Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX regarding a billing notice for {$92.00} related to an ultrasound I received at XXXX XXXX XXXX. I informed them that XXXX is covered under my insurance and that I would be reaching out to XXXX to resolve the discrepancy. On the same day, I contacted XXXX who confirmed they had already notified Premier Diagnostic that the submitted claim was denied due to an unregistered XXXX ( XXXX XXXX XXXX ). XXXX advised that XXXX XXXX simply needed to update the missing or incorrect information and resubmit the claim for processing. XXXX further assured me they would follow up and that the XXXX XXXX XXXX XXXX ( XXXX XXXX ) prohibits debt collection efforts while an insurance dispute is pending. 

Despite this, on XX/XX/XXXX, I received a letter from XXXX XXXX falsely stating that I had not contacted either their office or my insurance provider. In response, I sent an email to XXXX ( as listed on the letter ) but did not receive a reply. Nonetheless, on XX/XX/XXXX, I received a debt collection notice from CMRE XXXX, dated XX/XX/XXXX. Upon calling CMRE, I informed them that this matter was still in dispute with my insurance and Premier Diagnostic and should not have been sent to collections under AB 1020s prohibition on collection efforts during insurance disputes. The representative stated she was unfamiliar with the law but would note the dispute on my account and advised me to contact XXXX XXXX again. 

That same day ( XX/XX/XXXX ), I contacted XXXX XXXX 's billing department and reiterated the situation. They assured me they would submit an amendment to their billing department. However, on XX/XX/XXXX, I received a voicemail from CMRE Collections instructing me to return their call. Upon doing so, I was informed that XXXX XXXX had sent a letter on XX/XX/XXXX, stating that the claim was denied again. I informed the representative that I never received this letter and reiterated the details of my ongoing dispute. The representative again stated that she was unfamiliar with AB XXXX but would mark my account as under dispute and recommended I contact XXXX XXXX directly. 

Later that day ( XX/XX/XXXX ), I spoke with XXXX XXXX, and they confirmed they had corrected the XXXX issue and resubmitted the claim to XXXX. Additionally, they stated that the bill had been removed from collections and were uncertain why I had received a call from CMRE. When I inquired about how I would be updated regarding the claims resolution, I was told I would receive a notice via mail. However, I informed them that I have not received any of the prior updates they claimed to have mailed, leading to misinformation that I had not followed up. In response, the representative advised me to call back in XXXX weeks for an update. 

On the same day XX/XX/XXXX I called CMRE again at XXXX and confirmed the account was closed and it was not submitted to the credit bureau . 

Given the lack of proactive updates from XXXX XXXX and the discrepancies regarding mailed notices, I have set a reminder to follow up with them directly. 

All phone call records, and email will be attached.

Company response to consumer: Closed with explanation