Consumer complaint received 2020-07-06
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
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

Company response to consumer: Closed with explanation