Debt collection -- Communication tactics -- Complaint #18086413
Complaint Overview
Complaint ID: 18086413
Company: Cmre Financial Services, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Michigan
ZIP Code: 49423
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Debt Collector disclosed or used private health information. I am submitting this complaint because a debt collection agency CRME sent me medical procedure information that they should not possess. I requested normal debt verification. In response, the collector provided a list of medical tests and procedures performed, including a CT scan, with specific dates. This is private medical information and goes far beyond what is allowed for billing or verification. Debt collectors are limited to receiving only the minimum information necessary for payment, such as -name -balance -dates of service Not allowed -test names -procedure types -diagnoses -medical details I believe the collector received protected health information improperly and is now using it in their collection process. I request the CFFB review CMRE 's conduct and ensure they comply with federal consumer protection and privacy regulations.
Frequently Asked Questions
What is Complaint #18086413 about?
Complaint #18086413 was filed against Cmre Financial Services, INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Cmre Financial Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cmre Financial Services, INC.?
Yes, visit the Cmre Financial Services, INC. company profile at readthecomplaint.com/company/cmre-financial-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.