Consumer complaint received 2018-09-28
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation