| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Cascade Capital LLC [ XXXX Old XXXX XXXX ] [ XXXX, CA, Zip XXXX ] [ XXXX ] [ XXXX ] Re : Pre-Arbitration Demand Letter Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Unlicensed Debt Collection in the State of Georgia Dear Sir/Madam, I am writing to bring to your attention several serious concerns regarding your debt collection activities as they pertain to me, [ XXXX XXXX XXXX XXXX and to demand immediate resolution of these issues prior to the initiation of arbitration proceedings or federal court proceedings.
This company sold my information to a Debt collection company by the name of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX California XXXX. I had no business with Cascade Capital LLC and you have no license to collect debt in the state of Georgia, I have exhibits of you having no license to collect debt furthermore I have written communication that you provided my information to this company, and also recorded phone calls from this company stating that you sold them my information. I also was harassed by the agent when I told him I was at work and continuously to harass me at my place of employment stating that I owe a debt. Furthermore, than decided to send me more information after I stated on my recording that I refuse to pay the debt, and you have the wrong person. You or the company you sold the information to have a license to collect. I have written communication from the company that admit to you selling my information, and recorded phone calls of harassment.
You have violated the Fair Debt Collection Practices Act You have violated the Gramm-Leach-Biley Act You have violated the Consumer Financial Protection Act You have violated the Federal trade Commission Act 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in abusive, unfair, and deceptive practices when attempting to collect debts from consumers. I believe Cascade Capital LLC has violated my rights under the FDCPA in the following ways : 15 USC 1692d 806. Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
a. Harassment and Abuse : [ Provide specific details of any harassment or abusive conduct you have experienced, such as incessant phone calls, threats, or intimidation tactics used by Cascade Capital LLC. I have exhibits as in emails and recorded calls from an agency that you sold my information to without my consent. I explained that I was at work to the representative, and he kept talking stating that I need to pay a debt after I explained I refused to pay the debt on recording and Im at work and he caused me to get in trouble from continuously to call me. ] b. False or Misleading Representation : [ Specify any false or misleading statements or representations made by Cascade Capital LLC in their debt collection communications. This company has sold my personal information to someone who I have not provided written consent and doesnt have a license to collect debt in the state of Georgia . ] c. Unfair Practices : [ Describe any unfair practices you have encountered, such as misapplication of payments or the imposition of excessive fees. This agency also didnt verify the amount they are telling me to pay that is not my debt. I have been injured by this at work. ] These alleged violations of the FDCPA have caused me significant distress and financial harm, and I insist on prompt resolution in accordance with the law.
Unlicensed Debt Collection in the State of Georgia : I have reason to believe that Cascade Capital LLC is conducting debt collection activities in the state of Georgia without the necessary licensing as required by state law. Under Georgia law, debt collectors must be licensed to operate within the state. Please provide evidence that Cascade Capital LLC holds the requisite license to collect debt in the state of Georgia. Failure to do so will constitute a violation of Georgia state law.
I demand that Cascade Capital LLC takes immediate steps to rectify these issues by : a. Ceasing all further debt collection activities against me.
b. Providing written confirmation that the alleged debt in question has been withdrawn or resolved.
c. Providing written confirmation that Cascade Capital LLC is licensed to collect debt in the state of Georgia.
d. Acknowledging, in writing, any violations of the FDCPA and a commitment to cease any further prohibited conduct.
e. Providing compensation for any damages, including actual damages and legal fees, incurred as a result of the FDCPA violations and unlicensed debt collection.
This letter is not an admission of any liability on my part, and I expressly reserve all my rights and remedies under federal and state law.
I expect a prompt response to this letter within [ 2 calendar days ] from the date of receipt. If Cascade Capital LLC fails to address these concerns and provide satisfactory resolution within the specified time frame, I will have no choice but to pursue legal remedies, including arbitration, or filing a federal lawsuit to protect my rights.
Please consider this letter as a genuine attempt to resolve this matter amicably and avoid costly and time-consuming legal proceedings.
Sincerely, [ XXXX XXXX ]
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| 01/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I did a voluntary repossession returning the vehicle financed through XXXX XXXX on or around XX/XX/XXXX. The account was charged off. Then last year in XXXX XXXXI received a notice that Cascade Receivables Management would begin taking legal action against me by filing a suit against me rendering a judgement which would give them legal means to freeze or levy my bank account or accounts. I receive XXXX benefits. At the time I financed a XXXX XXXX XXXX while working at XXXX XXXX to supplement my income. I became unemployed and could no longer afford to pay the monthly payments. I turned over the vehicle and they were franticly telling me as I was walking out the door that they had a form that I needed to sign. I dont know what the form was or what it said as I never signed it. I just got into my friends car and he drove me home. I hadnt received any notices in writing via mail or phone from any collection agencies until XXXX of XXXX when I received in the mail a collection notice stating that if I did not respond or dispute the debt that Cascade Receivables Management would begin taking legal action against me filling a lawsuit and a judgement would be rendered giving them the legal means to levy or freeze my bank account and in addition to that garnish my wages for outstanding debt. I called the collection agency XXXX XXXX aka XXXX had turned over to Cascade Receivables Management. I spoke with a Mr. XXXX and I dont recall if I told him that I received Social Security XXXX. I did tell him that I worked part time at XXXX XXXX XXXX. I wasnt going to respond to the collection notice thinking it wasnt legitimate. I called XXXX and spoke to a female ( I cant recall her name ). I asked her if she could please provide me with the Collection Agency they used as I wanted to confirm that Cascade Receivables Management was a real collection agency. The female did verify that was the collection agency they turned the account over to. At the time in XX/XX/XXXX I had verified that I was XXXX XXXX and was honest with Mr. XXXX. I in good faith and conscience desired to address the debt since I was being threatened with a civil lawsuit and was threatened that once a judgement was made against me that my bank account and other accounts would be frozen or a levy would be enforced preventing me access to my bank account. The bank account I have is with XXXX XXXX XXXX and I have direct deposit of my XXXX benefits to my account. I thought about calling Mr. XXXX back to confirm with him that most of my income is from XXXX. Since I worked part time at XXXX XXXX XXXX I decided to not go to blows with Cascade Receivables Management over the outstanding debt as my conscience bothered me greatly over knowing I had this negative mark in my credit file. I did agree to pay Cascade Receivables Management {$250.00} a month due on the XXXX of every month until the account is paid in full. Mr. XXXX I do recall telling me he would see about helping me something about a reduced amount or something of that nature. I thought okay great I will be helped with getting some kind of credit towards the debt owed. Maybe I didnt understand what he was telling me as I was scared and nervous just even picking up the phone. Honestly I was wanting to do the right thing because I thought it would help my credit score and turns out it has not. I was told by a few friends NOT to respond or agree to pay anything and to ignore the collection letter. I had been a XXXX XXXX for 12 years and I got clean and have been clean for 3 years and before that clean for 4 years but I relapsed. I became homeless and lived on the streets of XXXX XXXX even tried to XXXX XXXX. I got myself clean on my own. I went cold turkey. It was the best decision I ever made. I went to working on my credit about 2years ago. I paid off 4 charged off creditors. Even though I paid in full it really didnt help my credit. It showed paid but still as a collection. Fortunately 2 of the paid collections were deleted from my credit file. I apologized to Mr. XXXX for ignoring the letter but I told him I put aside my fear and that I was working on cleaning up the damage I caused myself. I guess what Im saying is Im no longer homeless and I have food to eat and a place to sleep at night. Im glad to be alive and happy I chose to not overdose or jump off the overpass back in XXXX. Im sorry for telling you all this but I just want you to know Im not complaining about it because what I learned is to let go and let God and to accept things as they are. I didnt fight Mr. XXXX the collector for Cascade Receivables Management as I wanted to be at peace with myself about my debts I created and failed to pay in full those companies I owed. After all if I didnt pay my debts then Im a liar. I agreed to pay those companies I owed and if I didnt make good on those outstanding debts then I would be in fact a liar. I didnt want that on my conscience. I was financially responsible. I now help others and have even help a few pay their debts whenever I had the means to do so. I learned that the 12 steps to sobriety is worth it. Today I love myself and Im proof that it works if you work it and the promises really do come true. I reclaimed my life. And even when my Father passed away XX/XX/XXXX I didnt relapse. I stayed focused on myself even though I wanted to numb the pain over the loss of my Dad. I didnt I got through because of my Higher Power. Please forgive me if I used this filing of a complaint to tell you what happened in my life which effected my choice to pay the debt owed to XXXX. I could have argued the point with Mr. XXXX that they couldnt legally collect this debt since I am receiving XXXX but I didnt. I believe that God knows what I must do and so I listened. After almost 2 years working on my credit I went from a XXXX credit score to XXXX as of XX/XX/XXXX. Thank you for allowing me to share these thoughts with you.
Respectfully, XXXX XXXX XXXX XXXX
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| 09/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/XXXX, my XXXX XXXX XXXX daughter who was experiencing a case of XXXX XXXX XXXX with XXXX XXXX XXXX XXXX was taken to the nearest XXXX. The reason I had taken my daughter to this XXXX XXXX is that only 2 weeks prior she had been diagnosed with XXXX XXXX and was prescribed XXXX XXXX once a day. Her Physician had advised me to monitor her because there was a risk of having an XXXX XXXX to this medication and if that were the case to please take her immediately to the emergency room to have her examined. With that in mind we drove to this location which is only 10 minutes away from our home and which in a prior situation had an excellent experience. When arrived at the location it was XXXXXXXX XXXX it was a very prompt service. When we walked in, we were received by the triage receptionist who was attending a patient and asked us kindly to wait to be attended. We sat down and within a minute we were asked to come in to take vitals from my daughter and asked the reason we were there. After that, they promptly took us to the room where we waited to be attended by the attending physician. While we waited my daughter kept complaining of worsening XXXX, after she had begun to complain the attending physician came in with a smile. He asked my daughter what the reason for our visit was, as my daughter explained how she felt he continuously kept smiling and did little to nothing to help her with the XXXX which had proceed to get worse. He stood in front of her and didnt even care to thoroughly examine her. All he did was peek through her shirt and diagnosed her with XXXX. After he had examined her he prescribed her with XXXX XXXXXXXX XXXX which they did not have even though it was an XXXX. So at XXXXXXXX XXXX. no pharmacy is open at that time, he told us to look for one, mainly because there was none open nearby. We asked if they knew where to find a pharmacy that was open 24 hours but they said no. Not even 5 minutes in the XXXX when we were out the door. When I was there, I expected for my daughter to have a thorough examination or at least a shot to stop the XXXX from continuing. After being released I arrived at my home to see my daughter covered in XXXX in her back, buttocks and legs. I contacted her pediatrician over the phone again and she advised me to give her a double dose of XXXX, she was surprised that the XXXX Dr. had not administered nothing and seeing the pictures of her XXXX The pediatrician advised me to contact the billing department regarding this matter since the services provided was not the proper procedure for the allergic reaction nor the amount being charged. I have attached a picture, so you can see how she was. I was told by her pediatrician that the Physician was not careful enough to examine her correctly this could have been a XXXX reaction. As soon as I received the 1st bill I called the billing department for a detailed view of my statement and to explain the situation, but I was notified that they had established a specific amount when there are no procedures done and that the fact that I didnt received a satisfying service was not enough to help my bill. They told me I had received a discount for uninsured, I appreciated the discount and by no means was this discount enough to cover the service he gave us. What I was asking is for them to reconsider the amount billed that for a service of less than 30 minutes with no help for my suffering daughter I was asked to pay {$880.00} for the hospital visit even though nothing was administered that is not including the {$820.00} for the Physician charges. I understand that each hospital can charge what they desire. I started to call and send letters, after sending a letter on XX/XX/XXXX, and several phone calls regarding the charges the hospital was willing to reduce my bill from {$880.00} to {$140.00}. I did a payment plan for that amount and finished paying it. I spoke with the manager of this free standing XXXX and was told he would try to help me with the {$820.00} Physician charges but after several attempts he said he could not help me. So I started sending letters to the Physician 's billing department and I received no response. Then I started to receive letters from collection agencies regarding this bill and I would always ask to have this debt reviewed to see if the Dr. would lower the fee for his lack of attention. Also I have previously contacted the collection agency asking for verification of debt and they have not responded. After a while the letters ended but they began again with calls that just call and hang up and call again. They also called and no answer. So after a call that disturbed me regarding a collector stating he would sue me I started looking for information. I also learned that they have reported it to a collection agency as of XX/XX/XXXX. So I decided to contact the CFPB for help in disputing this debt. I have learned that this debt is past the statue of limitations. They have been attempting to collect a debt for the past 4 years and I have always responded to their letters but never received a response. Please help with the phone harassments and the continuous charge of {$820.00}.
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| 01/24/2024 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Subject : Notice of Equitable Interest in Trust Account, Conditional Acceptance, and Request for Validation of Debt Dear [ Cascade Capital Funding LLC ], and its agents and trustees, Greetings, I hope this letter finds you well. I am writing to address the matter of the account [ Account Number ] currently in collections under your management. I, [ XXXX XXXX ], am the beneficiary of the [ XXXX XXXX XXXX LIVING TRUST ], and I assert my equitable interest in the account in question.
While I acknowledge and appoint [ XXXX ] as the trustee of this account, it is imperative that we ensure proper documentation and legal standing in this matter. I kindly request the following information : XXXXriginal Trust Agreement : Please provide a copy of the original trust agreement governing the account to verify the legitimacy of the debt collection.
Legal Title : Confirm the legal title and interest you hold in the property associated with the trust. Verification of this information is crucial for the transparent resolution of this matter.
Signed Contract : A copy of the signed contract between myself and [ Cascade Capital Funding LLC ] Consideration for the Contract : Detailed information on the consideration provided by [ Cascade Capital Funding LLC ] as consideration is a crucial element of a valid contract.
I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit ( trust ) reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit ( trust ) report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. Credit means trust in etymology and report means estate. So, my credit report is my trust report and is my property and estate.
If your agency/ company fails to respond to this request within a period of ten ( 10 ) days from the date of your receipt of my notice then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing via email. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
If you are unable to provide the requested proof within the specified timeframe, you admit to not being a party of interest and acknowledge that you can not rightfully enforce the alleged debt claim. By law, all collection activities must cease until this matter is resolved, as the debt is officially in dispute. If you can not provide this proof I request you IMMEDIATELY report to the credit reporting agencies that this account is paid in full and you wont try to collect ever again.
Equity is centered around fairness and equality. Alleging that I pay an alleged debt without providing consideration is a form of punishment. Equity regards the beneficiary as the true owner, and the credit report you are furnishing to credit reporting agencies is my trust report, part of my estate. Everything is trust. Everything is an agreement and if anything has my name on it thats a legal title of my estate. Since you are furnishing this information that makes you the trustee, I request that you uphold your duties and settle the obligations to this trust and not sell it to another third party.
Thank you for your attention to this matter. I anticipate your prompt and cooperative response.
Sincerely, [ XXXX : XXXX XXXX Without Prejudice, All-Natural Inalienable Rights Reserved
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| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Starting around the beginning to of XXXX I started getting calls from a couple different companies claiming to be debt collectors on an unpaid medical debt that I owed. In speaking with them they were referencing a medical visit that I legitimately had with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Their claim was that I owed money to a doctor that provided service during that visit named XXXX XXXX XXXX XXXX XXXX
During the phone call they repeatedly made attempts to exacerbate the conversation, in what I can only assume was an attempt to try and prove that I was somehow an unreasonable actor and therefore use that against me.
The fact of the matter is that I have repeatedly and consistently asked for the following over and over : ( 1 ) Proof that the debt is legitimate, ( 2 ) Confirmation as to why this debt was not properly submitted to my insurance that has no record of it, ( 3 ) Comment on why it is that the first time I'm hearing about the debt is from a " debt collector. '' During the months of repeated annoyance by these different collectors I've actually called XXXX XXXX XXXX XXXX, who states that not only do they have no records of that physician on my file, but that their records show that I've paid the bills they have on file. In addition, I've now reached out on two separate occasions to XXXX XXXX XXXXXXXX XXXX XXXX and spoken with the Accounting Department. Both times, I've received no confirmation that they either ( 1 ) provided service or ( 2 ) have an outstanding bill with me. In fact, both calls ended with the person I was speaking with saying that they would review my case with their manager and get back to me. To date, they have never gotten back to me claiming that the debt is legitimate.
So I'm now finding myself with these agencies continually annoying me, and frankly I don't think I'm asking for anything unreasonable, but given the prevalence of fraud out there, I'm highly suspect that these people are even legitimate actors.
I have told them repeatedly, that unless they can legitimately prove that I owe the debt, than I'm not paying them anything. To date, other than phone calls the only form of an invoice they've provided is something produced on their own letterhead, not the doctor 's, and that the doctor has not confirmed is even legitimate.
In all cases, when I try and make these reasonable requests they attempt to draw the conversation out and get more and more aggressive with me, in an attempt to get me to be more aggressive. For example, I'll state what I'm looking for to prove that this is legitimate, and they will respond with something along the lines " Sir SIR, calm down, you owe this debt, and you have to pay your bills. '' I've even gotten responses like that after I clearly stated : " I have no problem paying legitimate bills, but you've yet to prove that this is legitimate. '' More questionable items on their part, is a claim to a varying dollar amount that I supposedly owe. I've been told that I owe anywhere from {$150.00} to {$730.00}, to somewhere in between. " Why the inconsistency? '' one may ask, no clear answer.
In addition, on the phone they've referenced a date of service on XX/XX/XXXX, which was when I went into the hospital, but on a mailing collection notice they sent me, they claimed a date of service of XX/XX/XXXX. Why the discrepancy, who knows?
I don't know what to do at this point as one of these collectors has dinged my credit, a first for me, and they've done so all without anyone being able to prove that this is even a legitimate debt.
Their actions and attempts seem like nothing but pure scam, and frankly I would've ignored it as such, until one of them dinged my credit.
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| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Credit Report Number : XXXX, Date Created : XX/XX/XXXX XXXX Credit Report Confirmation XXXX XXXX, Date created : XX/XX/XXXX XXXX Credit Report File Number : XXXX, Date created : XX/XX/XXXX Creditor : Cascade Capital Funding LLC Account XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Dear : XXXX, XXXX and XXXX XXXX Cascade Capital Funding LLC I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor : Cascade Capital Funding LLC I am writing to dispute fraudulent charges on my account in the amounts of {$350.00}. I am a victim of identity theft, and I did not make [ this/these ] charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. Again please remove this account immediately from my credit report and also provide me a copy of my new credit report reflecting this account removed upon completion.
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Furthermore, I believe that the furnisher of this information from Cascade Capital Funding LLC as the credit bureau and XXXX is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX Thank you Please investigate this matter and send me a written explanation of your findings and actions.
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| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I had disputed this debt with XXXX and sent them certified mail that they were not to collect my bills as it was a HIPPA violation. They dismissed the debt, but the company sold my debt to another third party. Again, this violates my HIPPA rights as I never gave XXXX XXXX XXXX Permission or Acute Care Specialists PLLC, XXXX XXXX XXXX XXXX, or Cascade Capital Funding , LLC to sell my debt to a third party. Furthermore. I am allowed under the HIPAA law ( XXXX XXXX Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party nor did I give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN, XXXX Permission to sell my debt to Cascade Capital Funding , LLC XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX CA XXXX. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : I am requesting that the HIPAA covered entity or its business associate provide debt validation for an account in question. Please provide that validation in the form of agreement, and original bill, and a detailed statement of procedures is required, if any.
Please provide a breakdown of fees, including any collection costs and medical charges, if any.
Please provide a copy of my signature with the provider of service to release my medical information to.
Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any.
Cease any credit bureau reporting until the debt has been validated by me.
Please provide me with a verited certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FIDCPA, or HIPAA.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request of which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail.
Kind regards, XXXX XXXX
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| 09/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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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
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| 07/19/2022 |
No |
- Debt collection
- Auto debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I voluntarily returned my XXXX XXXX to XXXX financial around XXXX due to mechanical issues ( paid XXXX in repairs in 2 years ). XXXX XXXX and their attorneys XXXX and XXXX placed a judgment on me on XX/XX/XXXX. This date is clearly past the 5 year statute of limitations in Florida to collect the debt. I called XXXX and XXXX and asked why they did this after the statute of limitations expired. The representative told me I made a single payment 3 years after I returned the car and that payment started the clock over again and they can collect on the debt. I didnt make a payment to them and asked for proof of payment, date of payment and mode of payment. XXXX and XXXX told me they didnt have the info on the payment they said I made, but they would get the info and contact me via phone or email to prove I made a single payment years after I gave the car back. Never received a call or mail proving the payment. I called back asking for the info and the representative said they cant get me proof of the payment they said I made. XXXX and XXXX t placed a garnishment on a chase account ( XX/XX/XXXX ) I shared with my XXXX XXXX XXXX grandfather with I was taking care of him at the end of his life. The judge in XXXX XXXX XXXX Florida reversed the garnishment on a web conference call and returned the money back to my grandfathers account since I made no deposits into the account and his account consisted of Pensions, social security and POW benefits from XXXX. They did however take around {$800.00} from a chase account I opened while taking care of my grandfather in Arizona.
. They also violated the fair debt collection act numerous times trying the collect the debt. They called X wife and relatives with strong arm collection tactics saying the Sherriff was coming to my house unless I contacted them or paid the debt. I contacted Cascade via mail and to them to only correspond with me via mail due to their tactics. The calls stopped for a while and started back up. They would call me and do the same tactics.
In closing, Cascade Capital and XXXX and XXXX cant prove I made the single payment years after I returned the car and before the 5 year statute of limitations expired. I feel like they made up the payment to extend the judgment. A quick online search shows this is not the first time they have used this tactic to extend the statute of limitations so they can continue to collect after the statute of limitations expired They also recently placed another judgment on me to keep this going to try to collect. Its been a nightmare for sure.
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| 09/10/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have previously Filed a complaint against XXXX XXXX XXXX in XXXX with both the CFPB and the XXXX XXXX XXXX CFPB referred the complaint to the regulator and XXXX XXXX XXXX located in XXXX responded to my XXXX complaint. I accused them of committing Fraud and they responded. The debt was a result due " errors '' with a 3rd party contactor who is no longer in business and they no longer had access to phone calls or documentation ( convenient ) they apologized and informed me they were recalling the debt and closing the account.
Today, I received a collection letter from Cascade Capital Funding , LLC with two bills that XXXX said resulted out of " error ''. XXXX XXXX XXXX states the original invoice maybe XXXX, but the balance was forwarded to them for collection '' the Letter States the communication is also a validation of debt. First, that's not a validation of debt, if you can't say definitively if the original account had a XXXX balance or not than you are lying about something or holding back crucial information. ( did I mention, I have a letter, that I have included from XXXX stating the debt was a result due to error ).
I believe the collection agency attempted to deceive by omitting crucial information in this really bad attempt to confuse me which is in violation of the FDCPA. XXXX XXXX XXXX has also violated the FDCPA by knowingly and continuing to harass me into paying a debt, they themselves have admitted in writing via the Better Business Bureau was a unfortunate mistake ( it was not a mistake, it was fraud ).
So as I start writing this complaint, and I realize the information for the Original Creditor on the XXXX is XXXX XXXX XXXX of Florida with XXXX XXXX XXXX XXXX XXXX 's address. So, I start to dig and find out XXXX XXXX XXXX of Florida was sold in XXXX, but the bill states date of service for XX/XX/XXXX. so i received a bill from a company, that stopped existing 3 years prior. But I just communicated with XXXX XXXX XXXX via the XXXX
Well, XXXX XXXX XXXX of Florida was subsidiary of XXXX XXXX XXXX in XXXX, which is a subsidiary of XXXX XXXX XXXX in Texas which is the corporate office who sold XXXX XXXX XXXX of Florida after it caught the attention of the powers that be the OIG. XXXX XXXX XXXX in XXXX is now called XXXX XXXX in XXXX just want to clarify that, they tend to take advantage of the confusion this may cause some people.
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| 03/30/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.
1 ) They have communicated after my asking them to stop via verified letter.
2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by XXXX Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX.
XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at XXXX said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that XXXX and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that Cascade Capital Funding LLC was the new owner of the debt. On XX/XX/XXXX, I called Cascade myself and asked the representative what their relationship to XXXX and XXXX was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that Cascade Capital, XXXX, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXXCascade CapitalXXXX have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.
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| 08/14/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2020, I paid an outstanding medical debt from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX XXXX indicating that I have satisfied the debt in full.
From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX credit report as of XX/XX/2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XX/XX/2020. On XXXX XXXX, another collection for the same medical debt from XXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX by XXXX XXXX XXXX.
I immediately contacted XXXX XXXX XXXX to inform them that this debt was already satisfied through another collection agency. XXXX asked me to send them proof of payment. XXXX indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from Cascade Capital Funding. I have attached documentation showing where I faxed proof of payment to XXXX XXXX on XX/XX/2020.
Now, XXXX XXXX XXXX is telling me that they can not remove the collection account until Cascade Capital Funding instructs them to do so. I've reached out to Cascade Capital Funding, who told me they have not received anything from XXXX XXXX and that I need to follow back up with XXXX to get this situation resolved. At this point, I am getting no clear answers from either Cascade or XXXX. Every time I call XXXX and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe.
All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from XXXX XXXX XXXX relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of XXXX was when I received a notification from XXXX that this account had been added to my credit report.
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| 07/20/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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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.
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| 12/07/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of XXXX, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations XXXX and what actions he or she has taken in relation to this accoun Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief.
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms.
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules.
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of XXXX and the Administration of Justice Act XXXX which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.
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| 11/12/2016 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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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.
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| 12/21/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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I received multiple calls in one day, and per the caller, I was being sent to a collection from an unknown medical visit, to which I have heard nothing about from 4 years ago. I said the debt is NOT mine and that they were harassing me by calling me multiple times. the man speaking to me threatened me and told me I was wrong. I informed them that I am protected by law for surprise billing and to contact my congressman, the man did not know what a congressman was. I questioned his authority and that he was even a legitimate citizen of this country. he belittled me by saying that President Trump, who passed this law along with my congressman, was not to be called President. I told the man I was not going to argue with him about this and that if he called me anymore and did not let this go, I will file harassment against him. I then got a letter saying it is in collection and this company is Ability recovery services, in XXXX XXXX for {$340.00} I also would like to add that if this was a real bill that belonged to me, why did it take 4 years to be brought to my attention?
Also, it says the company claiming I owe them from something 4 years ago, I have never done any business with.Why would I try to work something out with either of these companies when I don't even believe that this is my debt? I have Identity Theft affidavits on file both with my state and through the Federal level. How do I know if someone tried to falsely use my identity. Is this even a legitimate medical bill? Explain to me how Cascade Capital Funding is associated with a medical bill? I have never heard of such a place. I asked Ability Recovery to give me an itemized bill for this claim and they did not provide it to me. Who would pay a bill that sounds like some sort of extortion mafia who can not even prove that a bill belongs to me or what it is for. This reeks of FRAUD!!
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| 07/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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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.
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| 03/15/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify Cascade that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX/XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take XXXX days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.
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| 10/25/2023 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I've just learned that XXXX XXXX XXXX has gone around my back yet again to deliver more false info, this time being my address, or XXXX associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " XXXX '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt.
I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place.
These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...
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| 05/19/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I was mailed a judgement for a totaled vehicle loan debt that was sold to a collection agency. I looked up the judgement and it was closed. I received no court date and was not contacted by the company. A garnishment was issued to my employer 2 months later.im receiving government benefits. Wage garnishment is waived in this case.
Event Date Docket Entry XX/XX/2023 PROOF OF SERVICE/CERTIFICATE OF SERVICE XX/XX/2023 MATTER ORDERED STRICKEN FROM CALL No one appears. Cause comes on for return on wage deduction. On Court 's motion, matter ordered stricken from the call. XX/XX/2023 NOTICE XX/XX/2023 AFFIDAVIT XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 AFFIDAVIT XX/XX/2023 NOTICE XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 Notice OF FILING XX/XX/2023 Notice OF FILING XX/XX/2023 AFFIDAVIT XX/XX/2023 FOREIGN JUDGMENT XX/XX/2023 CONTRACT {$2500.00} - {$10000.00} XX/XX/2023 STATUTORY MAILING FULL AMOUNT XX/XX/2023 File is Closed / Dismissed XXXX, The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved. By using this service, the user agrees and understands that he or she is bound by the on-line access to Parties Offenses Financials Schedule Events Search End Important Covid-19 Related Updates : AO 21-30 Misdemeanor and Trac Zoom Protocols AO 21-36 Civil Zoom Protocols and Instructions ( If Ordered ) AO 21-38 Domestic Relations Court Zoom Protocols Family Judge Zoom Instructions XXXX , The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved . By using this service, the user agrees and understands that he or she is bound by the on-line access to
|
| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This dispute is regarding an emergency service bill.
Approximately XX/XX/2015 my niece received XXXX XXXX at XXXX XXXX. Different companies tended to her, one of which was XXXX XXXX XXXX.
I was only her emergency contact. I never consented verbally, written or otherwise to be the financial guarantor for any XXXX XXXX provided, including XXXX XXXX XXXX. I was not present when those services were rendered. As a side note, I personally got medical treatment from other hospitals because I didn't trust XXXX XXXX 's standard of care.
I filed a XXXX complaint ( ID number XXXX ) against XXXX XXXX ( who furnishes information to the other entities including XXXX XXXX XXXX ). They sent me a letter apologizing for their error. They also sent another letter acknowledging I was wrongfully billed, that the records were updated with the correct guarantor information, and assured me none of the accounts had been reported to the creditors.
More than likely, XXXX XXXX XXXX used this information to collect the debt from the correct party. None of the other services connected with the emergency room have contacted me after I received these letters from XXXX XXXX.
XXXX XXXX XXXX is fraudulently using multiple debt recovery companies to collect monies they know are not owed. Their attempt with XXXX was unsuccessful after I contacted XXXX XXXX ID number XXXX ). XXXX closed the debt account in question and contacted XXXX to have it removed from my credit report. They are now using XXXX XXXX Solutions.
Any so called evidence these companies feel they have stating I consented to this debt is fraudulent. Clearly these companies are manufacturing ways to collect and make money.
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| 10/31/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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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
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| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from XXXX on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to Cascade Capital Funding LLC. My address on this document was also recorded incorrectly. I sent XXXX an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called XXXX on XX/XX/XXXX but was informed that they could not send me any further details.
I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted XXXX again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. XXXX is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.
|
| 01/25/2024 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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How did you get my information and why are you selling it youre going to be implemented in federal suit Ive never done business with Cascade Capital funding and youve sold my information to your affiliated XXXX XXXX and XXXX down me my written consent that you have being that youre profiting off of my Hippa information causing harm and deceptive and misleading practices where did up get my information and why do you have it whats the address to your legal department Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. An account was assigned to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX by our client, Cascade Capital Funding, in the name of XXXX XXXX. On XX/XX/XXXX, we mailed a letter to XXXX XXXX which contained a validation notice to the address of record. ( Note : The address of record is the same address listed by the consumer on this complaint -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX. ) This letter was not returned as undeliverable. On XX/XX/XXXX, the account was closed and returned to Cascade Capital Funding. Also, on XX/XX/XXXX, we requested the credit reporting agencies to delete the XXXX XXXX XXXX XXXX XXXX XXXX tradeline related to the Cascade Capital Funding account from XXXX XXXX credit bureau report. Should anything further be required, please do not hesitate to contact XXXX XXXXXXXX our XXXX XXXX XXXXXXXX, at XXXX.
|
| 02/07/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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|
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.
|
| 08/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
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?
|
| 12/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
You have violated my rights as a consumer according to The Fair Debt Collection Practices Act ( FDCPA ) on multiple violations.
Violation 1 and 2 : 15 USC 1692d ( 806 ) Harassment or abuse ( 2 ) You harassed me after I stated that the alleged " debt '' did not belong to me, via email.
You harassed me after I stated that the alleged " debt '' did not belong to me, via phone.
Violation 3 and 4 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via email.
I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via phone.
Violation 5 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) ( 1 ) I informed the debt collector that it is NEVER a " good time '' to harass me about an alleged " debt ''.
According to the FDCPA, you, Cascade Capital Funding LLC, assume liability to pay individual, remedies PER violation of {$1000.00}.
Cease all alleged " debt '' collections following this communication. You do NOT have permission to contact me in regards to any alleged " debts ''. You have 3 days to remove any alleged " debts '' and respond only with violation remedies of {$5000.00} ( 15 USC 1692k ( 813 ). Civil Liability ( 2 ) ( A ) ).
|
| 02/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Approx 4 months ago, I noticed a ding on my credit score through XXXX. I pulled up an apparent debt of {$670.00}. On my report the original creditor was Indiana XXXX XXXX XXXX XXXX located in a town about 30 miles east of where I live. I knew immediately this was false since I only see doctors at the VA or through XXXX XXXX. Also the only place I have been for emergency care is through XXXX XXXX in my town. Initially, I attempted to dispute the debt through XXXX however, the debt was not removed. I then called the billing office for Indiana XXXX XXXX and they stated they have nothing on file for me even using my old last name and my current. I then called the collection agency who told me the debt was sent back to the main creditor Cascade Capital. I had to google them and the only information I saw on the collection agency based out of California were numerous complaints of Cascade Capital doing to others what they have done to me. The XXXX has over 60 complaints of similar stories also. I could find no phone number for this agency and no website. Eventually, I came across a file ( I will include said file ) stating Cascade Capitol lost their business license as of XX/XX/21. I just want this so called debt removed from my credit report and right now, I have no way of doing so. Not to mention this is a false debt.
PS-I was unable to upload anything, the upload tab is not working! I do have copies I wanted to include.
|
| 01/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Cascade Capital Funding , LLC incorrectly reported an account to my credit report. Also, they shared my personal information to third parties without my consent.
Cascade Capital Funding , LLC shared my information with XXXX XXXX XXXX XXXX XXXX. When I tried to identify/investigate the account/account number that was provided by XXXX XXXX and was listed on my credit report - XXXX XXXX XXXX COULD NOT IDENTIFY/VERIFY NOR CONFIRM THE DEBT. Therefore, XXXX XXXX XXXX XXXX XXXX sent me a physical letter in the mail ( will be uploaded in this report/complaint ) in which stated that the account was closed and deleted. This was XX/XX/XXXX.
Fast forward to XX/XX/XXXX, there is an alert from XXXX saying that XXXX XXXX XXXX reported a debt collection account, which is the same account that XXXX XXXX XXXX said would be deleted and removed from my report.
My consumer rights have been violated. This debt was not verified and was removed from my report and then added again. My information was sold/shared with a third-party without my consent. I did not receive notice of right to dispute. An investigation did not occur prior to this account being added to my credit report. And when I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX via telephone number XXXX, they informed me that they were now XXXX XXXX XXXX. Again - my personal information was shared with third-parties without my knowledge.
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently received a letter from Cascade Receivables Management that I had to pay on a debt. I never received any other letters from them with any notices about any debt and this violates my 30 day right to dispute. They are claiming that I owe money for XXXX XXXX XXXX XXXX and I have never heard of them before or been anywhere like that. This debt is not mine and they must stop and cease all collection activity.
I am now asking for validation for this debt you say I owe. I am requesting proof that I am the party responsible for this debt and that there is some contractual obligation that is binding on me to pay this debt. This is not a request for verification or proof of my mailing address but a request for validation! I ask your offices provide me with evidence that I have any legal obligation to pay you.
I will also inform you that if you offices have or continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Cascade Receivables Management I will not hesitate in bringing legal action for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I have never been to such hospital and ask you cease all collection activity. This account is not mine.
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX is reporting inaccurate and incomplete data on my XXXX and XXXX reports.
I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX.
I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX.
I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX credit report as XX/XX/XXXX.
XXXX is providing incorrect data on my reports despite several attempts to have it corrected and or deleted.
I also disputed with Cascade Capital on XX/XX/XXXX and was received by Cascade on XX/XX/XXXX. No response to date.
on XX/XX/XXXX I contacted Cascade via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested.
this seems very very shady to me. five companies associated with one account? No wonder the data is inaccurate.
|
| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XX/XX/XXXX at approximately XXXX an agent from Cascade Receivables contacted me by telephone, verified my name, told me I owed money to XXXX XXXX for approximately {$300.00} from XXXX. I proceeded to explain to her that I have two insurances and should owe nothing. I informed her that I could provide her with the insurance information and she declined stating the bill was from 4 years ago and they would not rebill. I also advised her that another debt collection agency contacted me about the same debt and I dont understand how two collection agencies can bill for the same thing. The agent then proceeds to tell me because thats the way things work and that it can bounce around. She also then states that the debt is only X amount and she has seen bills way higher and I need to just pay my debt. I told her I didnt care how much it was that I am not paying something I do not owe. The agent then tells me, I can tell you dont care because you dont pay your bills. Your son was in the hospital and you owe the bill. The call was then disconnected.
I called back to their office to complain and the agent that answered this time, after letting him know that I planned on filing a complaint, said, good and hung up.
I called back to their office again and advised this agent to mark my account as a do not call or I will file legal suit.
|
| 11/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
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.
|
| 10/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I previously contacted XXXX, Cascade Capital LLC & XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called XXXX & Cascade Capital LLC. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XX/XX/2017, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions.
XXXX Cascade Capital LLC
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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}.
|
| 05/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
O n two occasions within the past 14 months , I have had XXXX Collection Companies file default notices with XXXX Credit Bureau BEFORE EVER contacting me to advise they had been retained for claimed medical creditors. * XXXX XXXX XXXX based in XXXX TX : XX/XX/XXXX Filed directly to XXXX on behalf of XXXX XXXX XXXX . XXXX XXXX broke down the basic claim into XXXX separate filings, evidently to black mark my credit to the maximum. The only way I found out about their filing was through a gratis Credit Monitoring firm provided after their Company client records were hacked. * Cascade Capital LLC : Recently starting in XX/XX/XXXX and indirectly for the past 5 months has been harassed me as Creditor on behalf of XXXX XXXX Hospital for {$360.00}. Cascade Capital evidently owns many Credit Collections Agencies. First contact was from XXXX XXXX XXXX XXXX XXXX , PA , who failed to contact me in any way before filing their claim against me with XXXX . They never responded to my letters of XX/XX/XXXX and XX/XX/XXXX . Then last month, I received 2nd contact by mail for the same claimed creditor and dollar amount, from XXXX XXXX XXXX XXXX XXXX XXXX , IN. Finally, the link back to Cascade Capital was obvious.
|
| 07/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a motorcycle accident in XXXX and was treated in a hospital that was within my insurer 's network, but the ER doctor was not. Six months later, I received a bill for approximately {$9000.00}. I worked with the company ( XXXX XXXX ) to resolve the bill in late XXXX. In XXXX of XXXX, I was contacted by a collections agency ( XXXX XXXX XXXX ) claiming that the bill was in collections. This was posted to my credit report at the time, preventing me from engaging in my plan of buying a house. I worked with XXXX XXXX again to obtain proof that the debt was resolved. The collections agency was pleased with this proof and broke off contact. In XX/XX/XXXX, I was again contacted by another collections agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempting to collect the debt. I again provided them proof of the debt having been resolved and they disengaged. Earlier this week, I was once again contacted by a collections agency ( Cascade Receivables ) seeking to collect on this debt. It appears that, whenever I prove that I resolved my debt, the collections agency sells the debt to someone else. I feel that they are just continuing to pursue this until I give up and pay to get them off my back.
Current case with Cascade Receivables has Reference # XXXX and Reference # XXXX.
|
| 11/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX I filed two complaints against CASCADE CAPITAL , LLC. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, CASCADE CAPITAL , LLC states that " due to the repeated complaints filed by the consumer CASCADE CAPITAL , LLC is opting to close both accounts out as a refusal to pay. CASCADE CAPITAL , LLC has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XXXX, nearly 6 months later, I received the attached two letters from XXXX XXXX XXXX attempting to collect the accounts that CASCADE CAPITAL , LLC should have " closed out '', per the previous agreement. Note that CASCADE CAPITAL , LLC is named as the debt holder on both letters. According to the attached call recording, CASCADE CAPITAL , LLC had no intention on following through with this statement as the XXXX XXXX XXXX agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to XXXX XXXX XXXX despite the agreement made through the CFPB via complaint XXXX.
|
| 02/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2023 : I received a debt collection letter from XXXX XXXX XXXX and CASCADE CAPITAL FUNDING INC.
XX/XX/2023 : I mailed a letter to XXXX XXXX XXXX, CASCADE CAPITAL FUNDING INC, disputing the debt and denying that I owe it to CASCADE CAPITAL FUNDING. Also in this letter, I demanded that XXXX XXXX XXXX/CASCADE CAPITAL verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed.
2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges.
My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the debt.
|
| 03/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My husband, XXXX XXXX had a bill with XXXX XXXX XXXX of XXXX in XXXX. We received letters last year from a company and I finally disputed the charges and it was removed from our credit report.
Now this year, I received a letter from XXXX XXXX XXXXt XXXX ) asking us to pay {$170.00} and the {$290.00} debt would be resolved.
I called the Automated Voice Response system for Hospital Medicine using the Acct # XXXX and we have a {$0.00} balance.
I called XXXX and told them this debt was paid in full. The young woman on the phone said XXXX just does the collections for Cascade Capital Funding and if they close the account then the account would just be sent to another debt collection agency.
Please assist us with closing out this account at Cascade Funding so they can stop sending our information to different collection agencies. This company has about 62 complaints for similar infractions on he XXXX XXXX web-page.
Something should be done so that this company is held liable and at the very least there should be regular checkups in their system to make sure they are contacting the public about debts that have not been paid in full. It should be their responsibility.
Thank you!
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I sent a debt verification letter to the company working on their behalf ( XXXX XXXX XXXX ) on XX/XX/2023 that was never responded to! I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. It claims it was opened in XXXXXXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS.
The validation letter was sent to an address in MARYLAND which is not my address, not to my home in GEORGIA where I was a permanent resident. THIS IS ILLEGAL ON BEHALF OF CASCADE CAPITAL FUNDING , LLC.
Where is the itemized bill? The PROOF that this debt is mine? The LEGAL right to dispute? THIS IS ILLEGAL.
|
| 12/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a payment arrangement in XXXX for a medical debt with XXXX XXXX XXXX in XXXX, TX. All payments were made as agreed. About a year ago I received an alert about a delinquent account on my credit report. The account is owned by Cascade Receivables ; the hospital is now conveniently out of business. I called the agency, XXXX XXXX in XXXX, Texas, made clear the debt had been paid, and demanded validation of the debt, including all invoices. They never replied. A few months later I got a call from a DIFFERENT collection agency about the same debt ; one conversation with them and they got the message. Now, this morning, I get a text message from a THIRD COLLECTION AGENCY ABOUT THE SAME ALLEGED DEBT. I called Cascade Receivables after I spoke to them and the " gentleman '' who answered the phone REFUSED TO ACKNOWLEDGE IF I WAS CALLING CASCADE RECEIVABLES.
As I previously demanded debt validation from two agencies, one of whom was XXXX XXXX in XXXX, TX, which was not provided, Cascade Receivables should not be allowed to continue harassing me with a different collection agency every few months about the same account. This is completely unfair and possibly illegal.
|
| 01/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by XXXX XXXX XXXX over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.
I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it.
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred.
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license.
I told them that I dispute the debt.
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything!
They refuse to show the collections reported to the bureaus as being in dispute.
|
| 10/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
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.
|
| 09/30/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX has stated that I XXXX XXXX a natural person owes an alleged debt.
Cascade Capital stated this as well. I've asked this Corporation to provide me with XXXX proof of alleged debt by requesting the XXXX XXXX, XXXX, and the wet ink signature between myself and XXXX CONSUMERS. XXXX provided a voided contract along with the payment receipt and a response stating that CASCADE CAPITAL IS NOW THE ORIGINAL CREDITOR OF alleged debt. How can this CORPERATION be the ORIGINAL creditor when in fact I am the Original CREDITOR. CASCADE CAPITAL IS ALSO trying to collect US currencies on a zeroed-out debt that has been paid in full due to sending a XXXX to the IRS. Both CORPERATIONS are in VIOLATION of 15 USC 1692b ( 2 ) due to not ever doing business in neither area ( XXXX ) They are in violation of 15 USC 1692k ( a ) due to me struggling and not being able to purchase a vehicle or a home due to reporting alleged debt on my CONSUMER Report.
CASCADE CAPITAL has yet to provide me proof that they are original creditor. Cascade stated they would send Validation in the mail. I still have not received it.
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
Hi, I was contacted in XX/XX/XXXX by XXXX XXXX XXXX regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from XXXX XXXX XXXX for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.
|
| 02/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
The medical institution is Code 3 ER which closed during the pandemic. I have filed multiple complaints with the XXXX ( if you look at the XXXX website for this organization you will see multiple complaints just like mine ) and other organizations, like the local state departments where it was located in XXXX, because there was no phone number, email, social media account, or way to contact the company about anything and I was on a payment plan which I have proof of but there was no way to get an updated statement. Then Cascade Receivables Management LLC sent me a letter XX/XX/XXXX so I sent a dispute letter certified mail within days of receiving that letter. I then saw on my credit report that a XXXX XXXX XXXX reported it on my XXXX credit report XX/XX/XXXX. They had reported it to the credit bureau before it was validated which I read was against the Fair Reporting Act and I heard no response to my dispute letter. I just now ( XX/XX/XXXX ) received a bill statement from Cascade Receivables Management LLC that is a different amount then the amount on my credit report.
|
| 12/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This is a record of my transactions with Cascade receivables managment LLC.
In XXXX of XXXX I received a letter from Cascade claiming I owed a debt to them for a medical procedure I had back in XXXX. I contacted them by phone and spoke with them. I explained that I was sure I had paid the balance down to nothing. I then looked through old receipts until I found a screen shot that showed the account no in question had been paid in full. The screen shot is from almost a year after I had the medical service which corresponds to the fact that I had been making payments on that account until I had paid it off. I provided a copy of this to them in an email sent to one of the managers that works for Cascade.The email was dated XXXX XXXX. They never provided any response. On XXXX XXXX they called and acted as if I had not been in touch with them. They were attempting to collect the debt all over again and asked for payment. Cascade has not been able to provide any official record of the debt, and are asking for payment on an account that I can prove has a XXXX balance.
|
| 08/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
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.
|
| 08/13/2022 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear CFPB I was in the process of repairing my credit. I updated my address on my report, and I got this letter from XXXX XXXXXXXX XXXX on behalf of Cascade Capital. It says I owed {$790.00}. I have no problem paying anything I genuinely owe. But on the letter, there was no original creditor. So I disputed the collection notice on XX/XX/XXXX, by mail. XXXX XXXX failed to respond. They just told me it was a " medical bill '' when I called and asked. So fast-forward to XX/XX/XXXX, I get a call while I'm at work from a collection company named " XXXX XXXX XXXX on behalf of their client Cascade Capital XXXX saying I owe {$790.00} from XX/XX/XXXX again, no notice in the mail. They told me to protect my credit and how I would make the payment. I asked who the original creditor I was told it was from urgent care, no name, then they left me on hold and never returned to the phone. I called back they hung up in my face. I was able to talk to a lady when I called back a 3rd time to get a collections account #.
|
| 05/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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.
|
| 04/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to Cascade Financial who is attempting to collect through XXXX XXXX. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.
|
| 04/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My name is XXXX XXXX.
I visited XXXX XXXX XXXX XXXX on XX/XX/2015 to get XXXX on my XXXX in the ER.
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, XXXX XXXX XXXX from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.
|
| 08/11/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA. After the complaint was submitted, the Company, Cascade Capital Funding LLC corresponded by pointing fingers at who released my medical records to them, a third party. When, in this same case, the same letter, from Cascade Capital Funding, had my medical records inside. The letter sent to me did not have documents bearing my signature that I gave the authorization to release my medical records to third-party contractors. This is the first, failure to validate, and it is a direct violation of HIPPA. In conclusion, this HAS to come off of my medical records, immediately. All parties involved has to delete this from my credit account.
|
| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my diagnosis codes and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my diagnosis codes / personal medical information.
|
| 09/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX sent a debt of {$470.00} to XXXX XXXX XXXX XXXX. in XX/XX/XXXX. XXXX XXXX XXXX XXXX used XXXX XXXX for debt collection.
I paid this debt in full ( {$470.00} ) in XX/XX/XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XX/XX/XXXX and I sent proof of payment ( bank statement copy ) in writing in XX/XX/XXXX. In XX/XX/XXXX, I received a call from Cascade Capital LLC XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt.
My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XX/XX/XXXX.
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CASCADE CAPITAL FUNDING , LLC IS STATING THAT I OWE THEM {$640.00}. Which I do not I dont have any account with them I already filed a dispute with them about them account and told them to cease and desist on this account. They have not provided any documentation with my wet signature that I have anything to do with them. Now as a consumer Iknow I have a right to privacy. In they are breaking countless of law of the FCRA and FTC AND HIPPA LAWS I WILL BE FORCE TO BE SEEKING Remedies from this laws because they are causing damage to my character as a consumer and cause me and my family a nervous break down. I had to check in with the doctor for this problem. They told me see my lawyer about the situation so I did so now I know about the laws they are breaking from my lawyer its a up to a 1000 per valuation me and my lawyer will be coming for this company. So ima telling you again cease and desist.
|
| 06/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A request for verification/validation was made approximately XX/XX/2020. Consumer received nothing until approximately XX/XX/2020 by first class mail. Not only was the information received late, the information provided failed to include the address of the alleged original creditor. In addition, very personal information was included such as the last four of my social security number and my full date of birth. This information is used in personal transactions to identify myself ( personal identifying information ) and should have been masked to prevent abuse and misuse if the wrong party received it, which could be detrimental in almost every area of my life. Also, it appears that there was a violation of HIPPA laws. My right to privacy has been violated and XXXX and Cascade Capital , LLC, failed to take necessary steps to protect information deemed personal.
|
| 10/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
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.
|
| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
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.
|
| 02/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection letter from Cascade Capital Funding , LLC in XXXX of XXXX dated XX/XX/XXXX for my visit to XXXXXXXX XXXX Hospital on XX/XX/XXXX in the amount of {$1700.00}.
My health insurance was with XXXX XXXX at that time. I contacted XXXX XXXX and was provided the following information for that date of service. The amount was {$1300.00} not {$1700.00}. The contracted amount with XXXXXXXX XXXX Hospital was for {$120.00}, the amount paid by XXXX was {$120.00} and the patient 's amount to paid by me ( the patient ) was {$0.00}.
Additionally, I believe this is a fraudulent attempt to collect on the behave of XXXXXXXX XXXX Hospital, ( who has been closed for nearly a year to date ). I never received a billed from XXXXXXXX XXXX Hospital prior to its closing for any of its services, since did have insurance.
|
| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
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.
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was seen in the emergency room XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided my Insurance Information which is XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I never received anything concerning this bill until I got a letter from cascade management a collection agency saying that I was in collections. The XXXX Billing company, XXXX XXXX XXXXXXXX XXXX XXXX never billed my insurance company or submitted it to the wrong carrier because my insurance company has no record of the claim. I was able to get the billing to resubmit the claim and my insurance company denied it because it was not billed in a timely fashion. I told the collection agency this and asked them to remove me from collections. They refuse and continue to call my home and send me letters.
|
| 10/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It has come to my attention that Ive been waiting longer then 30 days to receive the validation that Cascade Capital llc claimed they would mail me. Ive given them more than enough time to produce the validation of said debt. Today marks 46 days since Ive asked for the validation. ( See cfpb complaint number XXXX ) It also has come to my attention that Cascade Capital llc does not have a license to collect debt in the state of Arkansas.
This Corporation has violated my rights as a consumer. Stolen my identity and has the nerve to try to collect from an alleged debt. This corporation continuously reported the alleged debt on my consumer report willingly and knowingly despite not being licensed in the state of Arkansas to collect a debt. See attached documentation below.
|
| 06/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have already sent this company a letter to validate this claim that I have any contract with them. The company did not provide any information staying that I have any contract with them. So they has deleted this account from my consumer report. Also this company has many names that go by trying to be confusing to consumers that wrote me again try to collect on a debt that I do not owe to them. They are breaking the laws of the CFPB/FTC I have a right to privacy as well as a consumer. I also sent the a cease and desist letter and they still decided to break the laws by contacting me about debt I do not owe them I have no contract with them I will sue them if they decide to keep this up its a XXXX per volition. I will go to small clams court and get Remedy.
|
| 03/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Please reference complaint ID XXXX. It has been closed by the company. Though it did provide additional information it is without resolution so I am trying to get clarification as to my knowledge XXXX has closed and has no direct way to reach them. The last email I was able to receive regarding my bill from XXXX in XX/XX/2019 stated the physician claim was billed incorrectly and was being appealed. Afterwards I only received a facility fee bill and have never received any bills about a physician fee. I contacted XXXX today to get clarification on the physician portion as I no longer have access to the claims since they are over 24 months. They also stated the physician fees was processed incorrectly so they will be refiling which can take up to 30 days.
|
| 03/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received documents yesterday in the mail, after having been contacted by phone earlier in the week by XXXX. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone.
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.
|
| 08/17/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is in regard to XXXX XXXX XXXX phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from Cascade before they take it off my credit but I spoke to cascade and they gave me the documentation that is needed as it was settled in full by my insurance company and that XXXX XXXX XXXX has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place.
What I demanding right now is that the company delete this account/report immediately within 4 days.
|
| 02/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter from this company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Stating that I still owed a debt to XXXX XXXX XXXX, XXXX in the amount of {$50.00}.
I sent them an email on XX/XX/XXXX stating that I had paid this debt back in XXXX of XXXX. I received a response email from this person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX ext. XXXX XXXX on XX/XX/XXXX asking if I could provide proof, which I did in my email back to him on XX/XX/XXXX. He then went and reported the debt as open to the credit bureau 's on XX/XX/XXXX, even though I had already provided proof of this debt being paid two years ago! I'm asking CFPB to help close out this fraudulent claim. Thank you!
|
| 03/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received this bill today ( XX/XX/20 ), but I received notification through your site earlier this week that Cascade had closed something out, with no explanation of what it was. Therefore, I'm reporting this in case it's something different. However, the issue is the same as I reported a couple of weeks ago with XXXX XXXX XXXX XXXX. They're saying I owe this money, but it's been nearly three years, and, until today, I didn't know anything about it. I never received an initial bill nor any follow-up past-due notices. As far as I'm concerned, I do not owe this as I paid my portion of any and all bills I received from other organizations during the months following my hospital stay. Please verify that this is closed. Thank you.
|
| 11/02/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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!!
|
| 01/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Got two calls from XXXX XXXX XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices.
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this.
This company I called back and they said they were collecting for cascade Capitol LLC.
There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt
|
| 10/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid my individual portion prior to XXXX in 2XXXX, and have proof of this attached. Fast-forward XXXX XXXX years later, I am just receiving a first statement from a company collecting debt on behalf of the physician, XXXX XXXX XXXX and a XXXX center that has gone under, and is no longer in business. I spoke with the debt collection company to let them know that this was not my debt and that my portion was paid in full prior to XXXX. My insurance company also pay their portion, {$47000.00}. I spoke with XXXX XXXX office and received confirmation from his practice manager that I owed XXXX dollars. I am tired of the harassing letters and a threat to impact my credit with this false debt.
|
| 06/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received notice from XXXX XXXX XXXX, XXXX that I owed XXXX on XX/XX/XXXX. Notice was dated XX/XX/XXXX. Creditor named was Cascade Capital Funding , LLC. Received no prior communication from Cascade Capital Funding , LLC and was entirely unaware that they were attempting to collect debt. XXXX XXXX XXXX , XXXX claimed it was from services rendered XX/XX/XXXX by XXXX Hospital ( XXXX XXXX XXXX, XXXX XXXX, IA XXXX ).
Received bill for this hospital visit XX/XX/XXXX. Confirmed with XXXX through XXXX XXXX on XX/XX/XXXX that the bill was paid in full as of XX/XX/XXXX.
Filed additional complaint against XXXX XXXX XXXX, XXXX on XX/XX/XXXX as I am not sure who is committing the fraud.
|
| 07/23/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
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??
|
| 04/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent a debt validation to the creditor XXXX XXXX XXXX to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called Cascade Capital LLC. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.
|
| 12/15/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Cascade continues to harass me by selling a disputed debt ( XXXX ) to other debt collection companies, since XX/XX/XXXX, which includes XXXX, XXXX, XXXX XXXX, and most recently XXXX. ( see attachment of all disputes made to CFPB and the AG ) {$960.00} - XX/XX/XXXX All companies Cascade has hired were put on notice by several regulatory agencies including the CFPB/OCC/XXXX about my dispute and the lack of information provided as I do not owe on this debt.
All have reported back to Cascade - including the 3 CBR companies -but I am continued to be harassed and harmed by their lack of evidence AND their failure to comply with the dispute and the regulatory agencies.
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
CASCADE CAPITAL you are in violation of 15 USC 1692G due to not VALIDATING THE ALLEGED DEBT.
CASCADE CAPITAL I respectfully request that your company provides me with competent evidence.
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws.
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT
|
| 04/04/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
A new debt popped up on my credit reportXX/XX/XXXXas a new debt. I had no idea of this debt so I contacted the collection agency. I was informed that this debt was for my daughter and was from XX/XX/XXXX. I never received any form of letters to dispute of solve the issue prior to XX/XX/XXXX. Under the FCRA the silent treatment is illegal. They reported this as a new debt. Its falsely reported as new account activity. The Fair Credit Reporting Act requires CRA to maintain an accurate file of your credit information. By lying about the age of the account is or the date of any delinquency, the debt buyer or collection agency violates the FCRA.
|
| 09/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I reported Cascade Receivables Management to you earlier this year about debt they're trying to collect on behalf of XXXX XXXX XXXX XXXX. At that time, I was told that they had discharged the debt from my accounts since I'd never received any bills or past-due notices for these hospital charges. Once again this weekend, I received yet another attempt from them to collect more debt, which is more than three years after I was hospitalized. So, this is abuse in my opinion, and I would appreciate your taking action to make them CEASE and DESIST any and all collection attempts for anyone related to the XXXX XXXX XXXX. Thank you.
|
| 11/03/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I Received A Letter From Cascade Capital LLC, Dated XX/XX/XXXX ... .Stating My Account Has Been Assigned To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report On XX/XX/XXXXThey Had Added This Account To My Credit Report. I Have Never Had An Account With This Collection Agecies Listed ... The Account They Are Noted Was Last Reported In XX/XX/XXXXAnd They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.
|
| 07/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
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.
|
| 09/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 11/03/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Around XX/XX/XXXX, I was contacted by a debt collector from XXXX XXXX his name was XXXX XXXX. Said I had debt for a medical bill for my daughter from a XXXX visit, in the amount of {$610.00} He asked for my card # i said I wouldn't give any payment over the phone, I'll be happy to send via XXXX XXXX through my Bank. He gave me account ending XXXX and send to XXXX, XXXX XXXX XXXX, XXXX, MO XXXX. I paid it off by XX/XX/XXXX. On XX/XX/XXXX I received a bill for the same hospital visit in the amount of {$760.00}. I feel like I'm being scammed. The bill also says XXXX XXXX XXXX XXXX as XXXX XXXX
|
| 02/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Reference # : XXXX XX/XX/XXXX Amount in Dispute {$1000.00} Originator : Hospitalist Medicine Physicians of California In XXXX I had XXXX XXXX XXXX. All medical bills including this XXXX were paid by XXXX Parts XXXX and XXXX plus XXXX XXXX XXXX through XXXX XXXX Plan which this bill originated from XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX that same year. Both locations are in XXXX, California XXXX. I have not heard of any further bills I owe to any hospital and now XXXX years later I get a bill from Cascade Receivables Management LLC.
|
| 07/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This just appeared on my credit today. I never received a written notification of the debt to dispute. The company is collecting a debt I do not have a balance for with XXXX XXXX as they have confirmed this. Also this company is re-aging to make it seem current this was from XXXX.
For a XXXX visit and XXXX XXXX said insurance paid my bill I do not have a balance due for XXXX XXXX XXXX. Also this is the second time a fraud company has tried to collect this same XXXX balance debt. I contacted a lawyer and they said this company is a scam and to report them to the fbi.
|
| 08/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX or XXXX XXXX back in the day! Please take it down of my credit always I send police report
|
| 04/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no XXXX can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.
|
| 06/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( XXXX XXXX XXXX XXXX ) is unreachable, as well as the alleged original creditor ( CASCADE CAPITAL LLC ). I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX ( less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.
|
| 12/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
This appears to be an emergency room visit back on XX/XX/2018. I have repeatedly contacted the hospital accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the hospital it was paid, then told it is for the physicians. Now I have no idea if this is legitimate or a scam.
Today, my wife received a text message demanding payment, she has nothing to do with this issue.
|
| 11/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Cascade Capital LLC just lied to me and tried to get money from a person with mental disorders. I am on XXXX this company is in Texas she claimed I was not included in the XXXX $ lawsuit fraudulent tried to get something out of. I am getting my attorney know 1 for lying and taking advantage of a XXXX citizen in the Great usa. Lol The terms were terrible with XXXX XXXX back in XXXX I had the car repoed XXXX XXXX XXXX in in XXXX I spoke with XXXX and said I should receive my post card soon. That is pure and under Trump.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 03/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a letter from XXXX today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.
|
| 08/20/2018 |
No |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
On or about XX/XX/18 I make a cease and decease letter to Cascade Capital , LLC XXXX XXXX XXXX XXXX XXXX , XXXX and to XXXX XXXX XXXX, XXXX in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe Cascade Capital , LLC anything they brought this debt and my account with XXXX is closed.
Can you please assist me further with this matter.
|
| 09/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a summons that I will be in court from Cascade Capital LLC. I had bought a car in XXXX, was XXXX through the government and put on XXXX, and had to give the car back. Now it's XXXX I'm going through a divorce, I '' ve not heard anything about this, Cascade is not on my credit report, the XXXX loan says I owe nothing on my credit, and I am trying to work because Im help paying for a lawyer, and my husband sold my car, so I'm trying to get a car. I've had to quit two jobs already.
|
| 01/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them.
The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge.
A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}
|
| 05/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from XXXX XXXX XXXX attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.
|
| 02/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a letter in the mail from XXXX XXXX XXXX saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my jaw in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?
|
| 03/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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.
|
| 07/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My husband spoke as a representative to XXXX at XXXX XXXX XXXX where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.
|
| 02/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
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.
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back in 2007, I got a payday loan, at XXXX, in XXXX, Indiana, I paided all the installments, except for one, so they reported me to an debt agency, so ever since I didn't pay the loan last installment, I couldn't get a loan, so two years ago I paided the balance of my debt off, of {$85.00}, through my bank account, etc ... .... & Now still to this day I can't get a payday loan, because the debt agency, of XXXX, haven't fix the problem.
|
| 11/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
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.
|
| 08/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a repossessed car with XXXX XXXX that was sold over to cascade. I paid cascade the amount and was promised that it would be reported as paid in full ; it was reported negatively that sent the account to collections on my credit and reported it late once again Ive called both companies. Just to get a we cant help you. The account was paid XX/XX/2018 for {$3000.00}. I receive a paid in full letter.
|
| 07/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
this collector has been calling everyday, i was told my medical bill was paid for by my XXXX insurance should have paid for it, but later, they submitted 2 derogatory remarks on credit report. So, i paid XXXX for settlement, but i was told the medical insurance paid for it. but i dont need any of this on my credit report. i would really like for them to refund me my XXXX if my insurance paid for it.
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I pulled my XXXX Credit Report and noticed an inquiry from Cascade Capital , LLC who is a debt collector. They had no permissible purpose to obtain my credit report under FCRA. According to XXXX XXXX XXXX ( r ) ( XXXX ) the term " account '' is defined as having the same meaning as in section XXXX. I have never initiated any credit transaction with Cascade Capital nor had an " account '' with them.
|
| 05/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XXXX XXXX XXXX charged off a voluntary repossession on XXXX , closed the account on XXXX . They sold the note to Cascade Capitol, LLC in XXXX , FRAUDULENTLY showing a payment as having been made in XXXX in order to re-open the account. There was NO payment made. The y ( Cascade ) began reporting late on our credit starting XXXX , continuing to present date.
|
| 02/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I transfered over my vehicle to someone else. In trying to get the title. The lien was on the title for the company XXXX XXXX which went bankrupt in 2010 and they transferred the paper to XXXX in attempt to contact them they transferred the paper to Cascade XXXX but when the person I transferred the vehicle to tried to contact them they wont give any information.
|
| 07/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 10/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
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}.
|
| 04/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was on XXXX XXXX in the XXXX XXXX at the time I incurred the debt, by being taken to the emergency room. This was XX/XX/2012. My XXXX should have covered it. Nonetheless I did pay the {$480.00} some years later to XXXX XXXX XXXX XXXX The amount incurred or being attempted to collect is {$480.00}.
|
| 11/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX I settled a medical debt with XXXX XXXX for service that was rendered XX/XX/XXXX.
Today, I spoke to XXXX XXXX from XXXX XXXX who told me I owed another bill from the same creditor but with a different amount and account number. This is the first time I've heard about this new account.
|
| 06/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX was stuck in door on XX/XX/2021 from Cascade Capital , Llc. on a debt that was purchased from XXXX XXXX XXXX XXXX. The amount being sued for is XXXX. The statute of limitations in Louisiana to collect a debt is 3 years. Signed contract and promissory note of debt owed to Cascade Capital Llc.
|
| 01/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
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.
|
| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA.
|
| 09/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The account was reported on XXXX on XX/XX/XXXX. On XX/XX/XXXX I paid the account in full under the verbal agreement that it would be removed from my account.
It has been over 2 months and they have not updated this paid status to any of the credit bureaus.
|
| 12/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Cascade has done tons of collection with me and knew my new address but sent me to ability ( whom I paying ) with no notice to me. I called them asking about debt XXXX question and was told they didnt see it. Now its at ability and on my credit.
|
| 12/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I received a statement on an account that has been charged off. This is a time-barred account that should not be billed to me. This collection company has billed me before and was told this is a time-barred account and to not contact me again.
|
| 02/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
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}.
|
| 07/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Cascade Capital bought my defaulted loan from XXXX. The Statute of limitations in Florida is 5 years. The loan was sold to Cascade XX/XX/2015. Cascade refuses to take this off my credit report.
|
| 09/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 05/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company is verifying information that doesn't exist. The address that theybare using doesn't exist. If you would research, you will find this to be accurate.
|
| 10/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never use this company Cascade Capital Funding LLC before. I have no reason to use this company. I don't know how they got my name. But never use them at all.
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} XXXX
|
| 07/21/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Asked company to file 1099C due to the financial and emotional problems I am having as a result of COVID 19. The company has not bothered to respond.
|
| 03/27/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company is trying to get money for an account that I paid in full 2 years ago. Money was collected through XXXX XXXX company.
|
| 11/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account sold to third party from XXXX XXXX and now it shows incorrect information regarding balance and last payment date.
|
| 02/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
ON XX/XX/2022 I GOT A LETTER IN THE MAIL FROM CASCADE CAPITAL FUNDING ABOUT A DEBT THAT I OWED AND I HAVE NO KNOWLEDGE OF
|
| 03/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I don't have a account number. Just a letter stating that i am named a Defendant in a lawsuit.
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
this company continues to call my cell number but i do not owe anyone!
|
| 04/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was wrote off, Time barred Debt.
|
| 01/18/2024 |
No |
- Debt or credit management
- Debt settlement
|
- Unauthorized withdrawals or charges
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 10/14/2023 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Servicemember |
|
|
| 08/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/21/2022 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/26/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/10/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 03/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Fax |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/08/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 11/24/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 07/25/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 07/13/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/23/2019 |
No |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 10/30/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 04/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 03/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/18/2017 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/16/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 07/26/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 05/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/10/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 12/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/09/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 01/14/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 12/10/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 05/28/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 03/31/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 03/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 02/19/2015 |
No |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
Older American |
|
|
| 11/06/2014 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 11/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 08/20/2014 |
No |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Referral |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 02/13/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
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Web |
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| 11/02/2013 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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