Cascade Collections Inc

The account was assigned to us from *** *** *** on 7-15-We spoke to *** *** for the first time on 7-18-and he refused to make a repayment arrangementFrom 7-18-to 11-19-the day we filed a claim in small claims, we attempted many times to talked to both consumers about
setting up a repayment plan with no successWe spoke to *** *** on 10-9-again to attempt to set up a repayment plan and she hung up on usThe small claims was filed and served personally to Issac *** at which time Mr*** called and we agreed to take $per month however they never followed through with a paymentOur staff went above and beyond to work out a repayment plan with the ***'s and the staff was correct in informing the consumers that we would not release or lower the amountThe account was paid in full 4-8-and we notified the court and credit reporting agencies as is required of us

On 1-15-I received a call from a gal stating her name was *** *** and she wanted to know if this account could be removed from her creditI explained this is a valid account and we have reported it paid in full to the credit bureaus as is required of usThere was a man in the back ground
yelling who then got on the phone stating that the law says if you pay an account it must be removed from a persons credit fileI asked who he was he said he was an attorney by the name of *** *** in MinnesotaHe asked for my title, I told him Vice President and gave him my full nameHe continued to yelling telling me that I must remove this nowI explained that is not how it works and we have reported this paid in full as is required of us he told me he was going to come and take me out so I better watch my back and he hung upMy phone conversation is available

The first email was received on 4-25-in which a request was made for a receipt and confirmation that this has been reported to the credit bureausI responded that a receipt was emailed on 4-9-and we report to the credit bureaus every 30-daysThe next email from you stated you had not
received a receipt and that you were told over the phone this would report on 4-20-I responded to your email I resent the receipt and reviewed the call and spoke to the staff who took the payment and we report every 30-days and our staff is fully trained that they can not give a specific day as we do not have to ability to report an account live as that is not an option we haveAny questions regarding your credit file need to be directed to the credit bureausIt was after this email that you responded with an email requesting additional information on the interest and fees as well as stated your frustration and wanting to know if the mistake was an assumption you made, this email was received 4-26-I responded to that email letting you know that I sent you a paid in full letter as requested and again explained our policy on credit reportingBefore I had a chance to send out the details requested an email was sent to the owner on 4-26-and I have attached a copy of my letter that shows the detailed information requested as well as a paid in full letterAlso attached is that response of the ownerAt no point in time was I rude nor was there ever any intention on my part to be rude and I apologize if any emails came across that wayAlso there was no intent at any point to question your intelligenceI apologize for any misunderstanding and the accounts were reported paid in full on 4-30-

Complaint: ***
I am rejecting this response because you do not take responsibility for your actions:1) Here is the assumption you may about me:"I speak people a lot who are in your situation and assume that the day they pay it will be the day it update and that just is not possible." First you group me in with a group of people which is hateful and rude, second I had said several times I know that it wouldn't be live but I had clarified with the staff member on your team that it would be reported on 4/which it was not, and you said you review the calls but couldn't provide me with a transcript only later in this letter telling me you don't record phone calls (although everytime I've spoken I have been warned that the phone calls will be recorded?) 2) Your paid in full letter does not described the dates the 9% interest rate was enacted, so I cannot make a calculation to check the math as I requestedWere they from the office visits or from the time the record was open with you? 3) I never received an email response to all of my emails to Rob, and just now am I seeing the first response I understand you are not necessary in customer service but the whole process has been a mess and leave a lot to be desired.
Sincerely,
*** ***

Complaint: ***I am rejecting this response because Cascade Collections' response is riddled with half-truths and outright fabrications I simply wanted an accounting for a bill from a medical office It took Cascade Collections more than four months to provide this bill(Only after I filed complaints with both the Revdex.com and the State of Oregon's Consumer Protection Office.) Although the company couldn't provide the billing for the debt, they did find the time to report the matter to the various credit bureaus.
Here's the kicker - the debt is now down to $ (Last fall, the office was billing me for $- that's why I balked at the billing statement.) All of this aggravation is over $ My problem, though, is that this collections office reported the debt to a credit bureau when the debt was still being contested That damages credit scores In my case, my credit is very strong and has now taken a little hit from this matter Probably not a big deal, as I don't plan on getting a new mortgage, financing a car etcBut this company acted unethically and has no right to damage my credit
As an aside, the $billing also appears to be erroneous I'm not sure that I'm up for another round with this company I truly feel sorry for anyone that has to deal with them over a significant amount of money
Here's a tip for Cascade Collections - check on the validity of a debt before accepting the debt
Sincerely,*** ***

To Whom It May Concern: We explained to Mr*** that the circumstances of the client regarding this debt created a situation where it took longer than to obtain the necessary documentationWe kept in contact with him via email and I can provide copies if necessaryThe Dentist in
question passed away suddenly and unexpectedly in a tragic accidentThe surviving spouse was dealing with the loss of her husband and trying to deal with his practice as wellI would think that any person would be understanding of how difficult this situation wasWe did receive the documentation and forwarded it on to Mr*** with an explanation again of the magnitude of the situationBy his own admission in his letter he did have documents of his own that provided a balance of what was owing he never provided us with what the difference was in the figures that he was having an issue with this has made it difficult to help himBy his own admission he received a statement from the Dentist office and placed a call to them and they returned his call, although he does not disclose what was determined in that call
I responded to Mr*** today via email and let him know that as is required of us we did code this account disputed with all three credit reporting agencies and should he pay this in full we will notify all three Credit Bureaus appropriatelyAttached is a copy of Mr***'s email where he acknowledges receipt of the requested documentationI have indicated to Mr*** that I am happy to help in any way I can if he has any other questions or concerns
Thank You
Lorie R***
Vice President

Our office is in receipt of the complaint filed by Mr. [redacted]. We have searched our database and have no record of this name, address, or telephone number. Please provide the call back number provided in the voice mails that he states are being made multiple times per day. Our office does not...

purchase debt. We collect on debts that originated in Oregon as that is the state we operate in. There are companies with a similar name in Utah and Petaluma, CA. Our office receives multiple calls weekly from consumers that are confusing our office with another collection agency.

We have noted our file of Mr. [redacted]'s rejection. We provided the accounting from the Dentist office to him I am not sure what else we could possibly do at this point.
 
Lorie R[redacted]
Vice President

In response to the complaint filed by the above consumer, after contacting our client, they have asked that we close our file and remove any derogatory reporting regarding the collection in question.
As a result of our client's request we have closed our file and submitted a deletion to the three...

credit reporting agencies.

I had a conversation with [redacted] when she called our office. I explained to her that the notice was not in her name and directs the consumer to contact the original creditor. I stated to her that email with instruction on returning the book along with tthe return labels are sent to the email...

that is given to the creditor at the time of rental. It is my understanding that  BookByte sent another email to her email address with instruction. I further explained to her that this account is in a precollect status not yet assigned for collections. It will transfer into collections 9-5-16 if they have not resolved it with the original creditor. It has not been credit reported and there are no fees added at this time. On 8-17-16 we received a call from [redacted] whose name is on the account and we advised him also to contact the original creditor.