Cascade Capital, LLC

I received a letter stating that I owe $from and er visitThe $was not the original amount, it was an amount placed by a debt collection agencyOn july 23, I paid the remaining balance directly to the hospital and now the account is no longer open

Initial Business Response /* (1000, 5, 2015/08/11) */
Contact Name and Title: [redacted] Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@cascadereceivables.com
Dear Mr. [redacted].
Cascade Capital, LLC is a passive [redacted] buyer and conducts business as such. CSC purchased a...

Santandar Consumer USA account, listing [redacted] as the secondary on the auto loan. The balance at the time of purchase was $6,376.43. Both consumers on this loan received letters concerning the account is question. Based on your wishes to have the account recalled from Stoneleigh, CSC has done just that and placed the account as a cease and desist. You will receive no more contact from Stoneleigh Recovery Associates.
Should have any questions please feel free to contact me directly at XXX-XXX-XXXX or toll free at XXX-XXX-XXXX. Thank you.
[redacted]
Compliance
Cascade Capital, LLC (CSC)
Initial Consumer Rebuttal /* (3000, 7, 2015/08/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hello,
That is all fine and well. However, I feel that given my circumstance, I should not be pursued any further and the account should be closed and the balance dissolved. I'm not OK with this getting sent to yet another collection company later.
1. I was never in ownership or possession of the vehicle, and obtained no benefit from its purchase.
2. The dealer (CarMax) acting as an agent of [redacted] (by means of pushing ONLY their loans) acted in bad faith during the contract process. They failed to adequately explain what my liability would be by co-signing on this loan. While I have since learned what that entails, if I had known the full possible ramifications at the time, I would not have signed the contract at all. I was wholly unaware that a vehicle I never possessed nor drove could appear on my credit report as a repossession or have collections agencies come after me.
3. The same dealer also failed to honor their own returns program. There were numerous mechanical defects with the vehicle. We were offered a 7-day warranty for major issues to be repaired by CarMax and/or the opportunity to return the vehicle. CarMax refused to honor their return provision (which would have nullified the loan), and intentionally delayed repairing the vehicle until after the warranty period expired to avoid repairing the vehicle.
4. [redacted] has acted in bad faith, and also refused to correct an error on our credit reports (myself and the primary). Here's the story. Based on information, the primary ceased payments due to job loss. Unfortunately, the primary didn't notify me that he was unable to make payment and I lived in a different city so we did not see each other frequently. My first notice that payment wasn't received was when I received a call from a repossession agent asking me where the vehicle was (and I didn't know the answer, either). [redacted] had my contact information but never once called me to request payment, notify me of a delinquency, or provide me the right to cure. As of when the repo agent called, it was too late to cure and when I called [redacted] myself, they were unwilling to cooperate. I called the primary and advised him of the call I received, and convinced him to surrender the vehicle voluntarily. He and I worked with [redacted]'s agents and they picked up the vehicle due to the voluntary surrender. [redacted] refused to update our credit reports with a "Voluntary Surrender" flag instead of a "Repossession" flag, and still refuses to do so to this date.
I will be more than happy to send this in a written letter to your firm if required. However, I request that given the bad faith acts by the original lender and their agents/dealers, that this debt should be dissolved. We tried to return the vehicle due to the mechanical problems, the primary tried to work with the lender regarding payment, and in my individual case neither the lender nor primary ever notified me of a delinquency.
If you must call me to discuss, you may reach me at XXX-XXX-XXXX. If I am unavailable, please leave a detailed message (I grant permission per FDCPA to leave said message). I can also be reached by postal mail at XXXXX [redacted] XXXXX.
Thank you
[redacted]

Cascade Capital, LLC (CSC) is a passive debt buyer and conducts business as such. CSC purchases distressed, charged off consumer accounts from creditors. CSC does not actively collect on accounts it purchases but outsources the accounts to licensed and bonded collection agencies or Law...

Firms.
Cascade Capital, LLC takes consumer complaints very seriously and strives to respond to each complaint in a timely manner.
Given the brevity of information in this complaint, Cascade Capital, LLC is unable to locate this consumer's account. We searched by address, email address, phone number, zip code, & city. A search of the name turned up numerous accounts but there was no correlating information to definitively identify the account.
If the consumer can provide additional information so that we can identify the account in question Cascade Ca[ital, LLC will be able to assist in resolving this complaint
If you have any questions, please do not hesitate to contact us at [redacted]
 
Sincerly, 
[redacted]

Initial Business Response /* (1000, 6, 2015/10/26) */
Contact Name and Title: [redacted] Compliance A
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@cascadereceivables.com
Ms. [redacted],
Cascade Capital, LLC (CSC) is a passive [redacted] buyer and conducts business as such. CSC does not do...

any collections. All collection efforts are outsourced to licensed and bond collection agencies.
CSC has requested the records from the St. Lucie Emergency Group and once received, they will be mailed to you at your attention. Dynamic Recovery Solutions has put all collections on hold until media can be provided.
You stated you had paid one of these bills and half of another? If so, could you please provide proof so we can get this moving forward quickly for you?
Thank you. You may contact me, [redacted] at any time and I would be happy to help you. My contact information is below.
[redacted]
Compliance Analyst
Direct (XXX) XXX-XXXX
Toll Free (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (2000, 8, 2015/10/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I AM ACCEPTING THIS RESPONSE BECAUSE THIS COMPANY IS WORKING TO HELP SOLVE THE ISSUES AT HAND

Initial Business Response /* (1000, 5, 2015/05/05) */
Contact Name and Title: [redacted] Compliance
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@cascadereceivables.com
Dear Ms. [redacted],
Cascade Capital, LLC (CSC) is a passive [redacted] buyer and conducts business as such. CSC...

purchased a Fingerhut Account, listing the obligor as [redacted]. That account was purchased from Jefferson Capital Systems, LLC on December 31, 2013. The balance, at the time of purchase was $1,188.89.
Based solely upon the dispute raised in your Revdex.com Complaint dated May 1, 2015 to CSC, we have recalled the account from Dynamic Recovery Solutions, LLC and closed the account. This account will not be sold or transferred. This account was not reported to any credit reporting agency by CSC.
Should you have any questions please contact me directly at (XXX) XXX-XXXX or toll free at (XXX) XXX-XXXX.

Thank you,
[redacted]
Compliance Analyst
Cascade Receivables Management, LLC
[redacted] Circle, Suite [redacted]
[redacted] XXXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/05/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Since I cannot get a hold of [redacted] to ask if the balance has been dissolved, maybe you can find out. I want the balance gone. I have not purchased anything from there. I will not be happy until the balance is dissolved and I don't have to worry about getting any letters or calls for it . I want proof in a written letter that it has been dissolved. Thank you, [redacted]
Final Business Response /* (4000, 11, 2015/06/09) */
[redacted]Document Attached[redacted]
Ms. [redacted],
As I stated in my previous response this account has been closed. It will not be sold or transferred to any other company. I will attach a copy of the letter stating that on Cascade Capital, LLC letterhead. Please keep this for your records. As stated in the letter as well this account was NOT reported to your credit. Cascade Capital, LLC does not report to any of the credit reporting agencies. You stated you cannot get a hold of me personally? I have not received a voicemail from you requesting a call back so if I miss the call there is no way for me to know to call you back. If you would like to talk I am more then available. Our hours are 8:30am - 5:00pm PST. You may call me directly at XXX-XXX-XXXX or toll free at XXX-XXX-XXXX. If you call the toll free line make sure to ask for [redacted]. If there is anything else I can help you with please let me know. Again, we apologize for inconvenience this may have caused. I look forward to hearing from you.
Thank you,
[redacted], Cascade Capital, LLC.

To Whom It May Concern,
Regarding Revdex.com Complaint # [redacted]
 
Cascade Capital, LLC (CSC) has received notice of the complaint filed by the above referenced consumer. CSC takes all consumer complaints seriously and strives to resolve all complaints in a quick and efficient...

manner.
CSC initiated an investigation as to the issues raised in this complaint.  The result of the investigation is as follows:
·         Cascade Capital, LLC purchased a portfolio of outstanding, charged off consumer accounts from ApolloMD Business Services, LLC. on July 17, 2017. Within this portfolio is an account from Carlisle Physician Services, LLC with an outstanding balance owed of $1,082.00 under the name [redacted]
·         The account was placed for collection with Phoenix Financial Solutions, LLC on August 8, 2017
·         The consumer contacted Cascade on August 25, 2017 to verify if Phoenix Financial is a legitimate agency and to request verification of the debt.
·          The consumer was informed that Cascade did indeed place the account with Phoenix and that Cascade would forward the verification to her through Phoenix.
·         Verification of the debt has been requested and the account is currently placed in a HOLD status until the verification is received and forwarded to the consumer.
·         Cascade has no knowledge of any payments made on this account prior to its sale. The file lists $0.00 as the payment amount and the balance sold is the same as the incident amount, $1082.00.
The consumer states in her complaint that the account has been paid off. Cascade is unaware of any payment(s) on this account. If the consumer will forward copies of any payment receipt(s) we can investigate further.
If you have any further questions or concerns, please do not hesitate to contact me.
Cordially,
 
[redacted] \ Compliance Analyst-CCCO

Initial Business Response /* (1000, 5, 2015/08/31) */
Contact Name and Title: [redacted] Compliance A
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@cascadereceivables.com
Mr. [redacted] August 31, 2015
[redacted] Ave Apt **
[redacted] CA XXXXX
Dear Mr. [redacted]...

[redacted],
Cascade Capital, LLC (CSC) is a passive [redacted] buyer and conducts business as such. CSC purchased a Perimeter Credit Account, listing the obligor as [redacted]. That account was purchased from Jefferson Capital Systems, LLC on December 31, 2013. The balance, at the time of purchase was $1,482.22.
Based solely upon the dispute raised in your Revdex.com Complaint dated August 19, 2015 to CSC, we have recalled the account from Dynamic Recovery Solutions, LLC and closed the account. This account will not be sold or transferred. This account was not reported to any credit reporting agency by CSC.
Should you have any questions please contact me directly at (XXX) XXX-XXXX or toll free at (XXX) XXX-XXXX.

Thank you,
[redacted]
Compliance Analyst
Cascade Receivables Management, LLC
[redacted] XXXXX

Initial Business Response /* (1000, 5, 2015/12/08) */
Contact Name and Title: [redacted] Compliance A
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@cascadereceivables.com
Dear Mr. [redacted],
Cascade Capital, LLC (CSC) is a passive [redacted] buyer. At no time does CSC conduct any collection...

services. It outsources all collection efforts to licensed and bonded collection agencies.
This account was placed with Dynamic Recovery Solutions (DRS) for collections. Back in November DRS received a dispute from you and requested the original documents be sent to you. On November 25 CSC was notified by the original creditor that they did not have any documents on file to validate the debt. At that time CSC recalled the account from DRS and closed the account. This account will not be sold or transferred to another agency.
If you have any questions I am happy to assist you. You may contact me directly at the info below.
[redacted]
Direct: XXX-XXX-XXXX
Toll Free: XXX-XXX-XXXX
[redacted]@cascadereceivables.com

Initial Business Response /* (1000, 5, 2015/12/29) */
Contact Name and Title: [redacted] Compliance A
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@cascadereceivables.com
Dear Mr. [redacted],
Cascade Capital, LLC (CSC) is a passive [redacted] buyer. At no time does CSC conduct any sort of...

collections. I'm not sure who the "unknown company" is that you spoke with and told you the account would be handled by the courts, but I can assure you that was not CSC.
In your complaint you state you would like the agencies to cease and desist from collections efforts. CSC has recalled the account from D2 Management and closed the account as cease and desist. If you have any questions please feel free to contact me directly.
[redacted]
Compliance
Cascade Capital, LLC
XXX-XXX-XXXX
[redacted]@cascadereceivables.com
Initial Consumer Rebuttal /* (2000, 7, 2016/01/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank You. This matter has been resolved on the part of Cascade Capital. D2 contacted me again after they were told to cease and desist, but that is a separate matter.

Initial Business Response /* (1000, 5, 2015/09/18) */
Contact Name and Title: [redacted] Compliance A
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@cascadereceivables.com
Ms. [redacted],
Cascade Capital, LLC (CSC) is a passive [redacted] buyer and conducts business as such. CSC purchased a...

Santander Consumer USA Inc account, listing the obligor as [redacted]. The account was purchased from Santander in July of 2014. The balance, at the time of purchase was $9,433.80.
You stated you received a letter from CSC. I am going to assume you received a letter from the agency that is collecting on the account. This Santander account was placed with Halsted Financial Solutions.
You also stated you have a receipt for paying this account. Would you mind providing either Cascade or Halsted with that receipt of payment?
I have also attached the original documentation from Santander for your review.
You may contact me directly at anytime and I would be pleased to help you through this issue.
Thank you,
[redacted]
Compliance Analyst
Direct: XXX-XXX-XXXX
Toll Free: XXX-XXX-XXXX
[redacted]@cascadereceivables.com
Initial Consumer Rebuttal /* (3000, 7, 2015/09/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This debt has been taken care of and I do have the receipt and also its past the 7 yrs and by law they cannot collect on a debt anyway.
Final Business Response /* (4000, 11, 2015/10/13) */
Ms. [redacted],
As stated in our first response Cascade Capital, LLC is just a passive [redacted] buyer. We do not handle any collections. All collection efforts are outsourced to licensed and bonded collection agencies. Since you have stated twice you have receipt of paying this account please send your receipt to agency handling collections. Halsted Financial. They can be reached at XXX-XXX-XXXX.
You also stated that since the account is over the 7 year statute of limitations it cannot be collected on by law. That is incorrect. The meaning of the statute of limitations is that an agency cannot report the account to your credit report and you may not be pursued through legal action.
If you wish to discuss please give me a call at anytime.
[redacted]
Compliance Analyst
Direct: XXX-XXX-XXXX
Toll Free: XXX-XXX-XXXX
[redacted]@cascadereceivables.com