Debt collection -- False statements or representation -- Complaint #18971634
Complaint Overview
Complaint ID: 18971634
Company: Cmre Financial Services, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 94402
Date Received: 2026-01-23T12:00:00-05:00
Date Sent to Company: 2026-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint regarding an improperly collected medical debt that should have been processed through health insurance. CMRE reference : XXXX In XX/XX/XXXX, I received XXXX XXXX XXXX at XXXX XXXX XXXX XXXX The XXXX XXXX was later issued by XXXX XXXX XXXX XXXX in the amount of approximately {$940.00}. At the time of billing, the provider processed the account as XXXX because they did not have my insurance information. After receiving the statement, I promptly provided my health insurance details to the billing office by email and requested that the claim be submitted properly to insurance. Despite my documented efforts, the provider failed to submit the claim, did not respond to multiple follow-up emails and phone calls ( XXXX ), and instead referred the account to a third-party debt collector. In XX/XX/XXXX, I received a collection notice from CMRE Financial Services for the same amount ( approximately {$940.00} ). The debt is being pursued even though it is the result of an insurance billing failure and remains disputed. I have formally disputed this debt and requested validation. The original provider and billing contractor have been unreachable and unresponsive, leaving me unable to resolve the issue through normal channels. I am requesting that the collection activity stop immediately, that the debt be returned to the provider for proper insurance processing, and that no credit reporting occur while the debt is disputed. If the collector continues collection efforts or reports this disputed medical debt to credit bureaus without proper validation, it may constitute violations of the FDCPA and consumer protection laws.
Frequently Asked Questions
What is Complaint #18971634 about?
Complaint #18971634 was filed against Cmre Financial Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2026-01-23T12:00:00-05:00.
How did Cmre Financial Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was 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.