ComplaintsforCMRE Financial Services Inc

• Initial Complaint

  10/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Cmre sent my account *********** to collections for $1,349.00 on Oct 18,2023. I disputed this account in May 2023 s/w ******, who also confirmed with me on 10/18 , that this account was disputed and should have not been sent to collections. I decide to pay $1,435.55 for collection as i did not want this to affect my credit. I called Experian 10/24/23 to see why my credit report has not been updated, Experian stated they have not receive any information that my account was paid in full. CMRE lied and said they did 10/19, that clearly didn't take place.CMRE-FAILED TO SEND ME THE **** I REQUESTED IN MAY 2023 TO VALIDATE THE DEBT.CMRE- FAILED TO SEND ME NOTICE PAID IN FULL CMRE- FAILED TO SEND REQUEST TO CREDIT BUREAUS TO HAVE ACCOUNT REMOVED

  Business response

  12/05/2023

  CMRE Financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. The account in question was paid in full to our office and confirmation of this was provided to the credit bureaus, Experian and Transunion on 11/24/2023. If the consumer is using a 3rd party application to review their credit profile, there may be a delay in the timeframe in which they would reflect the account has been resolved. CMRE Financial Services, **** has no control over this timeframe. If the consumer has any additional questions or needs any additional information, we can be reached at ************ Monday through Friday 8:00am to 8:00pm EST.

• Initial Complaint

  12/03/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  While covered by ***************** I visited kings county hospital emergency room in 2016. I was charged $1931 and this was placed in collections. I didnt know until I received my credit report that it was in collections. I contacted ******** and was told to ask **** for a letter detailing the amount so I can send to WellCare and they will settle this account. I have spoken to the collection agency twice and asked for the letter but I havent received it. After one of the **** agents I spoke to told me that wellcare wont pay the the amount because the account is too old, I realized that they want me to pay it and thats why they havent sent the letter to me. Im not paying for this which is the responsibility of the insurance I was covered under. They paid for my surgery a few weeks before that emergency room visit and the WellCare agent I spoke to admitted that they made a mistake. She said wellcare should have paid for that emergency room visit. This is affecting my credit score and I need it taken off my credit report.

• Initial Complaint

  11/18/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I received an alert today stating that my credit score had gone down 34 points. I found that this company had sent a paid account to collections. My appointment fornthose services was on November 11, 2019 and paid December 2 , 2019 by my insurance company. In October 2021 I received a phone call stating that they had not received my payment. I sent verification of the payment made by ****************** in November 2019. I sent an explanation of benefits, showing it has been paid in full TWO years prior !!I was asked to fax the proof and I did so. This account #******** shouldve never been placed in collections, in return effect my credit report . As it appears in their business reviews, as well as BBB complaints, this company has a REAL problem with issues identical to mine. This is not acceptable that this incompetency can damage a persons credit status . Im furious

  Business response

  11/21/2022

  CMRE financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. The account in questions was assigned to our office on 09/22/20. Notification was mailed to the consumer on 09/27/20 to the address listed in this complaint. The consumer contacted us on 10/21/20 advising that the account was paid and provided us with the *** that was provided in this complaint. We reviewed the *** supplied which only listed the hospital charges for this DOS and did not list the services rendered for the account in question. The consumer's account was then closed from our office and placed with another agency at the provider's request. While the account was assigned to CMRE Financial Services, **** it was not reported to the credit bureaus. Since the account is no longer with CMRE Financial Services, **** the consumer will need to contact the agency who is reporting the account to the credit bureaus for further information. If the consumer needs any additional information from CMRE Financial Services, **** we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

• Initial Complaint

  11/08/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I noticed that there is inaccurate account that I needed to report. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:Account Name CMRE FINANCE Balance $8,392 Account Number ********************

  Business response

  11/10/2022

  CMRE Financial Services, **** has received the consumer's complaint and appreciates the opportunity to respond. The consumer's account was assigned to our office on 12/12/2019. Three statements were mailed to the consumer to the address listed in this complaint on 12/17/2019, 01/21/2020, and 05/06/2020 with no response. Based on the current information provided by the consumer in his complaint, we have determined that the information being reported is accurate. If the consumer has any questions or would like to provide us with additional information to further investigate his dispute, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

• Initial Complaint

  10/09/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I have received collection letters from **** attempting to collect money for a debt which I believe was taken care of by insurance. In January 2021 I sent a letter requesting that the debt be verified. It was sent by certified mail and I have a receipt showing it was received by ****. To date I have not received a response.This was followed by **** filing a negative credit report which has affected my credit score, and no communication from ****. The **** account # is: ************ have not received a bill from anyone but **** for services.I believe this is an error and should be removed from my credit report immediately.

  Business response

  10/24/2022

  CMRE Financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. The consumer is correct in that the account in question has been reported to the credit bureaus in error. We do show that we are in receipt of the consumer's certified letter,however, it was not processed through the correct channels. As such, the account in question has been closed and a request for deletion has been electronically submitted to the credit bureaus, Experian, and Transunion.Please note that there may be a delay in the time that it takes for the bureaus to accomplish the deletion. CMRE Financial Services, **** has no control over this time frame. We sincerely apologize for this error and mishandling of the consumers request. If the consumer needs any additional information, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

  Customer response

  10/24/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************
  
   
  

• Initial Complaint

  09/29/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  To whom this may concern,I called the phone number on a bill I had just received to my mailbox on 9/29. A man picked up and gathered my information. I called because I wanted an itemized invoice. The invoice in my PO box seemed like fraud and was very vague with no description to any amount due they are asking from me, just a total number with no description. Instead of processing an itemized invoice in the mail for me like I asked so I can see if this was either fraud or an expense that had already been paid, I was talked over multiple times with a raised voice and mono tone. The customer service agent wanted to instead explain the numbers to each invoice instead of giving me a detailed description as to where the numbers are coming from or better yet just mailing an invoice to me so I could figure out their discrepancies. He also decided he wanted to try to give me insight that I might have possibly paid a different vendor which was not needed. I am an accountant and am very aware with company names at the top of a bill and whom it is going to. The man on the phone was not only extremely unprofessional and constantly talking over me without sending in the mail what I had asked, a detailed invoice to be mailed. I asked to speak to his manager and was overtalked again with no explanation to why I can't speak to his manager or another sales representative. After doing some research, I began to see how many bad reviews that were also reported to the BBB about this company. Will you please audit this company and be sure the customer service rep's get the proper training when someone asks for an itemized invoice so they know what they are being charged for.

  Business response

  10/04/2022

  CMRE Financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. The consumer's accounts have been updated to a disputed status and we are in the process of investigating the consumer's dispute and request for validation. After our investigation, we will mail the consumer our response which will include validation in the form of an itemized statement if the balance is still due.Additionally, the agent's manager has been informed of the consumer's complaint regarding their customer service. An internal QA will be completed, and the appropriate action will be taken. If the consumer needs any additional information, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

  Customer response

  10/04/2022

  I will accept this when I receive an itemized invoice in the mail. Mahalo 

  Business response

  10/06/2022

  CMRE Financial Services, **** has reviewed the consumer's rebuttal and appreciates the opportunity to respond. Unfortunately, the BBB requires that respond to consumer complaints in a timely manner that is less than the time it may take for us to get a response back from our client and provide the validation the consumer is requesting. Also, we cannot control the amount of time it will take for the validation letter to be processed by the **** and be delivered to the consumer. However, the consumer's request has been expedited and the account is in a disputed status. In the meantime, if the consumer needs any additional information, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

  Customer response

  10/06/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  Brooklyn Samm
  
   
  

• Initial Complaint

  09/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate: Alleged Creditor: CMRE FINANCE Alleged Original Creditor Account: MEDICAL Debt Collectors Account Number: ****** Alleged Debt Amount or Balance: $87.00 and $112.00 Cc: Consumer Financial Protection Bureau ************************************************ Cc: FEDERAL TRADE COMMISSION *****************************************************************************

  Business response

  09/28/2022

  CMRE Financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. The accounts in question have been closed from our office as of 06/01/2022 and a request for deletion was submitted to the credit bureaus at that time. The consumer will need to obtain a current copy of their credit profile to see that the accounts have been removed. If the consumer needs any additional information, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

• Initial Complaint

  09/06/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have received another report to my credit regarding a balance of $183 reported by ***** Radiology Associates. I have contacted CRME numerous times stating that the balance on this account is incorrect. I have called ***** Radiology Associated and confirmed numerous times that I do not have a balance and this was settled in full by ********* This needs to be removed from my credit and closed. Someone get in touch with the reporting party and confirm balance is $0.00 before i file legal action on fraud reporting to my credit. I expect to be contacted with confirmation that this has been cleared and removed from the collection agency and credit report.

  Business response

  09/28/2022

  CMRE Financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. We have contacted our client and was able to confirm with them the account was paid by ********* The account in question has been cancelled from our office and a request for deletion has been electronically submitted to the credit bureaus, Experian and Transunion. Please note that there may be a delay in the time that it takes for the bureaus to accomplish the deletion. CMRE Financial Services, **** has no control over this time frame. We apologize for any inconveniences and if the consumer needs any additional information, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

• Initial Complaint

  08/07/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have sent a letter to request proof of validation. I have submitted a complaint and proof of Non-response. The collection agency has updated my reporting by increasing the collection amount and has it filed as open. I must find a way to get a resolution and have this reporting deleted from my credit report. It is damaging my financial current and potential opportunities. I have no contract or open account with CMRE Financial.

  Business response

  08/23/2022

  CMRE Financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. The account in question has been cancelled from our office AS OF 08/18/22. A request for deletion has been electronically submitted to the credit bureaus, Experian and Transunion. Please note that there may be a delay in the time that it takes for the bureaus to accomplish the deletion. CMRE Financial Services, **** has no control over this time frame. If the consumer needs any additional information, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

• Initial Complaint

  08/06/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  About 6 months ago I was working on building my credit and I noticed a debt from cmre financial services, it was from a hospital **** for my daughter that was a baby at the time. She is now 5 yrs old. They ****ed me instead of her insurance. She was insured from birth till now. I reached out to them and told them they ****ed me not the insurance. I gave them the information for the insurance. They said they tryed to **** her insurance that she has now I told them they need to **** ******** nothing else.ive tryed disputing it many times I've tryed reaching out many times, and they are not trying to resolve this issue.this has been nothing but a burden that I should not be responsible for they made the mistake I did my part in trying to give them the info they need to take care of this and remove it completely from my credit reports. Now I can't even get ahold of them or a response. If I was responsible for the **** it would have been payed. But the original **** was ****ed incorrectly on their end not mine. I want them to correct the mistake and resolve this issue with ********* So my credit can go back to where it should be. Please do the right thing and take care of this instead of ignoring it and telling me it's not your responsibility when you were the ones that ****ed the wrong insurance. So please figure this out and take this debt off my credit reports please. This has caused me so many problems do to a delinquency on my credit that should not be there. They need to contact ******** directly not any other insurance company.the name of the debt collector is cmre financial services.

  Business response

  08/23/2022

  CMRE Financial Services, **** has reviewed the consumer's complaint and appreciates the opportunity to respond. The account in question has been cancelled from our office due to its age. A request for deletion has been electronically submitted to the credit bureaus, Experian and Transunion. Please note that there may be a delay in the time that it takes for the bureaus to accomplish the deletion.CMRE Financial Services, **** has no control over this time frame. If the consumer needs any additional information, we can be reached at ************** Monday through Friday 7:00 am to 5:30 pm PST.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩