Complaints
This profile includes complaints for Cascade365's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 9 total complaints in the last 3 years.
- 4 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:05/22/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Beginning this past December I began receiving calls from Cascade regarding what they called an unpaid medical bill from a provider who had gone out of business. They gave me a service date in 2023 and the doctors name and I acknowledged I had been there but had never received a bill. They could not provide me with the services I was being billed for but have been demanding I pay the $1501 bill. I found that this was billed to my ******** and have proof that this was paid out by my insurance with patient responsibility being $0. I called today to let them know, as they did send this collection to my credit report. The employee I spoke to began threatening me, saying this was going to ruin my credit score and telling me I could settle the account for less. I explained to him that I had the statement showing my responsibility as $0 and he said I understand you have that statement but this is your credit score that will be affected. How can he say that he understands the bill was paid but continue to tell me I need to pay it? I am requesting that this account be closed as I should not owe anything.
Business Response
Date: 06/16/2025
Ms. ****** ********,
Due to the BBB being a public platform I am limited on the information i may provide in this response. If you would like to speak with Cascade's Compliance Manager, ****** *****, regarding this complaint you may contact her directly at ************ or ***************************************************************.
We have reviewed the complaint and the documentation Ms. ******** sent along with her complaint as well as any call recordings available. Cascade is unable to locate any calls where Ms. ******** spoke with a live person from Cascade. Additionally, Cascade does not report consumer accounts to the credit reporting agencies. As for the claim summary attached to the complaint, the status shows the claim was denied and the provider listed on the claim summary is different from what Cascade shows. Please send an explanation of benefits with the correct provider, APP of ********** *** PLLC.
Thank you,
Cascade Capital, LLC
Initial Complaint
Date:01/15/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********. After discussion with Compliance Manager ****** *****, we reached an agreement to close the account for a lesser amount. I paid the agreed amount on 2/20/2025. Once I receive the requested written confirmation that my account is closed, I consider this complaint resolved.
Sincerely,
**** ******** On January 13, 2025, I offered a settlement agreement, for an amount closer to what I would be liable for under the Tennessee No Surprises Act (as the debt amount is based on out-of-network costs for care received at an in-network facility), and Cascade refused. I contend this debt is illegitimate, as the original debt holder never sent me a bill. At the very least, I believe the Tennessee No Surprises Act protects me from liability for the full amount of the debt, and I remain amenable to a good-faith settlement agreement.Business Response
Date: 02/18/2025
See attached responseInitial Complaint
Date:01/03/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Complaint: 22763113
I am rejecting this response because: the ************************** who was the original group that billed me said they told you all to refund me as well as delete this from my credit report. Nonetheless I have sent over my explanation of benefits and expect a refund in a timely manner.
Sincerely,
******** ******Business Response
Date: 01/17/2025
Cascade Receivables Management, LLC ("CRM") has no record of any proof that this was covered by the consumer's insurance company. If Ms. ****** would please provide a copy of the explanation of benefits from her insurance company to ***'s Compliance Manager, ****** *****, we can investigate this matter further. You can send the explanation of benefits to ***************************************************************.Initial Complaint
Date:12/21/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Complaint: 22718840
I am rejecting this response because: There is no resolution or explanation provided by Cascade Receivables. Please explain why you are attempting to collect payment from me for a medical bill covered by my insurance, without filing a claim with insurance first. You can respond leaving out any personal identifiable information. My insurance company has confirmed on the phone with one of your representatives they would pay the claim if you file it.
Sincerely,
******* *****and not contact me anymore as this is not a bill I owe since they are not willing to bill insurance.Business Response
Date: 01/06/2025
Dear Ms. **************** to this response being public record I am not able to go into detail regarding your complaint. However, due to your request to not be contacted further, the status of your accounts have been marked cease and desist.
If you have any further questions or wish to discuss these accounts with **********************'s Compliance Manager, ****** *****, you may contact her directly at ************** or ***************************************************************.
Thank you.
Business Response
Date: 01/17/2025
Cascade Receivables Management, LLC is not a medical billing company therefore it cannot bill insurance companies.Customer Answer
Date: 01/24/2025
Complaint: 22718840
I am rejecting this response because: I was covered by insurance. This debt is not my responsibility. I am not responsible for you not being able to bill insurance.
Sincerely,
******* *****Business Response
Date: 01/24/2025
We are sorry to hear about your unsatisfactory experience. We would be glad to assist you with any further questions or concerns you may have. Please feel free to contact us by phone at ************ or email at ************************************** Thank you.Initial Complaint
Date:05/14/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The debt in question was suppose to be paid by my insurance company for a hospital bill, however the doctor did not file the paperwork in time to my insurance company to pay the debt. He sold the debt, and now two debt collection agencies are in question regarding the debt. They both refuse to honor my request to remove the debt from my credit profile, after sending them both debt validations to prove the original contract was with them. The original date of the debt stems from the Sept 2017, in the amount of $1,401.00. This debt is impacting my credit score at no fault of my own.Business Response
Date: 05/20/2024
Cascade Receivables Management, LLC (CRM) has received notice of the complaint filed by this consumer and CRM takes all consumer complaints seriously and strives to resolve all complaints in a quick and efficient manner. Cascade Receivables Management, LLC is not a data furnisher as defined by the Fair Credit Reporting Act and does not report any debts to Credit Reporting Agencies.
CRM has investigated the consumers concerns set forth in the complaint.
On or around April 3, 2020, Cascade Capital Funding,LLC purchased an account listing ******************* as the guarantor and patient with a last known address of ************************************************.
The original creditor is Belle ****** *************** LLC. This is the name of the billing company for the ************************************* Emergency Room where ************ received services on September 30, 2017.
The insurance listed on this account is Medcost, Inc.policy number ending in *****. After insurance was applied the remaining balance of $1,401.00 is listed as patient responsibility.
On May 9, 2024, CRM mailed the validation of debt to ************ at the address listed in her complaint.
If you have any further questions regarding this account, please do not hesitate to contact us here at: **************************************
Best regards,
Cascade Receivables Management,LLCInitial Complaint
Date:07/25/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Complaint: 20373794
I am rejecting this response because:They are suggesting I did not give a reason for them to Contact my ex employer when I directed them specifically to contact ************************ HR department.
***** is the contact person. Their phone number is ************.
Prior to going to their clinic and upon arrival I specifically asked was everything covered under my insurance and was told yes. After leaving with no notice of money owed I received a letter stating I owed money. I went to the clinic and asked why and was told oh well the doctor that saw you wasnt in network.
I advised my employer of the circumstances via HR department and they said they would handle it. Thereafter I was informed by HR
It was resolved and did not need to worry about any charges.This company needs to contact my old employer for records regarding this claim as it was handled through them and should still be on file.
Sincerely,
*********************************Business Response
Date: 08/22/2023
Please see the attached complaint response. If there is anything else you need from me, please do not hesitate to contact me. Thank you.Business Response
Date: 08/22/2023
Please see the attached response.Business Response
Date: 08/23/2023
********************** it seems you are having trouble understanding the response you received. If you would like to discuss further please contact the Compliance Manager, *********************** ************ direct line.Customer Answer
Date: 08/25/2023
Complaint: 20373794
I am rejecting this response because:I will contact the employer myself and get back with them via BBB.
Sincerely,
*********************************Business Response
Date: 08/29/2023
Hello, **********************,
This account has been closed. I hope this resolves any of your issues.
Initial Complaint
Date:04/01/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
As indicated in the initial correspondence, the amount owed had already been collected and finalized a year (2021) prior to Cascade contacting me. Maybe incomplete documentation is what's left when some companies go out of business. Nonetheless, this auto payment of $100 between Code 3 Physicians and ********** was set ** in October 2019 and the last payment charged to my account was May 2021. Should you need documentation of payment, do not hesitate to contact me.
Sincerely,continued to charge $100 monthly for a total amount of $2,000. By this time, they had gone out of business and we (*****) was unable to review and refund my account because of the timeline.Cascade Capital Funding called again, June 2022 I was directed to the manager, whom I believe went by the name of ***, who clearly stated You do owe Code 3, we are here to collect the amount owed, $1,097.20 and we are trying to make it easy on you so how did you want to pay? I believe I asked him whether he heard what I was saying, which was, the bill had already been paid. I also told him to give me about a day and I would send the verification proving that this bill had been paid in full.To resolve this matter, June 9, 2022, I sorted through the **** statements and charges and sent Cascade Capital twelve **** statements that clearly showed: SHA*Code 3ER $100. I followed up with Cascade since they did not follow up with me. I inquired whether they had verified the information. I was told more than once that they were still investigating. I did not hear anything for a while. Their next call came, August 2022. I spoke with the manager again and reiterated that the total amount was finalized, last charge, May 2021. He then agreed with me, Every word you are saying is true, but this is a different bill. There is no other bill!To this end, Cascade Capital Funding refused to accept the verification that the amount had been paid in full a year prior to when they first contacted me. Instead Cascade chose to try and intimidate in an effort to collect on an account that already been paid. they would not acknowledge the error on the part of the company (over charge) Code 3 that was no longer in business.I received a letter Wednesday, February 22, 2023 from: *************************: Account Summary Current Creditor: Cascade Receivables Management Reference # ********** Original Creditor: Code 3 Emergency Physicians Balance Due: $1,097.20
*************************Business Response
Date: 04/17/2023
We are in receipt of your additional comments regarding our response to this complaint. As stated, CCF has recalled and closed this account and considers this matter closed.Customer Answer
Date: 04/20/2023
In response to Cascade Capital, several details are questionable. The paragraph that begins, "The original creditor was contacted..." How is this possible when they have been out of business at least since October 2021? Also, the paragraph that begins, "On 8/30/2022...balance still owed." Last item, that begins, "A review of all available...is still unpaid..." My question is this: What is the account number assigned to the patient or associated with this charge Cascade still claims I owe?
In response to the last two items above: Prior to Code 3 Emergency closing their doors, I received two bills: doctor and facility. The insurance paid a portion to the doctor and I paid the remaining balance, October 26, 2021. Yes, I have the receipt and possibly a screenshot that proves the doctor's portion was paid.
Concerning the facility, my portion was $1097.20. Code 3 not only charged this amount, they changed a total of $2,000 before I realized a monthly charge of $100 was still being charged to my **** account! The proof is on my Chase statements beginning October 2019, when I initiated automatic monthly payments to Code 3. You must remember I did forward the **** statements verifying these charges. To this end, Cascade still has the audacity to make the statement that the disputed amount has not been paid!
I need for Cascade to understand two truths: both bills were paid prior to March 2021, the data proves it. I also need for you to understand I will not send any amount to you, a third party collector or any other fraudulent company. Finally, whether Cascade or an affiliate, *************************, please do not contact me again.
Business Response
Date: 04/11/2023
Please see the attached for our response.Business Response
Date: 04/27/2023
As previously stated, CCF has recalled this account from the assigned agency and closed it from further collection activity. We consider this matter closed. Tell us why here...Customer Answer
Date: 04/27/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me. Also, I am agreeing with the understanding that Cascade Capital Funding as well as ***************** NOT contact me again concerning this account.
Sincerely,
*************************Initial Complaint
Date:02/07/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution was satisfactory to me. I would like a copy of the account being closed mailed to my address, which Cascade Receivables Management, LLC (CRM) has.alled and was put with ****** to be told my case was not closed and still had a debt of ******. I explained that that is not what I was told and she even confirmed it was in the notes on the account. I called back again 2/7/23 and tried to reach ****** again, only for her to start the phone call then abruptly cut me off an pass the call to ******. ****** he said I have a balance of 125 dollars. He told me he verified the information with ***** *************** I ask how he did that since the hospital is closed. He told me to figure it out. I told him that was unacceptable for a company to try and collect an alleged debt to figure it out. So I asked for the complain department along with his supervisor. *** who I spoke to the first time was the supervisor. ****** would not get complaint department. After speaking to Ray it was the same thing, they are unwilling to provide any information that I was billed correctly or provide information of who the bill was actually verified with.
Sincerely,
*****************************Business Response
Date: 03/01/2023
Please see the attached for our response.
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