Cascade Capital, LLC

2017-03-16

Shalimar, FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-10

Capitol Heights, MD

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-07

Chester, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I was contacted by a company named XXXX XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of XXXX XXXX to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2016-12-13

Charles A Hayes, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-12

LA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was paid
Complaint: Loan was paid in XXXX XXXX. In XXXX, 4 years after I moved from VA ( moved in XXXX XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by XXXX XXXX XXXX representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan XXXX XXXX XXXX had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX XXXX XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that XXXX XXXX XXXX is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from Cascade Capital attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX XXXX XXXX XXXX contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-23

Warrenton, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. Additionally the law firm misrepresented the owner of the debt by saying it was owned by XXXX ... It was not until we called Santander to find out it was sold to Cascade Capital, with whom I have never had any correspondence from or notice that the debt was sold to. I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have Child support to pay out ... Bills to pay ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job so many years ago .... They already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-09

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-07-20

NH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: In XXXX I was injured while XXXX XXXX. I was treated at a local hospital and released. Due to paperwork problems, the XXXX XXXX XXXX via XXXX did not pay the hospital. The debt was sent to a collection agency. On my own behalf I contacted the VA and obtained assistance in getting the hospital properly paid ( morally, the right thing to do ). Myself and the collection agency in question received a copy of the letter I will be attaching indicating the hospital was paid and further stipulating that the debt was never mine to begin with, and that I can not be held responsible. The letter further directions the collection agency to remove the collection attempt from my credit reports. I had to follow up with XXXX several times to have the collection finally removed. The debt was apparently sold ( invalid as it may be ) to a creditor that contacted me in XXXX attempting to collect on this debt. I sent them a copy of the letter and requested they close this collection attempt. They said they would. I have now been contacted a third time this year. However, I must report that the agency that contacted me did so " on behalf '' of a collections agency in another state, Cascade Receivables Management. The agency that contacted me was XXXX XXXX XXXX XXXX. They refused to identify on the phone as a collection agency, claiming they are a " negotiations firm ''. They continued to refuse to identify unless I identified who I was first, even though they were calling me multiple times. They further refused my verbal request that they send proof of the debt. I then contacted Cascade and requested written proof of this debt. This occurred on XX/XX/XXXX. To date, I have not received anything. This collection/false debt has been following me and causing me untold XXXX and grief, especially whereas my credit is involved. This XXXX XXXX also called my wife, despite having my contact information. They refuse to leave any voice-mails when they call. I do not know how to get relief from this situation. It is my belief that when I send proof that this is an invalid debt, they will simply sell the account and this nightmare will begin all over again and follow me for the rest of my life.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-09

Port Arthur, TX

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-05

DC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and Cascade Capital ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from XXXX XXXX XXXX XXXX XXXX, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as Cascade Capital. Cascade Capital is XXXX of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with Cascade Capital. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

Sandy Hook, MO

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2016-02-17

Hilltop Mall, CA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was discharged in bankruptcy
Complaint: I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-14

Dickinson, ND

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-12-10

Jasper, AL

Charged fees or interest I didn't expect

Payday loan:

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

Disputed: No Timely Response

2015-11-02

NH

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2015-10-07

OH

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-30

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-09-22

Hickory Hill, TN

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-23

San Mateo, CA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was paid
Complaint: I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. XXXX XXXX XXXX response to that is " oh well '' this company says you owe them. How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. I am supposed to just take their word for it and pay them??
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-13

San Gabriel, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-03

Cataldo, ID

Taking/threatening an illegal action

Debt collection: I do not know

Attempted to/Collected exempt funds
Complaint: Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-25

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows cascade receivables management, but when I contacted this number the recording states, office of XXXX or XXXX. I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from 2009. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from 2009. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after 6 years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-05-28

Kragnes, MN

Charged fees or interest I didn't expect

Payday loan:

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

Disputed: No Timely Response

2015-04-27

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: This company " XXXX XXXX XXXX, XXXX '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-21

OK

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: Debt was wrote off, Time barred Debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response