Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I had initiated contact with Cascade Capital Funding when through there subsidiaries they had XXXX accounts placed in collections under my name. Initially the XXXX subsidiary company, XXXX XXXX XXXX, refused to to contact the VA and rebill them as they are my insurer. So I went directly to the original creditor. At that point I was told that accounts, all of them would be removed from collections so they could rebill the VA for the expenses. I have proof that this was done less than XXXX month ago. That means that they pulled the accounts from collection. So far that has resulted in 2 out of 3 of the collection accounts being removed from my credit report. However, The 3rd one an account with a date of service on XX/XX/XXXXXXXX  for {$640.00} was not removed. This account was placed with XXXX XXXX XXXX earlier I was told by XXXX XXXX, from Ability that the account had been moved to their legal department. The problem I have with that is why would ability remove 1 claim from the credit bureau 's but not the other. I was told by XXXX today that it was because the account was not the original debtors any longer it belonged to Cascade Capital Funding and because the VA denied the claim they did not have to remove it even though the original creditor had relinquished me from it as they were required to do by federal law. This is a result of the reason the VA denied the claim, which was failure of provider to bill the VA within 180 days. Because they would have paid the expense had that not been the case. I only ask that, Cascade Capital Funding, follow the law which clearly indicates that no veteran shall be harmed if a claim is denied by the VA for a certain list of reasons, one of which is the failure for the provider to properly submit a claim within a specified time period, for me that was 180 days. Either way the original creditor on the account has requested the account to be closed and the debt from their point of view was written off. This is what Cascade Needs to do as well and as of XX/XX/XXXXXXXX  when I received my latest dispute disclosure had not been done. I have been in communications with XXXX XXXX at cascade she's one of the call center managers and she assured me the issue would be handled as the other accounts had been. Again XXXX XXXX at Ability told me yesterday that he would contact there legal department and would get back to me and I have not heard from him yet. But this account being on my credit report is stopping me securing a debt consolidation loan I need to get some much need dental work done, in addition the the psychological stress this is causing me have to go through all this communication and figure all this out has caused me. It's harming me both physically and mentally at this point. Also I have the EOB benefits statements from the VA being billed by XXXX XXXX XXXX, the claim being denied and the veteran liability being {$0.00} and have submitted this to both Cascade and Ability. There is no excuse for this account to be being pressed against me. This is beyond ridiculous and I feel as though I am being extorted for money I am not responsible for paying. Additionally, in order for an account to be submitted to collections it must be a closed account. 
Therefore, XXXX XXXX XXXX filing the claim with the VA nullified any option for Cascade to pursue the debt. They need to have this account removed from collections under my name.

Company response to consumer: Closed with explanation