XX/XX/2020. Please see attached Identity theft victims complaint Affidavit and California drivers license to support my claim.
|
| 10/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
To whom it may concern : A certified mail debt validation letter for was delivered to CMRE dated XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. CMRE never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX and XXXX investigated the debt to be inaccurate and deleted CMRE accounts. XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.
|
| 03/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I've received numerous calls from CMRE Financial Services at XXXX. The company provides no way to be removed from their call list because they only leave voice mails and the phone never rings. The most recent call I received was on XX/XX/2022 at XXXX. The voicemail advised that it was CMRE Financial Services calling on behalf of XXXX XXXX XXXX XXXX. They also advised that they were attempting to collect a debt for XXXX XXXX under account # XXXX and to call XXXX or go to XXXX. I've never heard of XXXX XXXX. I have no debt to be collected, so this call is not for me.
|
| 11/13/2021 |
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
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 04/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is the second time our account with XXXX XXXX XXXX has been placed with CMRE erroneously. The first time was because of them using an incorrect billing address that caused us to not receive the bill.
This time we are receiving a debt collection notice dated XX/XX/2020 for an account that is on an active automatic payment plan in the XXXX XXXX XXXX system. In fact a {$40.00} payment for this payment plan was charged to our credit card on XX/XX/2020, and a good faith payment of {$5.00} to start the payment plan was charged to our credit card on XX/XX/2020.
|
| 01/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
MY SON, XXXX XXXX XXXX MEDICAL BILL TO XXXX XXXX XXXX WAS PAID IN FULL THROUGH INSURANCE COMPANY AND BALANCE PAID BY US, PARENTS, ON XX/XX/19 VIA CHECK. I SENT A COPY OF CHECK TO COLLECTIONS AGENCY TWICE AND TO XXXX BILLING AS WELL. STILL RECIEVING CALLS FROM COLLECTION AGENCY CMRE. I HAVE ATTEMPTED TO RESOLVE THIS WITH THEM AND EMAILED SEVERAL COPIES OF CHECK THAT WAS GIVEN TO XXXX BEFORE TURNED OVER TO CMRE. THEY DENY RECIEVING EMAILS AND REFUSE TO TALK TO ME AS MY SON IS XXXX YEARS OLD. HE IS ON OUR INSURANCE AND WE PAID BILL. NEED HELP RESOLVING THIS ISSUE!
|
| 12/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke to a single representative who refused to help me make payment plans for my debt. I had to pay all or nothing. All while applying a daily accrual of interest. There were additional {$650.00} of a bill, I have no record owing and the hospital had no record of. I've attempted contact by phone on their automated service and customer service lines. No one picked up for an hour. I emailed them, received no response of receipt. Emailed a week later with a reply that states their email is full and the email was routed to a different person in the same company.
|
| 05/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have paid what my insurance sent in explanation of benefits. the facility itself states I had no further debt. Yet this company has twice tried to get money out of me for XXXX XXXX I had. Now they have made their way to my credit report and are hurting my credit. I am working with my insurance company to dispute these false charges. Ridiculous that I have to waste my time proving I have paid all the medical bills I was given to some company when the hospital itself does not reflect any balance owed and claims to not have any association with this company.
|
| 01/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I had an XXXX visit last year as to which we were sent a bill for that was supposed to go to my insurance. After calling, it was sent to insurance and paid off. But then I got a letter from CMRE Financial Services claiming they were collecting my debt. After calling the hospital again, they said they removed the collection after the error was cleared. But the collection is still on my credit and ruining my credit and I 'm only XXXX. Any disputes I 've sent through XXXX have been denied. I owe no money, nor did I ever, but they are continuing to ask for it.
|
| 10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Sent a certified letter to CMRE Financial Services to get validation of debt. Upon receiving a response from the collection agency, they then provided me with the details of my medical bill which they are in direct violation of HIPAA regulations. I have not now or ever signed a HIPAA form to authorize CMRE Financial Services to have access to the information. I then asked for them to remove my account, cease collection & cease reporting for violating my rights.
CMRE Financial Services refused to remove account and continues to report this information,
|
| 09/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had a XXXX in XXXX XXXX, Ca when I was insured by OHP and the city of XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX are refusing to bill OHP for reasons I do not understand, they both have turned this issue over to CMRE Financial Services Inc. @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX I have been in contact with XXXX XXXX with XXXX @ XXXX She had called XXXX parties in question and they actually gave her bad fax numbers and e-mail addresses to send whatever they needed to bill but to no avail then they sent the collection notices.
|
| 07/29/2019 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Towards the end of 2018 I paid a collection from CMRE FINANCE in the amount of {$120.00}. I though that the visit to the hopital was covered under my insurance which is why it was not paid in the first place. It was my understanding that if I paid the debt it would be removed from my report as a collection. It is still on there and CMRE has been incredibly unhelpful. I have called to ask if they could please remove, I would even pay a fee. However they refuse. This one collection is GREATLY affecting my life by preventing me from purchasing a home.
|
| 04/04/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to CMRE Financial Services, there are XXXX accounts XXXX that was opened on XX/XX/2016 and the other XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
|
| 08/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I agreed to fully pay this old debt and was led to believe if I made the payment, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus.
Debt Amount : {$150.00} Fully paid XX/XX/XXXX2016
|
| 04/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a medical emergency a couple of years ago at XXXX XXXX in XXXX XXXX, Texas. During my visit I had to provide my medical benefits-insurance information to be seen. All information was provided at time of check in. I never received notice to provide additional information during my visit or thereafter. Many months later I received notice of a collection account on my credit profile. I did not receive information to validate said debt nor did I receive and EOB from my insurance company showing the bill was presented to my medical insurance.
|
| 01/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have a collections on my account for a XXXX medical bill i do not owe. I have insurance and at the time they are accusing me i did to. I had gotten a letter in The mail a couple years ago from a hospital appologizing that my information and medical files are at risk because some computers were stolen from said hospital. I am very very upset that they keep bothering me. I continuously get mail from them telling me to pay this bill. I have even recieved a phone call a couple of times on my home phone. I will refuse to pay a bill i do not owe.
|
| 02/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
They are trying to collect a medical bill or a co payment for a medical bill. I am doubled covered with two health insurances. I have a XXXX XXXX XXXXXXXXXXXX XXXX and I also have XXXX through the state of California. In the past two years, I have had XXXX XXXX, major XXXX XXXX and with being double covered ( XXXX XXXX being the first and XXXX being the second. I am XXXX XXXX and they keep bothering me with this and making reports to the credit bureau. They are not billing the insurances properly and I have told them that many times.
|
| 10/01/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP.
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( CMRE ) I will NOT pay one cent on debt already settled once!
|
| 05/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The company calls daily, sometimes under spoofed numbers, sometimes up to twice a day. During work, during dinner. The most recent was around noon from XXXX. Once I answered when they called under a spoofed number in my area code and the operator was rude and misleading, saying that I needed to contact the original creditor to work something out. I couldn't even verify that this is indeed my debt, I think it belongs to my brother. Before I hung up on the operator, I explicitly said " Please do not call me again. '' I still get daily calls.
|
| 06/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Per the original creditor, as of XX/XX/2019 they were informed ( CMRE ) that this bill was null and void. To remove it from my report.
They refuse. I've filed 8+disputes.
Also, 2 confirmed conference calls WITH both agencies and everyone understanding on the phone with above said issue.
As of XX/XX/19 they ( CMRE ) hung up on my 3x while trying to fix this.
They also hung up on XXXX XXXX.
Rude. Unprofessional. CMRE for some reason doesn't want to follow rules and directions. It's as if they don't want to let it go ... please help me!
|
| 01/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CMR a financial services was aware that I was a state XXXX member and even though they knew this information they still kept on calling me trying to get me to pay for service which was I was covered under XXXX XXXX member services and they were still calling me. A XXXX XXXX XXXX member actually file the complaint on them as well regarding this issue because it is illegal to try to contact me regarding the issue as they need to contact XXXX & not myself. I just been over a year and I have still been fighting or this issue to be resolved
|
| 02/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have requested debt. validation for multiple accounts on XX/XX/21 and XX/XX/21 from CMRE Financial Services , Inc ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for accounts listed on my credit file. This company has failed to validate my dept. Instead of XXXX XXXX XXXX validating my dept., they sent my confidential medical records/procedures in response without a prior written release which I know to be a direct violation of my rights under HIPPA. I have never signed a HIPPA form authorizing them to have access to this information.
|
| 03/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a bill from CMRE for an ER visit which was paid directly to the doctors office by my insurance company. I informed CMRE that this bill was not valid and requested that they send it back to the original biller to submit an accurate bill. I informed them via certified letter within the 30 day window that the biller they are collecting for XXXX XXXX XXXX XXXX XXXX has never sent me a bill for the date of service in question and that I have an EOB from the insurance showing that they were paid directly by the insurance company
|
| 02/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i received a phone from XXXX XXXX XXXX and they left a voicemail stating they were calling on behalf of XXXX XXXX XXXX. I called backed confused. I spoke with a female representative who was going into detail about the debt owed. I told her she doesn't need to go into anything further this has been taken care of. She proceeded to say she needs proof. I told her I didn't have it and asked if she could call the doctor 's office and she said no. she needs it from me or its going to stay in collections. She proceeded to hang up on me.
|
| 09/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid a bill for an XXXX and now the collection agency is telling me that a 'MISSED ' payment was applied to " another account '' so I still owe them money. This is incorrect. They have either stolen a payment or misappropriated a payment. I set up over the phone a series of payments that paid off the entire balance in full. They cashed the first, third, fourth, etc.. payment and are saying that I did n't pay one of the payments. My bank statement documents the deduction to their account but they do n't want to acknowledge this.
|
| 03/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
|
| 10/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I told them that the company did not send bill to the right medical insurance company. They stated that it was my problem, that they would not contact the original company to take care of this mistake. They would not take my medical insurance companies information to try to resolve this problem.They were rude and didn't want to cooperate with me on taking care of this mistake. They did not want to hear anything that I had to say. This is not how a company should be ran. This is far the worst company that I have ever worked with.
|
| 12/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an unpaid medical bill of {$1400.00} through XXXX XXXX XXXX. It went to collections with CMRE Financial Services in XX/XX/XX/XX/XXXX I made payments to CMRE Financial until the balance was paid. CMRE Financial had agreed to delete the account with all three credit bureaus upon payment. The balance is {$0.00} and it is still listed under collections on my credit. I called CMRE Financial requesting it be removed off my credit. CMRE Financial stated they will not delete it, they can only update as paid in full. Please advise.
|
| 01/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a XXXX from my XXXX XXXX on XX/XX/2016. The balance was paid in full, as I have confirmed with XXXX XXXX XXXX. I received a mailed notice from CMRE Financial Services attempting to collect a debt of {$200.00}. They would not provide me with any additional information about the debt accept that it was from a XXXX done on XX/XX/XXXX. I only received one XXXX at that time. I confirmed with XXXX XXXX XXXX that there is no remainder owed, additionally they confirmed that CMRE is not a company they use for debt collection.
|
| 02/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score.
|
| 08/18/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX XXXX XXXX I sent a letter to CMRE Financial Services for a XXXX XXXX account that they placed on my credit and have yet to receive a response or account deletion. The account was paid in full, Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID- OFF and settled medical debts from credit reports that have been fully paid or settled.
|
| 01/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX XXXX and I am submitting this complaint without the assistance of a 3rd party.
CMRE Financial Services contacted me via U.S. Mail after claiming they would not contact me further. The initial contact violated the FDCPA because I did not give permission prior to CMRE Financial Services mailing letters addressed to me. The letter was false and misleading. The letter included interest charges. The letter claimed a balance was owed although the balance was listed as positive. I do not owe the alleged debt.
|
| 03/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
|
| 02/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CMRE was sold my Collection from XXXX University XXXX XXXX I understand limited info about my medical information is given, but anything additional should be authorized by me the consumer, which isn't thus why I requested for this collection to be removed per XXXX violation. CMRE has my full medical in their collection that I didn't authorize. I sent a letter to the credit beauru that is attached and XXXX directly to CMRE. XXXX responded that CMRE said " All info is correct '' Which doesn't match my reasoning for dispute.
|
| 08/14/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
A collection balance from the company XXXX XXXX was opened on XX/XX/2017 for the amount of XXXX. At this time I had insurance with the Company XXXX XXXX XXXX XXXX XXXX ( which is now involved in a class action suit ). This imaging was 'In-network ' and covered under my insurance policy. However, XXXX did not bill under said policy although they were provided all of my information ( insurance card, policy etc. ). I am seeking to have this removed due to XXXX 's negligence to accurately bill through the insurance company,
|
| 10/05/2022 |
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
|
|
Web |
|
|
Hello, I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I recieved a collections call from an unknown company this morning while in the hospital. After being on hold for 10 minutes through an automated system where the recording told me to wait for a representative, I was hung up on and directed to the website. Their website ( http : //www.cmrefsi.com/ ) is not trusted and upon research, they seem to be a collection scam. I have no business nor have I authorized or agreed to any payments to this or any company or missed any payments to any outstanding accounts.
|
| 07/24/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
|
| 04/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This was an ER visit on XX/XX/2016. My still current and active insurance information was submitted for payment. I never received a notice from the ER or XXXX stating that the bill would not be paid. Now 2 years later it shows up on my credit report. I would like to know why this is on my report if XXXX did not deny this claim nor was I notified by the hospital that XXXX did not pay this bill? I would like to see some sort of verification that XXXX denied the claim that was submitted for this ER visit.
|
| 12/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Constant robo calls during the day, starting at XXXX on the dot. Never a live human being. They call you to put you on hold for long periods of time during work hours. Last time I waited 45 minutes. They leave messages on my voicemail about debts when they have no idea what number it is or who it is ( since I have never been able to talk to someone ). I have never successfully connected with this company and getting tired of dealing with it, and have never been contacted by anything other then a robot.
|
| 02/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was contacted by a debt collection company called CMRE Financial Services regarding an outstanding payment to XXXX of XXXX XXXX of dentistry for the amount of {$200.00}. I have never visited the dentist school and do not owe them any money. I called CMRE Financial Services at ( XXXX ) XXXX and they told me to file an identify theft report and send them a copy along with my driving license and SS number. I have also attempted to contact the dental school in question but have not received any response.
|
| 08/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE Financial Services ( XXXX ) reported to XXXX a debt of {$350.00} which is not mine. I called and gave my date of birth, which they said does n't match the original medical bill but they demand my XXXX, drivers license, and other documents to correct.
I feel this is not XXXX or XXXX XXXX, and it is THEIR duty to remove such libelous report knowing it is not my debt. I offered to at most provide a redacted copy of my driver 's license. I plan to sue them if they do n't remove the erroneous report.
|
| 01/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I received a bill from CMRE Financial Services , Inc. about three weeks ago.
I received a missed call from them yesterday. I would like to know why. What was the purpose of the missed call? I believe that element of bad intention and fraud does in fact exist regarding this matter.
Secondly, I have requested numerous times from them to please provide me with proof that I owe this debt to them. However, they didn't provide me with the proof.
I believe that I have not been treated fairly. Thanks.
|
| 05/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, this is regarding a medical bill debt. I was just informed of XXXX debts I owe to Crme financial services. These debts were taken care of to my knowledge in XXXX . I never received anything to say otherwise and when I did I paid the bills. Moreso crme informed me I still have debts from XXXX . The statue of limitations is 4 years ... on my credit report it says opened XXXX XXXX and placed in collection XXXX XXXX however I was not notified ever of any outstanding bills with crme.
|
| 12/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Doctor has not submitted the claim to the insurance company. The doctor 's billing department admitted that they never contacted me in writing, nor by phone, nor by email that their was a doctor 's bill pending. The doctor 's billing department has informed me that they erred in submitting the payment to collection and has requested the collection agency to removed from it from the Credit Bureau over 30 days ago. The Collection has failed to comply and removed this item from my credit report.
|
| 12/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning!
|
| 08/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
The debt collection agency, CMRE Financial Control is attempting to collect on a medical debt in the amount of {$330.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State and has made several attempts to contact me after i have asked them to please stop. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.
|
| 02/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have been contacted by CMRE three times about a debt I know nothing about. I have asked them not to contact me in this regard and my request has not been honored. I have never been a patient at XXXX XXXX. I went on XXXX and that hospital is about 3 hours away from me going one way. I have never been contacted my XXXX about the unknown debt but all of a sudden I am constantly being harassed by CMRE. I will be filing a complaint with the FTC and the AG office. I want them to cease and desist.
|
| 04/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent 3 certified letters to XXXX XXXX and XXXX asking them to verify accounts per section 609 of the frca. They have never provided verification what do ever of accounts. There reply everytime is account verified per frca. Per section 609 these accounts must be deleated if they can not verify with original document i signed these accounts are account # XXXX. Next account # is XXXX ' next account XXXX.i also have a non medical account that they havnt verified its account number is XXXX
|
| 01/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud.
|
| 12/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter on XX/XX/20 asking that they would validate the amounts of XXXX listed on each bill they claim I owe. This company has failed to validate my debt. Instead they sent a list of medical records which I know is a direct violation of HIPAA Regulations. I never signed a HIPAA Release Form authorizing them to have access to this information. My privacy has been violated completely. Please delete this from my credit file and cease all collection activities immediately.
|
| 09/13/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm being charged {$15.00} for a debt that was coded wrong. I had called the company and told them they coded it wrong, per the insurance company. This was preventive care. now I'm getting a statement from CMRE Financial Services. I called them and told them this was not my debt. It was coded wrong. They were very unprofessional, disgusting tone of voice, and very disrespectful. I'm totally disputing this claim and I told them so. They hung up on me. Please handle this promptly! XXXX XXXX
|
| 05/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
O n XXXX XXXX XXXX this co mpany received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA S ec 809,
|
| 06/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
When i applied for med insure it was asured that it was hoing to get write-off The my XXXX account. Number and info so here it is it is critical i get this solve cus its affecting my credit score and were in proceds off pushasing my first home before my lease its up here.
XXXX XXXX XXXX XXXX. Effective XXXX XXXX 2016 XXXX health plan XXXX XXXX social worker contact phone its XXXX worker id num its XXXX id number XXXX id XXXX Case XXXX XXXX so please fix this my number its XXXX thanks.
|
| 06/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMRE Financial Services is charging me {$510.00} for a debt that was paid by my Attorney, my attorney made that payment on XX/XX/2019 to XXXX who was the original creditor. The check was cleared on XX/XX/2019, CMRE refuses to remove the derogatory mark on my credit report. I have attempted to contact CMRE, specifically a person named XXXX and XXXX XXXX who are in charge of that account. I have attempted phone calls, emails with proof of payment. They refuse to return my phone call.
|
| 11/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
CMRE Financial continually leaves me voicemails from numerous phone numbers. The voicemail says " This is CMRE Financial contacting XXXX XXXX, if you are not XXXX XXXX .... ''. When I call them back to tell them " this number is not XXXX XXXX 's phone number, never has been and our divorce was final 2 years ago '', they respond with " we're not calling for XXXX XXXX, we're calling for you, XXXX XXXX ''.
CMRE Phone Numbers I have had to block in my phone : XXXX XXXX XXXX XXXX XXXX
|
| 04/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am an attorney for a workers compensation recipient. He has three outstanding medical bills which should be covered by the workers compensation carrier. My client and I have tried repeatedly to get information on the debt in writing. The company refuses to send this information. My client allegedly owes three medical bills : {$1900.00}, {$1800.00}, and {$2400.00}.
I contacted them on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. My client contacted them multiple times as well.
|
| 04/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This happened during the year of XX/XX/2016 where I had XXXX emergency visit to XXXX for XXXX. During the time, my insurance had my out pocket cost capped at XXXX dollars of medical payment. I have paid my XXXX dollars of out pocket and yet there are emergency room bills that should n't be charged to me at all still kept reminding me that I have to pay the bill. I have contacted the emergency service and my insurance multiple times and yet the bill still went into collection.
|
| 09/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
the account CMRE for XXXX is unknown to me, also the the account medical revenue systems is clear violation of XXXX HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and CMRE Financial. The Account Opened is CMRE Financial Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$110.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 08/04/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused.
|
| 06/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have several accounts with CMRE financial, i was XXXX every single month for a year and couldnt hold a job bc of the XXXX. While in the XXXX, i applied for financial assistance with every hospital ( all a XXXX XXXX XXXX ) and was granted assistance. So im terms my bill was paid for.
While looking at my credit report, there are several accounts with the same dates that are reporting different amounts. I have tried to call this company and they will not return my calls.
|
| 06/22/2020 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a wheelchair and on fixed income unable to work
|
| 04/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021, a CMRE signed for a dispute letter to a file that is located on my XX/XX/XXXXand XX/XX/XXXX report. They have failed to respond to this letter within the 30 day time limit. I have attached the signature page and letter and demand they immediately remove this collection from my credit files and send a letter stating this has been done. If this isn't done immediately, I will also contact my state 's attorney general who will forward the complaint to the FTC.
|
| 11/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was XXXX in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was CMRE Financial and the current one is XXXX XXXX XXXX.
|
| 05/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This collection is not mine due to reason that my identification cards were stolen with my wallet many years ago from the XXXX gym in XXXX, California. I am assuming that someone has used my information for their personal needs. Plus, my name and last name is very common in my XXXX community that are easy to commit fraud with this kind of name and last name Collection Company- CMRE Financial Services Original Lender- XXXX XXXX XXXX XXXX .
Collection Amount- {$2400.00}
|
| 08/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had a prior case against a different entity, but this seems to be the same entity under a different name based on what they said when I told them I do not know the debtor. Last complaint number was : XXXX. The current entity harassing me is called CMRE, and XXXX XXXX continues to call after they assured me my number has been removed from their call list. I am not the person they are seeking and they have become rude, threatening, and have hung up on me numerous times.
|
| 03/17/2022 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Im adding to my existing complaint I dont agree with the response given. My intialso complaint was I wanted the accounts removed due to me having medical insurance when the accounts was sent to collections. I uploaded a description of my initial complaint. Their response was they called the hospital and validated what I owed. That was NOT my complaint. Again I want the accounts removed duebto me having medical insurance. And proof there of that I didn't have insurance.
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Resubmitting complaint XXXX as they didnt answer the question which is the issue. Please review complaint case XXXX.
Advised was affected by COVID 19 for being late and didnt receive letters stated till my call and explained and didnt want account to get credit reported and was advised if I pay in full will not be reported and would be removed. I paid as promised from last call. Credit report is reporting XX/XX/XXXXbalance but has not been removed/deleted as advised?
|
| 09/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by a company known as CMRE months ago, who did not even discloses themselves to me as a collections agency ( I had to ask several times if they were a collecting on me before they responded ) and i paid them over the phone. I had never received any mail or phone calls that I had outstanding debts or was at risk of being collected upon. Several days ago they called me asking me to pay the IDENTICAL amount for the IDENTICAL bills which were already paid.
|
| 12/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by CMRE Financial Services regarding a debt that i do not recognize. I sent them a written letter disputing the debt and asked for proof. I have just received a letter XX/XX/18 showing me the amount owed and the collectors name, still do not recognize it. I had some reasons to believe my identity had been stolen a while back and reported a 90 day monitoring by all 3 credit bureaus. What should be my next step if i KNOW this debt does not belong to me?
|
| 03/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XXXX i sent a dispute letter to validate the alleged debt CMRE finance has on my credit report. They didnt respond to my dispute letter, so thats tell me they cant verify it. By law if you cant send me proof of a signed contract, it must be deleted.
As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
|
| 05/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial.
|
| 08/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. CMRE did not report the deletion of the account to XXXX, the other consumer reporting agency that it reported the account to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in the event legal action is warranted.
|
| 08/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 at XXXX PST I rcvd a robocall from ph XXXX introducing themselves as CMRI Fin Services and calling me XXXX XXXX and claiming they r collecting Agency acting on behalf of XXXX XXXX XXXX for account XXXX and referring to ph XXXX for me to call back.
i am not that person they try to connect with and i never interacted with XXXX XXXX XXXX as a patient. Please, stop this harassments and unsolicited phone calls. i am sure these are scammers. Thanks.
|
| 11/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was sent a bill for something I feel I don't owe, CMRE financial services is sending me a bill to an address I have not lived at in over 15 years. When I lived in in California I always had XXXX to cover any medical expenses. I fell they are fraudulently trying to collect on something that is not mine. I demand that cmre financial services send me proof of this Bill in writing as required my the fair Credit reporting act by 5 days of receiving my request.
|
| 03/28/2019 |
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
|
|
Web |
|
|
The Insurance did not pay the correct amount for the ER services even after the new law went into effect for using an IN NETWORK hospital, the attending Physician wasn't IN NETWORK. They were supposed to pay this bill, I had several contacts with the Insurance company and they said they would pay the bill. In the meantime CMRE collections reported this on my Credit Report. It has been ongoing for over two years and CMRE should have removed this report.
|
| 12/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/2018, I paid in full a debt from XXXX XXXX XXXX XXXX XXXX over the phone with CMRE Financial Services, at XXXX. The amount was {$120.00}. I was told that it would be removed from my credit report but it is still showing up under collections. When I followed up with a call recently, they were very unkind and responded as if they could not follow through with removing this from my report. Please help!
Their website is http : //www.cmrefsi.com/
|
| 03/12/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have recieved several notices for this debt and paid them by letter each time. I would recieve another a month later saying it wasnt paid. I recieved a " Final Notice '' in febuary and paid it over the phone on XXXX XXXX with the them. Now it has been reported to you despite me paying it 4 separate times because they dont have a website I used the letter envelope they provided. The last time I spoke with them directly on the phone and settled this.
|
| 09/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to XXXX XXXX Hospital emergency room in XXXX California for an injury in XXXX of 2017. I was covered by Medi-Cal at the time. The hospital billed me anyways. I sent the hospital proof of insurance within 90 days and reported the billing to Medi-Cal. The XXXX office also sent proof of coverage. The hospital sold the debt and the collection agency refuses to remove the negative credit reports and bill from my record. The billing company is CMRE.
|
| 03/30/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I submitted XXXX verifications of debit request to debt collector without a response. They are still reporting to Credit Agencies and I have submitted claims to those agencies. XXXX is investigating the claim at this time. The other XXXX agencies has removed the claim. I would like the agency to remove the debt and to cease and desist all collection activity on this debt as it has not been validated. Remove all remarks from credit reporting agencies.
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also + states a consumer reporting agency can not furnish a account without my written instructions.
45.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for an purpose.
XXXX
|
| 11/30/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
A bill for payment was sent to my employer 's former address. I had never worked at that address with the current employer and was unaware of bill.
The bill was sent to collections and reportedly negatively on my credit report. Issue unresolved re : credit report after I provided correct address and insurance information.
I want the delinquent status removed from credit report.
I can not get anyone on the telephone at CMRE to resolve this.
|
| 01/18/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
The agent was unnecessarily aggressive and argumentative, and obtained personal information ( dates of birth, insurance company information, etc. ) that, in retrospect, I do not believe he was entitled to. He tried to obfuscate the fact that he was with a collection agency and not part of the company that provided the service whose bill was being collected. His tactics were targeted towards getting me riled up, by being argumentative and rude.
|
| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party ( CMRE ). I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you.
|
| 04/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021, I wrote a letter to CMRE, requesting them to provide proof that they are, in fact, contracted with XXXX XXXX in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and XXXX XXXX.
Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, CMRE continue to report this account to my credit report.
|
| 01/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However your agency has failed to investigate & obtain due to your lack of response, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
|
| 03/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit.
|
| 08/16/2016 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CMRE is using a tacit to collect on a debt and states in my consumer report that I dispute the account, I do not dispute the account and have sent many letters stating. This is a tacit that requires the consumer to call and ask from them to remove and when I did, they said I would need to settle before they can remove it. I applied for a XXXX refi and was told due to the dispute the credit union could not move forward until it was removed.
|
| 07/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
|
| 02/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a bill from a debt collector -- CMRE -- on behalf of XXXX XXXX XXXX. I had earlier received a bill from XXXX XXXX XXXX which i paid in full. When i called CMRE regarding this bill asking what it was for ( when i had already paid the bill i had received ) they were unwilling to give me any more explanation other than i owed some balance. I requested an itemized bill so i could know what and why this difference, but they refused.
|
| 05/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i pulled my credit on XXXX XXXX and to my surprise the collection item from CMRE Financial services has listed a collection for XXXX XXXXXXXX XXXX. for {$330.00}. I have no ideal what this is for and when i call they say they can not find any record of this under my name, social security # or date of birth. But said i had to figure it out because they can not remove or correct even tho they have it posted on my credit report ( s ) ... ..
|
| 03/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
CMRE contacted my sister about my debt XX/XX/XXXX @ XXXX expressing to her that they were going to report the debt to my credit report and they would next garnish my wages she explained that I was not home but the rep insisted that she was in fact me I then called them and they said they were sorry the last rep did that but would I like to set up payments I explained to them this isnt correct and they needed to verify this incorrect bill
|
| 05/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report
|
| 12/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have disputed the balance reported on my credit report withe XXXX twice. I have contacted the Collection Agency and the Client to resolve the issue. The client provided me with a statement that validates my balance is XXXX. I also provided a detailed statement from my insurance provider that shows payment was processed. I actually owe {$83.00}, which I am more than willing to pay. However, the balance reported needs to be corrected.
|
| 03/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I authorize and give permission for the following company to move forward this complaint. I, XXXX XXXX, is submitting this complaint without the influence of this of third party agency. Please see my full complaint on how the following company, CMRE Financial Services Inc, has invaded my right to privacy and violated HIPPA by purchasing my medical information and created duplicate accounts See attached documents for the full complaint
|
| 08/09/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CMRE Financial Services , INC. at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX has been sending me multiple collection notices in the amounts of {$620.00}, {$590.00}, {$480.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company dose not have a contract with my signature have not been able to present anything of the sort upon my request.
|
| 01/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I'm currently trying to get my credit score up and when i looked i saw that I have about {$10000.00} in debt from medical services at a few different hospitals and XXXX when I had insurance that was supposed to cover it. I had no idea about these until I just checked my XXXX XXXX report. What do I or can I do to get these removed? They have destroyed my credit rating and now I cant do anything like get a home or car or anything.
|
| 07/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XX/XX/XXXX this year I made payment arrangements with CMRE Financial Services to pay off medical debt. They told me as long as I made payments they would not report the collection to the credit bureaus. The payment amount we agreed on was {$150.00}. In XX/XX/XXXX I made a payment of {$500.00} to payoff the debt faster. CMRE still reported the debt to the credit bureaus at the end of XX/XX/2018.
This is a breach of agreement.
|
| 03/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
According to Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector from engaging in collection in Texas unless the have obtained a surety bond and it is filed with the State.
The Texas Secretary of State has no bond on file for CMRE.
They are attempting to collect {$450.00} from me and damaging my credit rating as a result. It does not appear they are meeting the State of Texas Licensing requirements.
|
| 12/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was involved in a car accident and then taken to the nearest hospital by the ambulance. I give them my medical insurance card and also my auto insurance. They should contact and billed my health insurance/ auto insurance instead of myself. I just found out that the debt went to collection agency. I was so XXXX that I eventually paid them first and thinking that my insurance will reimburse my payment. Eventually they never did.
|
| 01/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Was given an amount for 2 accounts that were open and set up payment plan. Person stated the accounts were combined. Sent money and payed off in XXXX. Still receiving calls and mail when credit report shows everything has been payed. Can't get correct amount of money owed because it's been going on so long and the customer service for CRME doesn't know anything about it, they just go off what's currently on the computer screen.
|
| 04/12/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have contacted CMRE to get a statment of my account at least 6 times. I have continued to make more than the agreed payment monthly but they have still not sent me a statement of my account showing payments or that they have been paid in full. I have no way of knowing what my current balance is if they do n't give me a statement with the interst calculation or the payments recieved. I have not recieved a statement since XXXX.
|
| 03/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I am a victim of identity theft and noticed a collection from CMRE. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 02/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of identity theft and noticed a collection from CMRE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
|
| 10/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX hosp/ XXXX XXXX XXXX XXXXeleased personal information to a third party that breached HIPPA laws in an attempt to collect a medical bill. The third party is CMRE financial services. The date reported is XX/XX/2018 in the amounts of {$280.00} and {$290.00}. I requested validation of the debt CMRE reported I owed and the company sent me an itemization of private medical records that I never authorized for release.
|
| 07/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CMRE FINANCIAL SERVICES is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. CMRE FINANCIAL SERVICES has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/21, I submitted a dispute to CMRE FINANCIAL SERVICES. As of todays date, I have received no response from CMRE, therefore you must delete this from my credit report and remove this debt per the FDCPA and FCRA. This balance needs to be closed as I have disputed the bill and have not been given the required information to confirm this debt. If you do not, I will pursue further action to the fullest extent possible.
|
| 10/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received ( and continue to receive ) automated calls, roughly twice per month from CMRE Financial Services. CMRE is attempting to collect debt from someone who is not me, a friend, relative, or anyone I have ever heard of. I have called CMRE 3 separate times to inform them that they have the wrong number and to please stop calling me. They have not done this and continue to call me ( most recently today XX/XX/19 ).
|
| 06/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX I mailed CMRE a demand for validation for an account they had reported on my credit report. The company has failed to provide me validation of the account and perplexingly replied and asked that I was responsible for providing you with more information and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
|
| 08/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
CMRE financial Services keeps posting a debt on all my credit reports. I will get them removed because they can not be validated and they put them on again.
I have no idea what this debt is. And now when I try to get dispute the debt again, it will bot let me, even though it was already removed. This is not be debt and if it was already removed, it should not be constantly put back on my credit report.
XXXX : : CMRE
|
| 03/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed a complaint XXXX this is not a duplicate. No lawsuits have been filed yet. This company recorded my calls and I did not give them permission. I have previously requested that CMRE call my attorney not simply mark my account for all future to communication to be sent to my attorney. CMRE general counsel needs to respond to my attorney it has been over 30 days since the original attemp was sent via certified mail.
|
| 11/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action
|
| 07/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection letter from CMRE Financial Services, INC. XXXX XXXX XXXX XXXX XXXX XXXX . XXXX , CA. XXXX dated XXXX / XXXX / 2017 in the amount of {$180.00}. They state the original debt was owed to XXXX XXXX , XXXX . This debt is not my responsibility and I am concerned based on the poor reputation of this company that they will report fraudulent information to the credit bureaus.
|
| 11/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 03/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good morning my name is XXXX XXXX, I'm writing to report three different collections agencies. I ask them to please validate the debt on XX/XX/2018 and I haven't received anything from them.
And they probably have reported to the credit report agencies.
1- CMRE Financial Services , XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX 3- XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
|
| 11/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
CMRE FINANCE ... ... ... ... When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections.
CMRE FINANCE I do not know what this is. I keep very close eye on my credit. This dropped my credit by 28 points and still don't know what its for.
|
| 08/29/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX Account Number XXXX I logged in to check on my credit report to find an account in collection for the amount of {$110.00}.
This should not be reflected on my credit report and is inaccurate information.
Any previous medical bills were paid off by my health insurance at the time and I was specifically informed by the " Original Creditor '' that I have nothing owed beyond what insurance has paid.
|
| 10/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMRE are reporting a collection account on my credit. I paid the bill to XXXX XXXX. XXXX XXXX sent a letter to CMRE telling them that my bill is paid in full to them and my balance is XXXX. They asked them to remove the collection from my credit. CMRE stated to me that they are not going to remove the collection from my credit because they felt the original creditor XXXX XXXX should have charged me more money.
|
| 06/23/2015 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
The hospital I wen to never billed my insurance for this debt and did not notify me of any payment needed. I have changed jobs since then and no longer have the same insurance company. I contacted the debt collector and explained the situation to them, They have never contacted be about this debt nor have they responded to my inquiry. The only reason i know about this debt is because i pulled my report online.
|
| 02/09/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a medical procedure done that I XXXX paid for in cash, at a discount. A couple months later I get a bill from XXXX XXXX for what would have been the balance due if I went thru the insurance instead of paying cash. I went to their local office & they confirmed that I am payed in full. Subsequently I have receieved notices from CMRE trying to collect. I am Paid in full. I want this resolved asap please.
|
| 11/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX ), reporting must be 100 % accurate or the information must be deleted.
|
| 08/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I received a collections letter from XXXX dates XX/XX/2020 in regards a bill from XXXX XXXX XXXX XXXX in the amount of {$52.00}. I never received a bill from the creditor. I received another bill from the creditor and paid it. I checked my insurance records and I do not show this amount due. Im furious to receive a collections letter and never receiving a bill if I even owe this amount.
|
| 08/19/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Over the last two plus years I 've received phone calls from CMRE, a debt collection company claiming I owe a hospital bill, but they will not provide me with proof. They 've called from numerous phone numbers in an attempt to disguise their identity when they call. I had not heard from them in close to a year, but they have begun to call again. The last phone call received was XXXX/XXXX/16 from XXXX.
|
| 09/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Nothing best described how to communicate dispute in arraigned statements on preceding page trying to pay debt debt service CMRE will not return via electronic mail contacted many times no return contact want to pay off debt but debt collectors is not allowing me to many electronic mail messages and no response I do not use phone and am unwilling to do so but company will not accommodate my requests
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company, CRME, keeps calling my phone ( electronic message ) for an individual that is not me. I made contact with them to have them remove my number and that the individual who they are trying to reach is not at this number. They are trying to contact 'XXXX XXXX ', not sure how it's spelled. I have had this number for over a decade. They continue to have their automated system call my number.
|
| 03/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CMRE collections is wrongfully reporting a collection on my credit for the amount I DON'T OWE. I requested validation of debt and who the original creditor was they have NOT provided any information on that and now threaten to take legal action for this debt which they say was originated in 2014? .... how is this legal CMRE FINANCIAL # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| 05/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint due to the fact that I haven't heard back from XXXXMRE nor have I seen these alleged debts removed from my credit reports. In the attached files you can find an Affidavit of truth with exhibits, a Cease and Desist letter and a green return receipt showing that CMRE has received all of these exact forms.
|
| 02/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This is the second communication via certified mail receipt # XXXX on XX/XX/2022. I gave no written consent or signature on any contract. XXXX requested to delete from my consumer report. I see no affidavit of truth in rebuttal to my requested validation of debt and a contract with my wet ink signature stating the facts from a witness having first hand knowledge and competent to state the facts
|
| 12/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I request validation of the debt by CMRE Financial Services that reported on my credit report on XX/XX/21. Per the Fair Credit Report Act I have the right to require this debt be validated that it is mine or be removed from my credit report. I would like all documentation, EOB 's, statements and medical records sent proving the debt is mine to pay within 30 days or remove from my credit report.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
CMRE XXXX XXXX has reported debt from a hospital and the hospital has been paid from my insurance and removed the co-pay with the financial assistance program from XXXX until XXXX. I have disputed this numerous times they also use excessive reporting and I have been denied credit and loans due to this false reporting. I have contacted them several times and they have not resolved this matter.
|
| 07/15/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CMRE did not even attempt to validate a medical bill that they have put on my credit report. I just went to see a mortgage lender and discovered their medical collection on my credit report. NO ATTEMPT at all was ever made to allow me to deal with this prior to reporting it and as such it is illegally on my credit report.
|
| 09/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This collection company works with XXXX XXXX XXXX, I have 2 issues : 1. They are trying to collect on a debt I have been making payments on for over a year now.
2. They are not providing proof of amount owed, I have requested multiple times for an audit of my account to reflect my payments and insurance payments.
3. CRME nor XXXX XXXX returns calls or acknowledges receipt of letters faxed.
|
| 07/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid them but I am still getting collection letters. I found out that this company XXXX XXXX XXXX XXXX XXXX has indeed been surprising those who go to the hospital known as XXXX XXXX XXXX in XXXX, TN with bills just like attached and an article that also states that theyve been doing this. I got two back to back bills one for {$40.00} and {$650.00} in a 2 week period. I dont understand.
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This issue is with CMRE Financial Services , Inc XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX I have paid off this collection account and i am currently applying for a home mortgage. I called CMRE this morning to have them take off this account from my XXXX and they said that they DO NOT take off information about the collection from any reporting agency. This was a medical bill.
Thank you.
|
| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In 2014, I went to the emergency room. A month later I received a bill from that visit. I was covered through XXXX XXXX for University XXXX XXXX students. I went to the insurance on campus and showed them the bills. They told me that they never deny emergency room visits and they would check why it wasn't paid. I checked back in a month or two, and they told me that it had been paid off.
|
| 04/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
My credit score was at XXXX. Before my despute. The despute was removed from my credit and my score only went up to XXXX. This is effecting me getting an apartment by having my credit drop so low.
My credit report showed I had an account in collections from XXXX. And that dropped my score. Now that acccount was removed off my account. Why wasnt my credit score repaired back to XXXX?
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX -CMRE FINANCIAL # XXXX -XXXX # XXXX
|
| 12/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Was told accounts would be consolidate and interest would be frozen so I would just pay the principle. Mentioned one account was for when I was XXXX. They did not have records and I was not sent contract. Interest accrued:XXXX. Was told I could pay XXXX and then amount was changed to over XXXX. They lost my records and are missing 3 years of transcripts. Get everything in writing!!!
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 03/26/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.
|
| 06/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I Sent a Validation letter via certified mail to CMRE Financial Services , Inc. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX and they received it XX/XX/2021. They failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.
|
| 08/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt originated XX/XX/2018 with XXXX XXXX XXXX in XXXX XXXX I submitted my XXXX information as follows XXXX XXXX for payment I also filed for bankruptcy on XX/XX/2018 & included all my debt including all outstanding medical debt which was discharged on XX/XX/2018. Im receiving derogatory collections on my credit bureau reports of this debt from CMRE FINANCIAL SERVICES
|
| 12/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CMRE Financial Services was reported to my credit in XXXX of XXXX. I have never received a letter or notice that this debt existed giving me the opportunity to dispute it before it was reported on my credit. I have not been in a hospital in years. It also appears that this {$59.00} debt is for a hospital in California.I live in Alaska and could not have incurred this debt.
|
| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American |
|
DEAR CFPB : This matter is a continuation of the debt in reference to the same collection agency. in the 2 other accounts. I am asking the collection agency not to contact me any longer, to contact my attorney. this matter where already PAID to the collection agency. So please do not call me do not harras me and do not write me any more. Thank you Respectfully yours ...
|
| 06/05/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has sent me a debt over and over and over again I count five times in the last six months I have told him repeatedly at least three times not to contact me again and this is not my debt and that I dispute it Today they sent me another letter Im not gon na do this every other month with them for the rest of my life they are violating their business license
|
| 06/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was with Covered XXXX XXXX, under XXXX XXXX.
Date of Services was on XX/XX/2017 and XX/XX/2017 and all the billing for year 2017 was covered under this plan.
CMRE Financial and XXXX XXXX XXXX continues to send collection notices and has posted this debt on my credit report.
This is bill is not due and should be removed from my credit report as soon as possible.
|
| 03/12/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
To start off with I checked my credit report and got a notice of collections saying I owe {$730.00} to CMRE financial services which contains medical bills but I was XXXX for over XXXX at the date of the collection. My medical is completely covered by XXXX XXXX and I go to a on base facility. I 'm not paying for a bill that I never incurred let alone never heard of.
|
| 03/19/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I am very unhappy with CMRE Finance. They promise me that if I paid all the collections I had with them they would deleted them. They still have not done it. I paid them several months ago so they should not still be on my report. I feel they lied to me just to get their money. If even showing on my report that they have been settled now they need to be deleted.
|
| 05/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.
|
| 07/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XX/XX/2021, i sent my first letter to CMRE FINANCE SERVICES , INC WITH NO RESPONSE AND ON XX/XX/2021 I SENT THE 2ND LETTER TO THEM FOR THE ALLEGED DEBT OF XXXX THAT I DON'T OWE. NEED ASSISTANCE OF GETTING THIS MATTER RESOLVED BECAUSE THEY HAVE VIOLATED BY NOT RESPONDED THE FIRST TIME WITHIN 30 DAYS. I HAVE MY CERTIFED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX.
|
| 05/06/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent a certified letter on XXXX/XXXX/2015 requesting validation of this debt. On XXXX/XXXX/2015, I received a letter from CMRE Financial Stating that this letter confirm that the request for deletion has been electronically submitted to all the credit bureaus. Unfortunately today is XXXX XXXX, 2015 and this negative account is still showing up on my records.
|
| 03/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a bill from this company. I do not owe this debt. I never received a bill from the company that they are stating sent me to collections. the bill is for {$43.00}. I have medical for my child and they pay all bills that are for him. I do not under stand why they are trying to make me pay for a balance from what looks like the insurance did not pay.
|
| 08/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I called CMRE XX/XX/2020 in regarding to dispute the validity of the debt that isnt mine the representative by the name of XXXX was abusive and racially used the word gal as I corrected her to be professional she stated stop being a dramatic XXXX and gave me account number # XXXX and hung up the phone in my face after I said that they are violating the FCRA
|
| 03/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Treated in 2014 and paid my deductible. Insurance paid remaining balance, in FULL. Found out that they charged my deductible by {$25.00} too much, which they agreed to refund.
Never got refund.
Now CMRE FINANCIAL, whom I have never talked to, has submitted to collections, for more money, AFTER bill was paid in Full, and in fact, which a REFUND was due!
|
| 04/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CMRE collection agency put a collection account on my credit without contacting me, nor letting me know who the original creditor is. I sent written request via certified mail asking them to validate the debt. They refuse to provide validation yet they continue to report the erroneous account on my credit. CMRE are in violation of SEC. 809B OF THE FDCPA
|
| 03/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have disputed cmre financial service for reporting 21 times to XXXX credit about a debt in regards to 2 hospital visits. They ruined my chances at getting any car loans. They are reporting excessively and the debts are not correct. I have had to dispute each one and they will not remove all of them just some. Please help me get them to remove them.
|
| 03/07/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.
|
| 07/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt was handled wrong by XXXX XXXX XXXX XXXX. They messed up billing my insurance company and I was the add on in my fathers work insurance policy. Regardless how they handled it, the California Statute on time frame of medical debt is 4 years with credit reporting. I have had this debt longer than that and would like it removed from my report.
|
| 01/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CMRE is attempting to collect a debt from me that I do not owe. It took place from a boxing event I was part of, the injury was covered by insurance from the promoter-I have proof of the insurance waiver. I have disputed the debt and contacted the collection agency multiple times to remove it from my report-XXXX and XXXX did XXXX XXXX XXXX has not.
|
| 02/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After receiving response from CMRE they have sent another letter yet again! Staying they have reported it to credit bureau on something I got told got paid off. After fighting this for over a year. They are aware they LEGALLY CAN NOT TRY TO BILL me. This needs to be solved!!! If this is something that gets reported I will get a lawyer if necessary.
|
| 12/08/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical.
|
| 02/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have an acct on my credit from CMRE FINANCIAL SERVICES in the amount of {$330.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. If they are unable to provide documentation. I want this removed from my credit immediately.
|
| 09/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMRE Financial Services, XXXX has attempted to collect a nonexistent debt from XXXX XXXX XXXX XXXX that resulted from XXXX XXXX XXXX XXXX 's failure to correct a billing error with XXXX XXXX. Furthermore, the Notice from CMRE states that CMRE will assume the debt valid unless I contact CMRE in writing within 30 days, in violation of the FDCPA.
|
| 11/17/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I am very upset with this issue. I sent a letter to the COLLECTIONS AGENCY regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
|
| 08/16/2019 |
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
|
|
Web |
|
|
I have asked both XXXX and CRME the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.
|
| 07/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
These medical bills were never submitted to my insurance. I opened a ticket with my insurance company, XXXX XXXX XXXX XXXX, and shared it with the collections company. I have told them numerous times that XXXX has no record of the charges and they need to be resubmitted. The collection company refuses to engage or do anything about it.
|
| 07/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
Im XXXX year old plus senior citizen and retired and I get my medical financial assistance from XXXX and I am not aware or this is a very old information which has been all covered. Kindly remove this from my XXXX report. Appreciate it and Im very old to handle with these companies and stuff which has been taken care of a while ago.
|
| 10/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
While checking my credit report I noticed an account that was not mine that was in collections/chargeoff.
The information is Original Lender XXXX XXXX XXXX XXXX.
Bureau Name CMRE FINANCIAL SERVICES Date-XX/XX/2019 Amounts- {$3200.00} This should be under my fathers report.
We have the the same name exception of are middle name.
|
| 01/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I 've told several creditors that my identity was used fraudulently and that I was not liable for the accounts that were used and wanted them removed because I told the credit reporting agencies to ask for additional information etc because my identity was stolen / used fraudulently and credit was still extended without my knowledge
|
| 11/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CMRE financial reported debt to my credit reports, I called them, they said they couldnt send me an invoice but I can see if online but I had to sign to verify the debt as Accurate first before viewing the debt which is fraudulent! Also discovered its not my account but was told the only way to get it removed was to pay it anyway.
|
| 02/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter in the mail about debt to a healthcare provider. There is no information about why I owe this debt or when this debt supposedly took place. They are threatening me that if I do n't contact them they will obtain a judgement against me ... And that they will submit a negative credit report to XXXX XXXX and XXXX.
|
| 11/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CMRE FINANCIAL SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$550.00}. This collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 03/14/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Reviewed credit report and discovered a collection : CMRE Financial Services for {$260.00} for emergency XXXX XXXX.
I am disputing this debt unless the collection agency is able to validate the debt.
I did not receive a notice that any medical bill was outstanding and then all of a sudden a collection was noted on my account.
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
I was never notified of the debt by the original medical office. I believed the sum in question was to be paid by insurance. My first notice of the sum due arrived from a debt collection agency, with a threat to notify credit bureaus.
When I called the medical office, their automated service told me there was no balance owing.
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SIX SEPERATE ACCOUNTS POPPED UP ON ALL 3 OF MY CREDIT REPORTS FRAUDULENTLY CAUSING MY CREDIT SCORE TO DROP TREMENDOUSLY.
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
|
| 05/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was asked to pay debt in XX/XX/XXXX which was already paid on XX/XX/XXXX Amount - {$55.00} Original account number - XXXX ( Already paid ) New Account number - XXXX Paid to CMRE Financial Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone - XXXX XXXX XXXX This time they billed it under a different account number
|
| 06/23/2015 |
No |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX. XXXX phone calls daily, starting at XXXX XXXX, going til XXXX
I have XXXX numbers blocked from this agency.
XXXX. Mostly recordings, that fill up voicemailXXXX. Reps are VERY rude and threaten legal action, wage garnishments, and loss of employment if I do not pay.
XXXX. No paper correspondence has been sent to me.
|
| 02/14/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a bill from see CmRE financial services for {$75.00} saying that the XXXX department of XXXX has placed my account with them for collection and I contacted the XXXX department of XXXX to find out that my account is in good standing and that they never placed my account with any collection agencies including CMRE
|
| 07/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The following debt is in collection, even after attempts to make payments. applied for financial aid through the institution and was denied even after expressing that I do not have the finances to pay for the debt. The debt is a negative reflection of my credit profile and I would like the following debts to be disputed.
|
| 04/05/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. I have brought this to the attention of reporting agency and is it still showing on my credit report XXXX XXXXXXXX.
CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor ; XXXX XXXX XXXX
|
| 06/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CMRE Financial Services at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as pasted due balance. I Do NOT know this company. I have never done any business with this company. This company does NOT have a contract with my signature.
|
| 03/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/2018 @ XXXX I just got a voice mail from this Cmre Financial Services. They refused to verify their identity and kept trying to get private information. I should be able to give you the reference number and you tell me who has hired you to collect this money. I believe this is a scam and harassment at it's finest.
|
| 05/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMRE FINANCIAL c ontinues to report XXXX accounts on my credit report. I paid these accounts & they agreed to remove them as part of the agreement ... They are damaging my credit & I need them removed per our agreement ... I 'm attaching the report for proof they 're reporting as of XXXX XXXX , 2017 ...
|
| 12/01/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I am very upset with this issue. I sent a letter to CMRE FINANCE regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company, i got a response XX/XX/2022 from this company via cfbp and they have not deleted the account
|
| 07/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Yes I recently disputed some accounts on my credit report that were Verified as accurate and I don't believe this to be so, A debt by CMRE Financial on XX/XX/17 was placed for collection and I do not take ownership for this debt can you please do a real investigation that the credit bureaus claims they did already.
|
| 12/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022 : I received a letter from CMRE FINANCIAL SERVICES INCXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which attempted to collect {$220.00} to XXXX XXXX XXXXXXXX XXXX XXXX. In fact, I never visited that medical group and there was no bill or any evidence indicating that I had any business with either entity.
|
| 09/13/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phones on several occasions wondering why my insurance didnt pay. It was an emergency room visit and tests were done. Phoned my insurance company and they asked for the paperwork to be sent again with details about why they did the tests. Since I was in the hospital my insurance or XXXX XXXX XXXX should have paid.
|
| 07/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX, XXXX has retained CMRE Financial services , Inc to collect a debt of {$780.00} for services rendered.
This debt was paid last year ( 2022 ) and the payment validation is attached to this case.
I have tried to relay with proof debt was paid and I continue to get debt collection correspondence.
|
| 09/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company report a debt on my name to the credit bureau which I have no knowledge of..despite I explained them that wasn't me because I never been to that hospital they still refuse to remove it and they never want to send me any proof how come I owe that debt.
Creditor Information CMRE FINANCIAL SERVICES
|
| 01/25/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company received an insurance payment, so they are trying to bill me on an amount of money they have to write-off. This is a contract that the facility I was seen at has with my health insurance provider. I contacted my provider and they confirmed that a payment was made not one, but twice. This is fraud!
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CMRE dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed.
I want XXXX and XXXX to remove both invalid collections.
|
| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection opened XXXX XXXX Contacted CMRE Financial Services via phone, email, and sent letters, asking for validation of collection.
I was not sent anything.
They said they sent a medial bill. I was never seen at XXXX university XXXX as stated.
I live XXXX hours away from XXXX, I do not go to XXXX.
|
| 06/21/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CMRE financial took over a medical bill from last XX/XX/XXXX. They have not credited any of the payments I have made, nor do they enable me to see the status of my payments made on their website.
They just send me letters about owing money. I feel uncomfortable making blind payments with no end in sight.
|
| 01/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
XXXX did not bill our insurance as we requested, then turned us over to CMRE collection agency. We paid CMRE because we were in the process of applying for a mortgage loan. Since then, our insurance was billed and they have paid. We have been unable to obtain reimbursement for the {$1200.00} that we paid.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the Fair credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights.
15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
|
| 05/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I went to XXXX XXXX Hospital ER for a XXXX, XXXX, used my health insurance card. I was looking at my credit score XX/XX/XXXX and come to find out I have a collection agency trying to bill me after 5 years! CMRE Financial Services Inc. I never received a bill and now its messed up my credit.
|
| 11/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called XXXX and ask for the original Documents to verify my account and no help at all, they post 2 account on my XXXX Report.
account # 1 {$420.00} account # 2 {$490.00} I called the Original Creditor XXXX XXXX for more help and they told me i'm not on the system!
the account does not belong to me!
|
| 08/18/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
They filed a credit report with Transunion. The medical provider never sent me a bill nor did I receive anything from CRME Financial. When I called CRME to get my " account '' information they did not even have anything in their system! How can they file against my credit and not even have my account?
|
| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I contacted the company reporting the XXXX collections advising they were in correct I contacted XXXX XXXX XXXX who supposedly reported the collection and they confirmed I had a XXXX balance and no transactions for the dates they were reporting nothing has been done to my satisfaction and I need help
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXXXXXX and CMRE. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXXXXXX, XXXX ) will not block these fraudulent accounts.
|
| 06/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The only time I know of the debt was when it showed up on my credit as collections. I have never contacted the company to open any line of credit. I have never received a statement that would have alerted me that an account was opened. This is all fraudulent and needs to be removed from my credit.
|
| 06/15/2015 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
Received a surprise letter from CMRE XXXX stating that some one failed to bill my insurance XXXX months ago and cannot go back.I have no other information or verification on this company.The collection company is not ready to listen and is pressuring me to pay and threatening to ruin my credit.
|
| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CMRE FINANCIAL, XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Has sent me collections notices in the amount of XXXX the collection has been reported as past due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature on it.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There is a collection account from CMRE that was opened XX/XX/2020. They have placed a note on the account that this was " reaffirmed in bankruptcy. '' I have never filed for bankruptcy. Ever.
Some additonal info below : {$340.00} IN COLLECTIONS CMRE XXXX ACCT XXXX XX/XX/2020 LAST TIME REPORTED
|
| 11/27/2021 |
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
|
|
Web |
Older American, Servicemember |
|
I have disputed a collection account with XXXX and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from XXXX explaining why the account remains and only place a comment " Disputed by the consumer ''
|
| 11/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reached out to CMRE Financial Services on XX/XX/2021 with a debt validation letter for XXXX derogatory marks the company has on my credit report history and they have failed to respond. They have not removed the derogatory marks from my credit report despite being unable to validate the debt.
|
| 07/13/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 03/09/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMRE is still reporting an account on my credit. As part of the agreement for paying the account they agreed to remove it since it should 've been paid by insurance ... I 've disputed it with XXXX but they keep claiming it 's verified. I like this account to be removed from my credit at once!!!
|
| 04/27/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
CMRE is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
|
| 11/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2022 I received a letter from CMRE Financial Services for an alleged medical debt. This debt was supposed to have been paid to the medical provider by XXXX XXXX, but was never paid. The medical provider sent it to collections and included {$2.00} in interest to the original debt.
|
| 04/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent 2 letters to this company asking for verification of debt. It has been over a month since my first communication. First letter was sent on XX/XX/2021. Second letter was sent on XX/XX/2021. I have yet to receive any response in accordance to what I owe and verification of debt.
|
| 09/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CMRE finance : Opened XX/XX/2021 In the amount of {$2300.00} Disputed on XX/XX/XXXX & XXXX, XXXXCMRE financial services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX. XXXX and XXXX states the account is assigned to An Attorney and about to be sued.
US 15 code 1692
|
| 01/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ON XX/XX/XXXX, I sent my 2nd notice to CMRE FINANCIAL SERVICE , INC, concerning the alleged debts ( XXXX, and XXXX ) that i do not owe.My first letters were sent on XX/XX/XXXX with no respond, so i've decided to sent the last set of letters.I have attached copies below for your reading.
|
| 04/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.
|
| 03/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have paid this debt directly to the hospital. I never had an agreement/contract with CMRE, yet they are reporting my minor son 's bill on my credit report. Attached is the receipt of me paying the hospital. I do not have an account with CMRE, nor have I ever had an account with them.
|
| 03/11/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call.
|
| 02/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too.
|
| 12/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated calls from CA. I researched and found out it is CMRE financial services. They are a THIRD PARTY debt collector. They need to have proof of debt. Until they can provide proof of ORIGINAL debt I will not speak with them. From now on, they have to provide everything in writing.
|
| 11/10/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
|
| 06/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE, a collection agency, is reporting to my credit report a debt that is not mine. They are porting some kind of XXXX XXXX services. As a matter of fact, I 've never had any XXXX in my life other than XXXX. The total amount this agency is reporting to XXXX and XXXX is {$270.00}.
|
| 08/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested a Debut validation and they received my written notice onXX/XX/2020 They never responded and still reporting negative account on my credit. I have no clue what it is. Can you verify and report my up date. They are clearly in violation of the fair debut collection act.
|
| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX, original lender - CMRE Finanacial Services, Bureau Name - XX/XX/2020 date reported - payment status, collection/chargeoff - total amount {$680.00} This was not notified and company did not reach out to me. According to my records I did not visit XXXX XXXX XXXX.
|
| 09/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 08/03/2021 |
No |
- 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
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 11/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it.
|
| 02/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from CMRE demanding payment for a medical bill in the amount of {$55.00}.
I have made several attempt to explain to CMRE the debt does not belong to me.
CMRE knows this debt does not belong to me, but continues to harass me with this demand for payment.
|
| 05/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I accepted and paid a settlement agreement offered XX/XX/20 for {$450.00} which included complete removal from my credit report.
CMRE keeps re adding the record to my report after it fell off.
I got a payment confirmation code but never got payment confirmation letter
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX2014.
|
| 01/13/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital.
Then just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX.
|
| 01/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent debt validation via certified mail on XX/XX/2020. The company failed to validate the debt. Instead they sent a copy of my medical records. I know this is a violation of XXXX regulations. I never signed anything authorizing them to have access to these records.
|
| 01/22/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money.
|
| 02/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified of the documents, XXXX approved my remove of CMRE AND this remains in the credit file and I want this removed to miscommunication or fraud I have no memory where I ended up with this charge because they never told me where the debt was created
|
| 08/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Both companies did not reply to my letter stating that I wanted to see proof that this was my account. XXXX responded with no proof and CMRE Finance did not respond at all but verified debt to XXXX. The attached letter were mailed out certified mail in XXXX XXXX
|
| 06/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation.
|
| 04/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I contacted the hospital where I went to the ER and this is not the company I owe my debt to. They have repeatedly harassed me despite the fact I have made it clear that I know that I do not owe my debt to them and will not supply them with my personal info
|
| 05/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Checking my credit report XX/XX/2018 with all 3X Credit Bureau 's, I overcame a account reporting a balance {$900.00} placed for collections, I've told them i have knowledge of this debt, Collectors harass me consistently while living my day to day life.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
On XXXX the ambulance ride was paid by my insurance of XXXX $ to the XXXX XXXX county fire department under the alias XXXX XXXX. This collection agency is double billing. Cmre financial services Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Identity Theft! I received an update from credit bureaus that there is a negative item reporting on my credit. Upon inspection, I noticed there were accounts open that were not mine. I tried calling to resolve the issues but no one was willing to help.
|
| 01/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid for all my hospital bill. I had autopay and Ive checked my bank statements and it was taken each month out of my bank. I got a letter saying from debt collector that I owe {$970.00}, but I never got a bill from XXXX XXXX XXXX that I still owe.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an account on my credit that has been open for over 3 years now, I tried to dispute it, but all it did was extend the amount of time it will be on my credit. It should have fallen off at XX/XX/XXXX and now will stay on my credit til XX/XX/XXXX.
|
| 04/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by XXXX.
|
| 08/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. My information was obtained without my knowledge and was used for monetary gain. The following accounts are not mine.
CMRE FINANCIAL {$3500.00} account number- XXXX XXXX XXXX XXXX XXXX {$19000.00} account number-XXXX
|
| 06/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do not have a contract nor any contract with CMRE Financial Services. I have never done business with this company. I am not liable for comllect from this debt from XXXX XXXX XXXX. I am not responsible for this debt from CMRE Financial Services.
|
| 03/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2016, I received a demand letter from CMRE Financial Services , INC asking me to pay a debt of {$370.00}.
This medical bill does not belong to me. I am disputing this bill and do n't intend to pay a bill that does not belong to me.
|
| 09/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have no prior business with this company. I dont even know where this account came from. It is my opinion this account is fraudulent. Ive been a victim of identity theft for quite some time. And because of that someone acquired this collection.
|
| 08/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Doctor billed the incorrect amount and after I refused to pay the incorrect amount, they sent to collections and is now on my credit report as an adverse account. The doctor has verified with my insurance company that the wrong amount was billed.
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 06/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX Hospital received payment from XXXX XXXX XXXX. I then paid my co-payment directly to XXXX Hospital. The debt collection firm that XXXX Hospital hired, CMRE Financial Services , Inc,. continues to try to collect, even though nothing is owed.
|
| 11/23/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have not called them yet for I just looked in my mail and found this. Says I have a balance due of {$320.00} from something I have no clue what it is about. I went online to look up the company and have seen many negative responses about them.
|
| 04/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received letter from CMR Financial Services , Inc, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX stating {$270.00} is owed XXXX XXXX XXXX XXXX XXXX ... this amount was written off by my insurance and this is an attempt to pay a non existent amount.
|
| 11/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hospitalized in XX/XX/2018 twice. Copays came to XXXX. Paid debt off 2 weeks ago directly to hospital.
Debt Collector CMRE claims amount is still owed - {$190.00}.
CMRE FINANCIAL SERVICES , INC .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 10/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Already called directly multiple times I have XXXX XXXX they are not a preferred provider for XXXX XXXX XXXX where I live and they contract with them for the X-ray at the er I am not sure multiple calls to XXXX XXXX XXXXt XXXX with no response
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I NOTICE A NEGATIVE ITEM ON MY REPORT FROM CMRE FINANCIAL SERVICE AND SUBMITTED A LETTER TO THEM ON XX/XX/2020 ABOUT THIS ALLEGED DEBT OF XXXX $ THAT I DONT OWE.I HAVE ATTACHED A COPY OF THE LETTER WITH THIS COMPLAINT OF WHAT I AM ASKING FOR.
|
| 11/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I need to dispute the account. This is not a bill that I owe. This bill is not accurate. It was reported inaccurately. This has been previously confirmed with the original creditor that it is not accurate. You have reported it inaccurately.
|
| 04/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/01/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
My only notification of this debt was from CMRE Financial Services ( debt collector ). I never received an original bill from the doctor. I agreed to pay the principal owed under the pretense that CMRE would send me the original statement.
|
| 03/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This account was settled with the originating creditor prior to being put in for collections. I have not signed a HIPAA release form authorizing this third party creditor access to my medical information and a HIPAA complaint will ensue.
|
| 02/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Keep calling from different numbers I stated to leave me alone and take me off the list.I also have no knowledge about the debt there stating I owe and I just had a baby and it's AGGRAVATING.They stay hurassing me I tried to dispute it.
|
| 01/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
on XX/XX/2018 i was charged {$1600.00} for ambulance services, i have never been in an ambulance. i tried to clear it with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX to no avail, they refuse to take it off my credit report.
|
| 01/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming.
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I do not have a contract with CMRE. XXXX plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$100.00}
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CMRE was notified by letter almost a dozen times to provide substantiation for an alleged debt by my attorney. They failed to do so, yet suddenly added negative information to my credit report. I have tried calling them to no avail.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I am unable to pay this debt due to financial hardship. No offer of a lower income assistance was offered by the original creditor, and isnow with a collection agengy. This has created a negative effect on my credit file with XXXX.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE Finance. XXXX XXXX. {$140.00}.
Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE Finance. XXXX XXXX. {$100.00}.
Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE Finance. XXXX XXXX. {$94.00}.
Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 06/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report.
|
| 07/28/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to CMRE FINANCIAL SERVICES several times they will not respond. They have placed a collection on my credit and will only update with the credit bureau. XXXX refuses to remove even though I have provided proof.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 08/11/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have mailed many letters! after about XXXX certified letters the collection agency did removed the negative items from my XXXX and XXXX!
But CMRE refusal to remove the negative items off my XXXX and ceased all communication!
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE XXXX. XXXX XXXX. {$46.00}.
Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 11/23/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
|
| 02/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have a collection account on my credit reports for a medical debt that was paid by my insurance and I have disputed the his with credit bureau and the debt collector who has refused to respond to my letters for proof of debt
|
| 07/01/2021 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX AND XXXX XXXX and I do not have a contract with CMRE FINANCE plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$160.00}
|
| 02/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello I keep getting bills from a XXXX I had back in XX/XX/2021. Everything has been already paid yet I keep getting bills sent to me and now you guys are contacting me. Once again everything has been paid months ago.
Thanks
|
| 02/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CMRE Financial Services is not reporting accurate information to the Credit Reporting Agencies. I have paid the debt owed to this company, and they continue to falsify information and report that the debt has not been paid.
|
| 02/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CMRE Financial Services is not reporting accurate information to the Credit Reporting Agencies. I have paid the debt owed to this company, and they continue to falsify information and report that the debt has not been paid.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE. XXXX XXXX. {$130.00}.
Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE. XXXX XXXX. {$140.00}.
Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 04/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 08/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have never even heard of this CMRE company. They call constantly and I have never even heard of these people nor have I ever dealt with them I believe it is not fair that this has a negative impact on my credit report.
|
| 05/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016
|
| 06/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
|
| 08/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I feel like I'm being taken advantage of being ignored of my disputes!! I already dispute this account as I can see that you are reporting inaccurate information. This is not mine please remove this account immediately.
|
| 12/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE. XXXX. {$65.00}.
Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
|
| 01/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CMRE Financial Debt Collector called for 2nd time via a recording that a debt is owed, and if not paid, legal actions will be taken against me. The case number they stated is : XXXX. They said their website is : XXXX
|
| 06/14/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Collection agency is claiming I owe {$9.00} to XXXX XXXX XXXX. I never received a bill from this company. I have paid all of my medical bills and have no knowledge of any outstanding debt. This is a fraudulent claim.
|
| 03/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true.
|
| 05/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/2020-CMRE was paid in full and confirmed they will update and remove from my credit as agreed.
The collection company is still reflecting I owe them and has not removed the accounts from my credit reports
|
| 09/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This bill has been filed to my insurance and should be removed from my credit reports. XXXX XXXX service is the original creditor. The amount of the bill is {$1200.00}. The date of the account opened on XX/XX/2017.
|
| 08/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a debt collection notice from CMRE Financial Services , inc for a clinic visit to XXXX XXXX XXXX on XX/XX/22. XXXX XXXX XXXX had never called, sent an invoice or any correspondence regarding this visit.
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I dont know what this debt is and it was reported on my credit report without letting me dispute it. The only bill I got from XXXX XXXX XXXX was for XXXX not XXXX. I dont know why it would be increased to XXXX.
|
| 11/06/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount.
|
| 01/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have reached out to the creditor CMRE Financial Services , Inc in regards to this debt w/ no communication of validation. The original creditor is XXXX XXXX XXXX. The amount of the debt is listed as {$80.00}.
|
| 12/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
-Identify Theft report filed with FTC XXXX
-Disputed collection account via credit bureaus.
-Hired a lawyer to negotiate with collection company to pay but denied any negotiations to come to a middle ground.
|
| 11/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I would like a detailed receipt on the bill that that claims I owe ( x ) amount. I do not believe the bill I have received is the correct amount due. Due to the fact I did not receive a bill till months later,
|
| 07/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recieved multiple calls from a CMRE FINANCIAL SERVICES before XXXX and after XXXX CT on multiple occasions as well repeated calls to relatives from XXXX XXXX. These appear to be from CMRE FINANCIAL SERVICES.
|
| 04/21/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I never received written notification of the debt when I found the debt on my credit bureau I found that they had reported the account to the credit bureau twice effecting my credit score as well as my wife.
|
| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter from the company CMRE Financial Services stating that I owed there company. Over the past couple of days I have paid ever balance owed to the original company which is XXXX XXXX XXXX.
|
| 07/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
|
| 01/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hippa Violation, asked for validation and they send an itemize bill which is not validation, show prove like a contract between you and I, never heard of CMRE and never done business with them to owe them
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
XXXX $ XXXXcmre financial services I don't use it an I told them this time after time Ic system XXXX $ i told them I never use are signed up for anything I disputed both of them but it still on my credit
|
| 06/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2019 date of notice received by mail from CMRE Financial Services Inc.
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fictional debt owed to a XXXX firm {$8.00}. Yes XXXX dollars and XXXX XXXX cents.
|
| 10/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, you sent me a paper that looks I owed XXXXXXXX XXXX after credits but when I check my account about this issue it shows me that the balance is XXXX.
The issue belongs to the date of XX/XX/2022.
|
| 04/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 08/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE Finance debt of roughly {$600.00} appeared on my credit report. I have never dealt with this company or had any medical expenses. I need this item removed as it is negatively affecting my credit.
|
| 02/09/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.
|
| 05/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.
|
| 12/20/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX provided my personal information to a third party without written or verbal consent. They sent my information to CMRE collection agency. They are in violation of XXXX laws.
|
| 03/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX and I give authorization to move forward with this complaint. Please see the attached documents and identifying identification as it contains my full complaint and request.
|
| 11/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
CMRE debt collectors agreed to remove this account from their records and my credit report. They re-added the account to their records and has not removed the account from my credit reports.
|
| 03/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The account was settled with CMRE I told them I needed an deletion and would pay the debt. I did yet the reported negatively in XXXX and have still not removed the debt from my Credit report
|
| 12/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I already send my papers that is payoff my son has medical hospital did not had my information I give to them this the paperwork for this claim please look at it i at attached it thank you
|
| 08/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my bill in XXXX and CMRE FINANCIAL with address XXXX, CA XXXX with phone number XXXX recorded as delinquent until last week. This was affecting negatively my credit score for years.
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Cmre XXXX XXXX medical still showing on my credit report after being paid by law office and disputed three times with company I have letter of paid in full to be removed from XXXX XXXX
|
| 03/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
CMRE Recorded my confidential communications without my permission. It has been over 30 days and they have not responded to my authorized Represenative. No lawsuits have been filed yet.
|
| 09/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I did not know about this debt until i checked my credit score no one has called me nor sent me anything in the mail and i honestly do not remember going to the hospital on that date.
|
| 01/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA.
|
| 04/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am not liable for the debt owed to CMRE financial services I did not sign a contract nor agreement with this company can this please be removed from my credit report immediately
|
| 03/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never done business with XXXX, I don't even know what it is. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Amount of XXXX from your credit report.
In response to your dispute, this item was DELETED from your credit report.
CMRE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a collection on my XXXX report and another account I don't recognize that don't belong to me, I have written and called XXXX to remove this and no luck. Please help.
|
| 01/31/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER.
|
| 04/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I saw a blip on my Credit report from this company claiming I owe some sort of medical bill from 2010. This bill is not mine and this company is known to be fraudulent.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To my knowledge, I do not remember receiving any validation from this company. If XXXX can not validate this information this account needs to be deleted immediately.
|
| 11/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
cmre financial service acct no. XXXX is attempting to collect a debt that was covered by insurance at time of service.IT IS WRONGFULLY APPEARING ON XXXX CREDIT BUREAU
|
| 07/10/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CMRE IS IN POSSESSION OF MY MEDICAL RECORDS. I HAVE NEVER GIVEN THEM AUTHORIZATION TO SHARE MY INFORMATION ON A DEBT THAT WAS PAID THROUGH INSURANCE ON A MEDICAL DEBT
|
| 07/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a collection that I paid to cmre on XX/XX/XXXX and I sent a certified letter to them on XX/XX/XXXX requesting for removal of account and they are not removing.
|
| 06/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Trying to get a payment history to see if payments have been properly applied to account. Representative has stated company does not send out that type of report.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.
|
| 12/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
COLLECTOR KEEPS CALLING MY CELL, FAILED TO VALIDATE SAID DEBT, WENT ON CREDIT REPORT WITHOUT VALIDATING AND ZOMBIE DEBT.
SEVERAL VIOLATIONS OF DODD-FRANK ACT.
|
| 10/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CMRE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?
|
| 07/07/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.
|
| 10/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do?
|
| 04/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount.
|
| 01/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This Debt is not mine and has been reported on my credit report by this unknown company as CMRE in the amount of {$430.00} with an account number of XXXX.
|
| 09/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance.
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted CMRE to dispute this debt in XX/XX/2019. They returned correspondence without proper validation while still reporting this alleged debt.
|
| 04/12/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
IDK what this bill is or where it is from I have no knowledge of this I get calls but IDK what this is for and advised them to stop with the calls
|
| 10/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Surprise medical bill. Tried multiple times to resolve through XXXX XXXX but to no avail. XXXX 's billing service has now sent me to collections.
|
| 01/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
{$910.00} Account number : XXXX I had 3 accounts with this collections company dealing with this matter. The other two were removed and deleted.
|
| 02/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received any notice that of the debt because the collection company was sending notices to an address that I did not live at anymore.
|
| 04/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am getting repeated calls from a company call ed CMRE Financial ser vices saying they are trying to collect on a debt which does n't exist
|
| 10/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Reporting a debt on all 3 of credit bureaus ( XXXX, XXXX, XXXX ) Is the result of Identity Theft, police report and FTC Affidavit on file.
|
| 04/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Got a detoragorty remark on all three credit reports and never received a bill. I would like this removed placed by the collections agency
|
| 01/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The called multiple time back to back today 5 time in less them 5 min. They also leaving voicemail on voicemail with not Id factors on the
|
| 06/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report
|
| 11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am not aware of this account. I visited XXXX many many years ago and did n't owe them anything. Please remove this from my credit.
|
| 12/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive numerous calls for someone with a similar name. Today, I received 61 calls between XXXX XXXX XXXX. No voicemail was left
|
| 03/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX several calls made regarding debt. I have settled my debt with this hospital.
|
| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I don't know we're this debt. Came from was never contacted or notified or asked for this collection and I have medical insurance
|
| 10/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received collections letter from CMRE regarding alleged medical debt, asked for verification / substantion of debt none provided.
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
CMRE is fraudulantly reporting on my credit report two medical accounts that are not mine, they are the result of Identity Theft.
|
| 07/20/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
they refused to answer questions and then hung up on me at exactly XXXX. They were very rude and wouldnt explain their poloicies.
|
| 07/08/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Old medical bills waited over year too contact Me now insurance wo n't pay also figure different on credit report from calling in
|
| 07/08/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Old medical bills waited over year too contact Me now insurance wo n't pay also figure different on credit report from calling in
|
| 12/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am unaware of this debt or company, I have received any bill or written correspondence for my right to dispute thus collection
|
| 05/30/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
This debt from my XXXX and according to the insurance they all paid as they received. ( XXXX, XXXX, XXXX, XXXX and XXXX bills.
|
| 04/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified or contacted concerning this medical debt. I need the debt validated otherwise removed from my credit.
|
| 06/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently reviewed my credit reports and noticed a collection account was posted for XXXX XXXX I never received from them.
|
| 12/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I try to dispute off my credit report and it keeps coming back as verified. With out any evidence to show I owe this debt.
|
| 11/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
CMRE debt collectors agreed to remove debt from my credit report. They removed it, then re-added back to my credit report.
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Every bill I have received from XXXX was paid. No bill from XXXX for this amount was ever received nor should it exist.
|
| 04/17/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had to go to the hospital and CMRE ended up slapping with a debt I do not owe and my MEDICAL INSURANCE already paid.
|
| 07/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I want to know if the XXXX is the real collector. This is the name of the collector : CMRE Financial Services , Inc .
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not know where this debt comes from, I am not aware of the amount that I owe - to anybody/ any organization.
|
| 04/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this at time of service many many years ago. This is a scam and they are trying to get more money from me
|
| 03/07/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.
|
| 04/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020 {$110.00} Haven't taken any action yet but I will soon talk to a lawyer if this is not resolved.
|
| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter and a phone call from this company and they never advised whom they were collecting for.
|
| 12/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I Was charged for {$280.00} by " XXXX XXXX XXXX '' in which I have no recollection of for such services.
|
| 12/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
They just keep hasling me when it was paid in full XX/XX/2016. I sent them all info to verify payment.
|
| 02/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CMRE FINANCIAL SERVICES INC. I received the attached demand letter from CMRE for a debt I do not owe.
|
| 06/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone else used my information to receive free medical services. I never had business with them
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent me a bill for a debt that belongs to XXXX XXXX. My name is XXXX XXXX. This is not my bill.
|
| 10/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This was paid by my insurance company so I do n't understand why they still need me to pay it
|
| 01/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company is deducting a commission from the payments I have made equaling 25 % of my payment.
|
| 04/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I informed them i will make payments on the matter but they keep calling 5 to 6 times a day
|
| 03/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
failed to provide validation of debt with wet signature. May have violated my HIPAA Rights
|
| 04/08/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
First started receiving fake medical bills, and now threats of reporting to credit bureaus
|
| 03/05/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I did not receive a notice that I even owed this debt. I do n't even know if it is mine
|
| 06/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102
|
| 01/06/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have sent letters to XXXX, XXXX and XXXX and investigation took well over 30 days.
|
| 02/10/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE
|
| 09/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling from a different number then they tell you to call a 800 number
|
| 11/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i was never seen this for this medical visit it was not me who got medical care.
|
| 08/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees.
|
| 11/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter from CMRE Financial Services for medical debt I do not owe.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Please forward the information to CMRE FINANCIAL SERVICES , INC . Thanks!
|
| 12/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Still on my credit report they still refused remove debt of the list
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Already stated that I had no idea where these accounts where opened
|
| 03/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
FAILED TO PROVIDE VALID DOCUMENTATION OF DEBT WITH MY WET SIGNATURE
|
| 10/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call numerous times, do not send anything via mail.
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
No contract with this agency. I do not owe this debt.
|
| 02/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling us too many can you stop this call
|
| 09/22/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
CMRE IS IN VIOLATION OF SOL, FCRA, FDCPA AND TCPA.
|
| 02/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
sold off and no contract
|
| 02/15/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Needs to be removed
|
| 02/07/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 12/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
|
| 04/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 02/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 01/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 11/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/19/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Phone |
|
|
|
| 10/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 10/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/09/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/02/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 07/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/07/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/06/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 06/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/10/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 05/17/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/17/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2022 |
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
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/12/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 04/06/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2022 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/06/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/12/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/11/2022 |
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
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/09/2022 |
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
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/04/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 11/23/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/20/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/11/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 10/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/10/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/07/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/07/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2021 |
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
- Investigation took more than 30 days
|
|
Web |
Older American |
|
|
| 08/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/24/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 08/20/2021 |
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
|
|
Web |
|
|
|
| 08/17/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/12/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/10/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2021 |
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
|
|
Web |
|
|
|
| 07/27/2021 |
No |
- 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
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/17/2021 |
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
|
|
Web |
|
|
|
| 07/14/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/09/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/09/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/08/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/08/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/08/2021 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/07/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/15/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/14/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/25/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/18/2021 |
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
- Investigation took more than 30 days
|
|
Web |
Older American |
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/08/2021 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Referral |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/09/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/22/2021 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 01/22/2021 |
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
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 12/21/2020 |
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
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/03/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/29/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/20/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 10/28/2020 |
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
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 10/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/01/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/01/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2020 |
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
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
|
| 09/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 08/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/24/2020 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/22/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/12/2020 |
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
|
|
Web |
|
|
|
| 08/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/29/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 07/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 07/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2020 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 05/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 04/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 02/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/08/2019 |
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
|
|
Web |
Servicemember |
|
|
| 11/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 08/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
|
|
Web |
|
|
|
| 08/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 07/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 07/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 07/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 04/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2019 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 04/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
|
| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 02/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 01/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 01/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 01/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/06/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 12/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 12/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 05/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 05/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 05/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 04/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Fax |
|
|
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Fax |
|
|
|
| 04/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 03/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 01/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 12/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 12/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 12/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 11/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 09/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 08/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 07/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 07/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 07/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 06/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/17/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/07/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 03/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
|
| 03/20/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/15/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 03/14/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/13/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/13/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 03/10/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/07/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/28/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 02/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 01/31/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 01/31/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 01/30/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/28/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/27/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 01/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/22/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/03/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 12/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Servicemember |
|
|
| 11/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 11/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 11/06/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 10/13/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 08/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/10/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/05/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/01/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Fax |
|
|
|
| 08/01/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/14/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 07/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 06/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 06/23/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 06/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 06/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 06/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/09/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 06/06/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 06/02/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/02/2016 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 05/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/24/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/21/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/17/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 05/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/10/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/09/2016 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 05/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/06/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/04/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 05/04/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 04/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 04/24/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 04/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 03/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/15/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 02/23/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 02/13/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/07/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/04/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 01/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 01/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/13/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/12/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/03/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/11/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 12/11/2015 |
Yes |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/05/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/25/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/18/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/06/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/03/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/28/2015 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 10/20/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Postal mail |
Older American, Servicemember |
|
|
| 10/15/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/07/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 09/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/09/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/04/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Servicemember |
|
|
| 09/02/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/31/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/29/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/27/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/23/2015 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/22/2015 |
No |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 07/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 06/02/2015 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Phone |
Servicemember |
|
|
| 06/01/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 05/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 05/20/2015 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 05/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/28/2015 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 04/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Servicemember |
|
|
| 04/20/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/14/2015 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 04/14/2015 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 04/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 03/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/17/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/14/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 03/10/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/05/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 03/05/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Servicemember |
|
|
| 02/26/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 01/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/27/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/19/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 01/05/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 12/31/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 12/22/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 12/13/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/13/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/12/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 12/11/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 12/11/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/28/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/23/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/20/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/06/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 10/30/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 10/23/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/20/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/18/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/12/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/08/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/05/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/15/2014 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
|
| 09/14/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/14/2014 |
Yes |
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/30/2014 |
No |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/14/2014 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Servicemember |
|
|
| 08/14/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/09/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/09/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/06/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 08/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Servicemember |
|
|
| 07/30/2014 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 07/02/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/02/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/30/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/25/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 06/18/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 06/17/2014 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
|
| 06/16/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/15/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 06/09/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 06/04/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/03/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
|
| 06/02/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 05/20/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 05/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 05/12/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/07/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 05/05/2014 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
|
| 05/02/2014 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 04/27/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/04/2014 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/30/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/20/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 02/22/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 02/22/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
|
- Incorrect information on credit report
- Personal information
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 02/08/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/04/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/03/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 02/01/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|