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Initial Complaint
06/23/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have received a a bill from this Debt Collector for Account # ************* in the amount of *********** goes against the **** rights and it is a violation 15 U.S. Code 1692c I am a victim of Identity Theft and I have included a FTC report with Cascade Capital Funding LLC Account # So I ask that ********************** FUNDING LLC remove the following account from all three Credit Bureaus Experian, Equifax and TransUnion immediately
Business response
07/26/2024
Cascade Capital Funding, LLC (CCF) has received notice of the complaint filed by this consumer and CCF takes all consumer complaints seriously and strives to resolve all complaints in a quick and efficient manner. Cascade Capital Funding, LLC is not a data furnisher as defined by the Fair Credit Reporting Act and does not report accounts or debts to credit reporting agencies.
The consumers name and phone number provided in the complaint shows this consumer has six outstanding accounts. The consumer states in the complaint that she has provided a FTC Fraud report to CCF. CCF has no record of this report nor is a copy attached within the complaint. If the consumer would please provide proof that the accounts are not hers so that we may investigate further.
If the consumer would like to discuss this matter with the Compliance Manager, ***********************, she may be contacted at ************ or ****************************************.
Initial Complaint
05/30/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I saw a report on my credit account for collections. I was in no way aware of an unpaid bill and never received letters. (I moved a few times in between) I paid the balance in full and even received a letter stating the balance was paid in full. Today I got a call for the same debt (from no caller Id) and threats to report my debt to my credit. Please advise. This debt has already been paid. I do not want to impact my score.
Business response
06/10/2024
********************,
In order to research your complaint I would need more information regarding who you received a call from.
Cascade Capital Funding, LLC cannot disclose the account information in this response due to your privacy. If you would like to discuss this matter with the Compliance Manager, ***********************, you can contact her at ************ and I would be happy to assist you.
Initial Complaint
03/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have received a a bill from this Debt Collector for Account # ************* in the amount of $6,139.64 This goes against the **** rights and it is a violation 15 U.S. Code 1692c I am a victim of Identity Theft and I have included a FTC report with Cascade Capital Funding LLC Account # So I ask that ********************** FUNDING LLC remove the following account from all three Credit Bureaus Experian, Equifax and TransUnion immediately
Business response
03/05/2024
Please see the attached response
Initial Complaint
02/14/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with Encore *********************. I do not have a contract with Cascade Capital Funding, LLC dba ***************** Recovery, they did not provide me with the original contract as I requested.
Business response
02/27/2024
Response has also been attached.

Re: BBB Complaint - ***************************
Cascade Capital Funding, LLC (CCF) has received notice of the complaint filed by this consumer and CCF takes all consumer complaints seriously and strives to resolve all complaints in a quick and efficient manner. Cascade Capital Funding, LLC is not a data furnisher as defined by the Fair Credit Reporting Act and does not report accounts or debts to credit reporting agencies.
CCF has investigated the consumers concerns set forth in the complaint.
On or around July 28, 2023, CCF purchased an account that lists ****************************** as the first obligated party with a last known address of *************************************. *****, ** *****. The past due amount and current balance remaining is $2,746.34.
The original creditor listed on the account is **************************** Corporation and the open date is October 17, 2017, and the open amount is $16,735.66.
Cascade Capital Funding, LLC and *************************, **** are two separate companies with no affiliation to one another.
Ms.Jacksons account has been placed for collection with Cascade *********************** LLC on February 12, 2024. They can be contacted at **************.
A request for verification of debt has been sent to the original creditor and once received, CRM will mail the documents to Ms. ******** address listed in this complaint.
If you have any further questions regarding this account, please do not hesitate to contact us here at: ****************************************.
Best regards,
Cascade Capital Funding, LLC
Customer response
02/27/2024

Complaint: 21292108

I am rejecting this response because: according to a recorded phone call, it was confirmed that these two companies are affiliated with one another. I request this be investigated.

Sincerely,

***************************
Business response
03/05/2024
******************,
Your complaint specifically states "Cascade Capital Funding, LLC dba ***************** Recovery". Central Portfolio Recovery is NOT a dba of Cascade Capital Funding, LLC.
Customer response
03/05/2024

Complaint: 21292108

I am rejecting this response because: I have a phone call recording where the representative from cascade clearly states that these companies are indeed affiliated with each other.

Sincerely,

***************************
Initial Complaint
02/13/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Dear Cascade Capital Funding,I trust this email finds you well. I am writing to bring to your attention a matter of significant concern regarding the recent report of debt stemming from ***************** visit to ********************.To the best of my knowledge, I have not provided consent for the sale of my personal information to any external entity, nor have I engaged in any transactions with your organization. Nevertheless, I have experienced persistent contact and unwarranted threats from your company, resulting in adverse implications on my credit report.It is crucial to note that, according to ***** laws, medical debt can indeed be sent to collections agencies. However, in the case of non-profit hospitals such as *********************** they are obligated to offer financial assistance to individuals before resorting to collections. I have not received any offers of financial assistance despite my situation.Given these circumstances, I kindly request your immediate intervention to remove any collection information associated with my account from all major credit reporting agencies without delay. Failure to adhere to this request may leave me with no choice but to explore legal avenues to protect my rights and privacy.I am confident that you will address this matter promptly and in accordance with legal obligations. Additionally, I request written confirmation of the steps taken to rectify the erroneous collection information from my credit reports.Your prompt attention to this matter is greatly appreciated. I hope for a swift and amicable resolution without the need for further legal action.Thank you for your consideration.
Business response
02/27/2024
Please see attached response.
Initial Complaint
02/02/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have received and email and shortly after a mail with a bill from a debt collection company on behalf of the Cascade Capital for a $588 for a Hospital Bill from 2019 (5 years ago)!1.) This is not mine;2.) I have never visited/been treated in that Hospital (they closed doors in 2020)3.) I had my identity stolen in 2015 (attached copy of police report and affidavit) and had to clean up a big mess during 2018-2019. I assume this is a late surfacing hit from same cons 4.) I have never received a Bill from this hospital or Cascade in the past 5.) *********************** reported me to the ************************** and I have big ding on my 800+ credit score.6.) I am contacting my lawyer and have him deal with this fraudulent activity/company
Business response
02/20/2024
*************************
***************************************************************************
******************

(MCCedit Mlanagement CompaN
Dear ****************************:

Reference Number: 41550282

************************* is a debt collector. We are trying to collect a debt
you owe toCASCADE CAPITAL FUNDING LLC. CASCADE CAPITAL FUNDING
LLC purchased your account from FIRST ***** HOSPITAL. We will use any
information yougive us to help collect the debt.

Our information shows:
You had an account from: FIRST ***** HOSPITAL with account number:
***t***tt* FTH.
CASCADE CAPITAL FUNDING LLC has authorized us to resolve your account for 65%
of the total amount of the debt. That amount is $362.70

How can you dispute the debt?
Call or write to us by: 3/10/2024, to dispute all or part of the debt. If you do
not, we willassume that our information is correct.
If you write to us by: 3/10/2024, we must stop collection on any amount you
dispute until we send you information that shows you owe the debt. You may use
the form below or write to us without the form. You may also include supporting
documents. We accept disputes by U.S. Mail and by Email (addresses listed at
the top of this letter)
What else can you do?
Write to ask for the name and address of the original creditor. If different
from the current creditor. If you write by: 3/10/2024, we must stop collection until
we send you that information. Youmay use the form belowor write to us without
the form. We accept disputes by U.S. Mail and by Email (addresses listed at the
top of this letter).
Go to ************************************ to learn more about your rights
under federal law. For instance, vou have the right to stop or limit hOW we
contact you.

Contact us about your payment options at **************

As of: 10/23/2019, you owed: $558
Between 10/23/2019 and Thursday, January 25, 2024:
You were charged this amount in interest:+ $0.00
You were charged this amount in fees: + $0.00
You paid or were credited this amount toward the debt: - $0
Total amount of the debt now: $558.00

Notice: See below for important information.

Mail this form to:

*************************
*****************************************************************
**********, ** 15220

To:
*****, *********************
*************************************
****,** 77450

How do you want to respond?

Check all that apply:
i want to dispute the debt because I think:
MThis is not my debt.
|]The amount is wrong.
|jOther (please describe on the reverse or attach additional information)
ved
Thi's
want you to send me the name and address of the original creditor.
IJlenclosed this amount: $
Make your check payable to: *************************. Include ReferenceID:
T41550282 deal wik

Please be advised that the following state and municipal disclaimers are only applicable O/S
to consumers living in those states or municipalities. Any check returned for insufficient
funds or account closed may be assessed a processing fee if permitted by state
law. Please be advised that the following state and municipal disclaimers are only
applicable to consumers living in those states or municipalities. Any check returned for
insufficient funds or account closed may be assessed a processing fee ifpermitted by
state law.
If you have a visual impairment and need an alternate version of this letter, please
reach out to us by using any contact method located at the top of the first page and
request one of the following:
1. Reprinted letter with a significantly larger printed font size (18 points)
2. An audio recording delivered via email in an MP3 file format

The audio version can also be played for aconsumer via a toll-free
telephone call (upon request).

NOTICE: SEE BELOW FOR IMPORTANT INFORMATION
This email was sent to **************** on behalf of Credit Management
Company.
Click here to Unsubscribe
This e-mail communication is covered by the ********** Communications Privacy Act of
1986 (ECPA), 18 U.S.C. $ 2510-2523. This communication is CONFIDENTIAL.

The information contained herein is intended only for disclosure to or use by the
person(s) isted above. If you are neither the intended recipient(s), nor a person
responsible for the delivery of this communication to the intended recipient(s), you are
hereby notified that any retention, dissemination, distribution or copying of this
communication is strictly prohibited.
Initial Complaint
02/02/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Cascade Capital, LLC is in violation of my rights under ***** and Federal Law. Specifically the law under Sections ****** of the Texas Civil Practice and Remedies Code, Section ******* of the ***** Finance Code and Title 12, Section ******* of the Code of Federal Regulations. Specifically, Cascade Capital, LLC has failed to disclose if the medical debt is time-barred, whether or not the limitations period has expired and whether or not they are threatening suit. All of these are required under ***** and Federal laws. I am attaching a request for explanation and validation of debt along with the Debt Validation Letter from company to show that Cascade Capital, LLC have erroneously sent me a debt for a medical bill I have no knowledge of and without itemization of the debt. Furthermore, the law requires prior contact from the original debtor that the debt existed within 11 days of the following month. Since the original debtor and Cascade Capital, LLC have failed to inform me that the debt existed prior to filing a collection on my credit report. I am requesting that Cascade Capital, LLC remove the information from all 3 credit bureaus following the resolution of this matter within 30 days.
Business response
03/05/2024
Please see the attached response. Thank you.
Customer response
03/05/2024

Complaint: 21237621

I am writing to express my dissatisfaction with the response provided by Cascade Capital Funding, LLC (CCF) to my complaint. Their reply not only fails to address the core issues but also contains factual inaccuracies. I have enclosed detailed explanations supported by exhibits for clarity:
Exhibit A
In their response they state that,
"Cascade Capital Funding, LLC (CCF) is not a data furnisher as defined by the Fair Credit Reporting Act and DOES NOT report accounts or debts to credit reporting agencies." furthermore "CSC and CCF are not data furnishers as defined by the Fair Credit Reporting Act and DO NOT report accounts or debts to credit reporting agencies."
The response goes on to state, "CMC records show that ************** has disputed the accounts. Due to **************** disputes, CMC sent a request for verification of debt documents to CCF, and those documents were sent to CMC on January 9, 2024, to send to **************. ************** confirmed receipt of those documents as she attached both to her complaint that was submitted."
My Position
In their response, CCF denied being data furnishers under the Fair Credit Reporting Act (****) and claimed they do not report accounts or debts to credit reporting agencies. However, their subsequent actions contradict this assertion. Despite their denial, they sent verification of debt documents to the credit monitoring company (CMC) in response to my dispute, which directly implicates them as data furnishers. Attached credit reports confirm that CMC reported the disputed accounts to all major credit bureaus based on the data furnished by CCF.
Exhibit B
The response also failed to address ***** and Federal Law, Section ****** and Section 605, Fair Credit Reporting Act (15 U.S.C. Section 1681c) which states that the statute of limitations on medical debt in ***** is 4 years. They have identified that I, *************************, am a ***** resident and that the service was incurred in *****. Furthermore, if the services were rendered on 7/06/2019 then the statute of limitations expired on 07/06/2023. CMC placed the debt on my credit report as of 12/06/2023, well after the statute of limitations had expired.
In their response they have identified themselves as a debt purchaser. According to Finance Code Chapter 392, Debt Collection: Sec. 392.307. COLLECTION OF CERTAIN CONSUMER DEBT BY DEBT BUYERS. the law states:
" (a) In this section:
(1) "Charged-off debt" means a consumer debt that a creditor has determined to be a loss or expense to the creditor instead of an asset.
(2)  "Debt buyer" means a person who purchases or otherwise acquires a consumer debt from a creditor or other subsequent owner of the consumer debt, regardless of whether the person collects the consumer debt, hires a third party to collect the consumer debt, or hires an attorney to pursue collection litigation in connection with the consumer debt.  The term does not include:
(A) a person who acquires in-default or charged-off debt that is incidental to the purchase of a portfolio that predominantly consists of consumer debt that has not been charged off; or
(B) a check services company that acquires the right to collect on a paper or electronic negotiable instrument, including an Automated Clearing House (ACH) authorization to debit an account that has not been processed.
(b) Unless otherwise expressly provided, this section prevails to the extent of any conflict between this section and any other law of this state.
(c)  A debt buyer may not, directly or indirectly, commence an action against or initiate arbitration with a consumer to collect a consumer debt after the expiration of the applicable limitations period provided by Section ******, Civil Practice and Remedies Code, or Section *****, Business & Commerce Code.
(d) If an action to collect a consumer debt is barred under Subsection (c), the cause of action is not revived by a payment of the consumer debt, an oral or written reaffirmation of the consumer debt, or any other activity on the consumer debt.
My Position:
CCF's response overlooks pertinent ***** and Federal Laws, particularly Section ****** and Section 605 of the ***** According to these statutes, the statute of limitations on medical debt in ***** is four years. As a ***** resident, I am protected by this law. However, CMC placed the debt on my credit report well after the expiration of this limitation period. Moreover, as a debt purchaser, CCF is subject to Finance Code Chapter 392, which prohibits commencing actions against consumers after the limitations period expires. CCF's adverse collections actions on my credit reports post-expiration of the limitations period directly contravene this law.
Exhibit C
In their response they also failed to address Section 605, Fair Credit Reporting Act (15 U.S.C. Section 1681c). This portion of the **** code is as follows:
(e) If a debt buyer is engaged in debt collection for a consumer debt for which an action to collect the debt is barred under Subsection (c), the debt buyer, or a debt collector acting on behalf of the debt buyer, shall provide the following notice in the initial written communication with the consumer relating to the debt collection:
(1) if the reporting period for including the consumer debt in a consumer report prepared by a consumer reporting agency has not expired under Section 605, Fair Credit Reporting Act (15 U.S.C. Section 1681c), and the debt buyer furnishes to a consumer reporting agency information regarding the consumer debt, "THE *** LIMITS HOW LONG YOU CAN BE ***D ON A DEBT. BECAUSE OF THE AGE OF YOUR ***** WE WILL NOT *** YOU FOR IT. IF YOU DO NOT PAY THE ***** [INSERT NAME OF DEBT BUYER] MAY CONTINUE TO REPORT IT TO CREDIT REPORTING AGENCIES AS UNPAID FOR AS LONG AS THE *** PERMITS THIS REPORTING. THIS NOTICE IS REQUIRED BY ***.";
(2)  if the reporting period for including the consumer debt in a consumer report prepared by a consumer reporting agency has not expired under Section 605, Fair Credit Reporting Act (15 U.S.C. Section 1681c), but the debt buyer does not furnish to a consumer reporting agency information regarding the consumer debt, "THE *** LIMITS HOW LONG YOU CAN BE ***D ON A DEBT. BECAUSE OF THE AGE OF YOUR ***** WE WILL NOT *** YOU FOR IT. THIS NOTICE IS REQUIRED BY ***."; or
(3) if the reporting period for including the consumer debt in a consumer report prepared by a consumer reporting agency has expired under Section 605, Fair Credit Reporting Act (15 U.S.C. Section 1681c), "THE *** LIMITS HOW LONG YOU CAN BE ***D ON A DEBT. BECAUSE OF THE AGE OF YOUR ***** WE WILL NOT *** YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY ***."
(f) A notice required under Subsection (e) must be in at least 12-point type that is boldfaced, capitalized, or underlined or otherwise conspicuously set out from the surrounding written material.
My Position
Furthermore, CCF, CSC & CMC failed to adhere to Section 605 of the ****, which mandates specific disclosures regarding the age of debt and the consumer's legal rights in debt validation letters. By omitting this information, they violated **** requirements. As a result, the placement of the debt in collections and on my credit report lacks legal basis.
In light of these violations and factual discrepancies, I urge the immediate removal of the collections from all three credit bureaus. This request is justified by the following reasons:
1. The collections were placed on my credit report despite being disallowed under **** rules.
2. As per ***** Law, collections by debt buyers are prohibited after the expiration of four years, which occurred in June 2023.
3. CCF, CSC & CMC failed to comply with **** regulations by not disclosing my legal rights regarding the debt.
I expect prompt and appropriate action to rectify this matter.
Sincerely,
*************************
Customer response
03/07/2024
I received the reply yesterday from Cascade Capital and sent my response back over last night. I disagree with their response in full. They are stating that they did not put the information on my credit reports but were also notified of a dispute from my credit reports which is what prompted the verification of debt letter. I am requesting that since the debt was not supposed to be place on my credit report that they remove them from all 3 promptly. Please let me know if you need anything from me to get this resolved. I appreciate your help with this matter.
Best,
*******
Business response
03/07/2024
**************,
You are correct, Cascade Capital Funding, LLC ("CCF") did not place any accounts or debts on your credit. As stated CCF is not a data furnisher and does not report to the credit reporting agencies. CCF did not state that they received a credit reporting dispute from you because they did not. You disputed the debt through ************************* and verification of debt was provided to you. If you wish to discuss this matter with the Compliance Manager you may contact *********************** at ************. Thank you and have a wonderful day.
Customer response
03/07/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************
Initial Complaint
01/25/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Cascade Capital Funding, LLC how did you get my information to sell? Company responded STATUS RESPONSE TYPE Company responded on Closed with explanation 12/26/2023 Company's Response *************************************************************************. is a debt collector. An account was assigned to *************************************************************************. on 05/15/2023 by our client, Cascade Capital Funding, in the name of ***************************. On 5/16/23, we mailed a letter to ************** which contained a validation notice to the address of record. (Note: The address of record is the same address ********************************************************************************* 1/25/24, 6:27 AM Page 2 of 6 listed by the consumer on this complaint --********************************************************************************.) This letter was not returned as undeliverable. On 10/25/2023, the account was closed and returned to Cascade Capital Funding. Also, on 10/25/2023, we requested the credit reporting agencies to delete the *************************************************************************. tradeline related to the Cascade Capital Funding account from **************** credit bureau report. Should anything further be required, please do not hesitate to contact ***************************, our VP of Operations, at ************.
Business response
02/16/2024
See attached
Customer response
02/18/2024

Complaint: 21201449

I am rejecting this response because:
no one has shown any delegation of authority will be added as an party of interest in the matter 3:24-cv-00021

Sincerely,

***************************
Business response
03/05/2024
If ************** wishes to discuss the matter further he may contact the Compliance Manager directly at ************.
Customer response
03/05/2024

Complaint: 21201449

I am rejecting this response because: im not calling no-one its a federal litigation that will be pushed to superior court so whatever done talking

Sincerely,

***************************
Business response
03/05/2024
Thank you for your time.
Customer response
03/05/2024

Complaint: 21201449

I am rejecting this response because:
just going to file a criminal complaint for identity theft not gonna play no games with y'all have a good day watch me
Sincerely,

***************************
Initial Complaint
11/08/2023
Complaint Type:
Sales and Advertising Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
My account was turned over to the collection company and when i fought it the company stated they were redacting it but when asked for a email stating that I got the run around. Spent 3 hrs on the phone this morning only to have the lady hang up on me. I can't get in touch with the credit bureaus and when i checked this morning the company had verified that i owe *******.
Business response
11/21/2023
please see the attached response.
Initial Complaint
09/27/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I received an email from ************************ on 6/15/2023 stating I owed Cascade Capital over $2k. I ALREADY disputed another collection from Cascade Capital back in March that has since been removed, and I advised the ***************** that I do not and never did owe a debt for this agency, but here we are again with a NEW debt that is not mine that is ruining my credit! PLEASE REMOVE THIS FROM MY CREDIT REPORT! I have never been to and do not owe this debt from whoever or whatever health company this is!
Business response
10/09/2023
please see the attached response.
Customer response
10/09/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you for your help!

Sincerely,

***************************

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