Cascade Capital, LLC

2019-11-24

Boynton Beach, FL

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Eight Mile, AL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: please see my previous cfpb closed complaint XXXX for details and attached proof. XX/XX/XXXX I received an attempt to collect from XXXX XXXX, XXXX saying the amount owed is {$790.00} from XXXX XXXX XXXX. 1. This is a FRAUDULENT claim from a collection agency. a. statute of medical bill collection limitations for BOTH Florida and Alabama is WAY over the statute of limitations. This medical bill was done in XX/XX/XXXX. It was written off due to indigency in XX/XX/XXXX. ( please see attachments from previous cfpb complaint regarding this same issue and you will see both hospital and XXXX XXXX XXXX written off confirmation numbers ). b. It is ILLEGAL for this agency to continue to pursue after statute of limitations ( x 2 Florida and Alabama ) is over c. It is ILLEGAL for XXXX XXXX to cross state lines to collect-yet this is my second time this year dealing with this issue. d. Amount they say is due is FRAUDULENT and ILLEGAL. See previous cfpb complaint for attachments. Correct amount is {$0.00} e. THIS is FRAUDULENT because it has been reported on my credit report 4 times now and I suspect when I do not pay this time it will be reported a FIFTH TIME. I am asking that you enforce my request that they stop seeking to collect. Im XXXX and can not pay this bill anyway. I will not pay this bill as it is fraudulent and illegal.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-10-31

Sarasota, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Around XX/XX/2019 I received a letter in the mail saying they were a debt collection company. They call themselves Cascade Capital LLC. The letter states that they have purchased the accounts from the Original Creditor. Total of 2 accounts. The letter gives no detail as to the amount I may owe or services that were provided. It only states to call their office at ( XXXX ) XXXX should I have any questions. XX/XX/2019 I called their office. I was a bit concerned because I was in the process of paying of a debt which they were not aware of. It was not discussed. I asked them how much I owed and I told them when I receive a notice from them after the 30 day wait period in compliance with Florida Statute 559.715. I would look it over and send a payment. One account was for {$48.00} and the second account was for {$25.00} They informed me they were not going to send me another notice.? I said then how can I pay you. They said over the phone is acceptable. I told them I need a statement first. After all, I need to keep records too. He became excited and tried to get money. He said I can also write a check and send it to their address listed below. I told him I can do that But, I need something on paper first. He said No! That's when I realized he was a scammer. Working through the mail service. He said they will not be sending another statement and I said " Great '' Then I guess were done. I hung up. They are listed as Cascade Capital Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX // Also at XXXX XXXX / XXXX MI XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-09-18

Allendale, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-07

AZ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I was sued by Cascade Capital and I don't even know who they are and what it is about. I just discovered this information tonight while researching court records.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-09-03

Chester, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Cascade Capital collections ( XXXX ) calling me at XXXX for " XXXX XXXX ''. My number is business number held by me for XXXX yrs I have never known a " XXXX XXXX '' or any name close to. I have been harassed for XXXX years by one collection agency after another. FTC and CFPB complaints filed ( XXXX ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019. Each time I was assured no further calls would be received. ( In writing by the lawyer for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019 ) None the less these XXXX, XXXX XXXX collection agencies sell or transfer the collection account to new agencies who start calling me again. It would be nice if the Federal employees charged enforcing these laws would actually do something.
Company Response: Closed with explanation

Timely Response

2019-08-26

TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I recieved a notice in the mail that Cascade Capital LLC. has sold an account that is in my name, to XXXX XXXX XXXX. I never recieved a letter stating that the account held in my name, was being sold. I have asked XXXX XXXX XXXX to VALIDATE the information. They said that the will reach out to the ORIGINAL CREDITOR. All I recieved was an itemized statement at the beginning. I then asked them to validate, I have recieved another statement but this one seems to have some medical procedures on on it. I have called XXXX XXXX XXXX and spoke to a person named, XXXX, asked them if they have the HIPPA Realease Form to share this information to a 3rd party. XXXX stated that they are still acquiring that information from Cascade Capital LLC. I feel like my HIPPA laws may have been violated and if they have the correct paper work, I should be provided with proof. I will attach the files/statement that was sent to me by XXXX XXXX XXXX that they recieved from Cascade Capital LLC. but I will cover up the area were it seems that medical procedures were done for caution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-07-25

Bremen, GA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-19

Brownsville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-13

Macclenny, FL

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-06-23

Cane Creek, AR

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2019-06-13

Palm Bch Shrs, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-09

Barr, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-05

Smallwood, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-29

Cypress, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Cascade Capital has repeatedly attempted to collect medical debts that do not belong to me through various collection agencies, the current one being XXXX XXXX. I have requested debt validation through the collection agencies and have only received one page -- a printout from a computer ledger that does not fulfill the validation requirements. Based on the information provided by a collection agency, I have determined that the accounts in question were opened in my name as a result of identity theft. My identity was stolen in numerous breaches of the credit reporting agencies as well as XXXX. I notified Cascade Capital of this information via certified mail, return receipt requested. They received the notice but have failed to act. Their agent, XXXX XXXX, continues to report inaccurate information to all three credit reporting agencies. Furthermore, XXXX XXXX has failed to validate the debt as required by law. Cascade Capital continues to allow this inaccurate information to be reported.
Company Response: Closed with explanation

Timely Response

2019-02-15

Church Point, LA

Received a loan you didn't apply for

Payday loan, title loan, or personal loan: Payday loan

Complaint: Said I applied and received a pay day loan even after I told them I was a victim of id theft and was reported to credit beuroes and ftc I never been in Texas or applied on line my credit is f rating and I am XXXX.XX/XX/2019 total {$1100.00}.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Timely Response

2019-01-02

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt. The first collection company said they closed the account and returned the account to their client XXXX XXXX XXXX XXXX XXXX So what does that mean? It is not my debt.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-11-28

Lewisville, TX

Took or threatened to take negative or legal action

Debt collection: Auto debt

Sued you without properly notifying you of lawsuit
Complaint: Cascade capital LLC has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-21

Ehrhardt, SC

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: Account sold to third party from XXXX XXXX and now it shows incorrect information regarding balance and last payment date.
Company Response: Closed with explanation

Timely Response

2018-10-30

Radcliff, KY

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-25

Fort Stockton, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I have an account that was reported to my XXXX credit report by XXXX XXXX XXXX in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to Cascade capital and was re assigned to XXXX XXXX XXXX and reported to XXXX. I contacted XXXX XXXX XXXX today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-10-19

Radcliff, KY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-14

IN

Can't contact lender or servicer

Payday loan, title loan, or personal loan: Payday loan

Complaint: I received a paydayloan from XXXX XXXX in XXXX in XXXX. I then relocated to XXXX XXXX. I somehow found out or remembered the loan, therefore, I went to the lender and paid it off with cash. A few years later I needed a new paydayloan in XXXX XXXX. I was turned down due to the paydayloan from XXXX XXXX, I know this because teller gave me a number for the Indiana data base and they discussed the matter with me. I was very appalled, the told me to reach out to XXXX XXXX. When I spoke with the teller she said she would investigate and call me back. She never did. I called back a few weeks later and the same missed opportunity to assist me occured. I let it go ... .until I needed a payday loan again. Plz help XXXX XXXX no longer has an institution that receives incoming phone calls. Even the place that I made my payment is no longer physically active.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-10-10

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I was notified by XXXX XXXX XXXX, XXXX. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX XXXX which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX XXXX XXXX. and processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as 100 % XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-28

Temperanceville, VA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: The Company in question is Cascade Capital XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX XXXX XXXX called in reference the delinquent auto account from XXXX. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from XXXX and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until XX/XX/XXXX to pay it in full. On XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency Cascade Capital XXXXin referecnce the same debt. I was furious and notified XXXX XXXX XXXX XXXX in referecnce the garnish and they stated that XXXX have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on XX/XX/XXXX so I tracked down the contact for Cascade Capital XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from XXXX. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. XXXX is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by Cascade Capital. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by Cascade. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and Cascade have grievance against XXXX for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need Cascade to cease garnishment and pursue XXXX or XXXX XXXX for settlement. I am not paying twice for the same account and Cascade now is trying to charge me more than what I had already settled for. Contacts Cascade Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response