Consumer complaint received 2021-04-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
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.

Company response to consumer: Closed with explanation