CACH LLC - What are the consumer grievances against them?

Many consumers have complaints about the collection agency (CA), CACH LLC. They often contact consumers about invalid debts and violate debt collection practices laws. To know about the other complaints made against the collection agency, take a look at the topics given below:

What complaints do consumers have about CACH LLC?

Many customers have expressed their grievances against this agency in the DebtCC forums. Some of those complaints are:

  • Collecting non-existent credit card debts: One of the common allegations against CACH LLC is that they try to collect on credit card debts the customers never had. One consumer alleges that the agency contacted him about a credit card account he had never taken out. Even the credit card number the agency gave him did not match his original credit card number! Find out more
  • Failure to validate debts: Another consumer said the agency filed suit against him for a credit card debt. When he sent them letters asking them to validate the account, he got no response from them. Learn more
  • Threatening calls: CACH LLC often makes threatening calls to customers. One consumer accuses the agency of threatening to send her husband to jail and have both herself and her husband fired from their jobs if they did not pay off the account. Here're the detail
  • Unnecessary harassments: This collection agency is accused of making calls to customers when they are at work. This is a clear violation of the FDCPA which prohibits collection agencies from making calls to customers while they are at work. The agency is even accused of harassing the consumer's relatives and family members. This is also a violation of the FDCPA.
  • Abusive behavior: The company's representatives are said to abuse customers over the phone. One customer complained that a representative used abusive language while his child was on the phone!

How can you stop harassment by CACH LLC?

If you want to stop the CA's harassment, you should take the following steps:

  • Ask for validation: First, ask the CA to validate the debt they're trying to collect on. Send them a validation letter asking for all the necessary documents that prove you owe the debt. Also check if the SOL has expired. In case it is, they cannot sue you for the debt.
  • Send Cease and Desist letter: If you do not owe the debt or the SOL has expired, CACH LLC collection agency cannot harass you. If they are still harassing you and your family, send them a cease and desist letter stating you want to deal with the original creditor directly. Under the FDCPA, they are not supposed to call and harass you after receiving a Cease and Desist letter letter from you.
  • Answer the complaint: If they file a lawsuit against you, file an answer and appearance to the complaint. If you don't, they can get a default judgment against you. When you go to court, make sure you have evidence to support your case.

What are the contact details of CACH LLC?

If, you need CACH LLC's contact information, the following details can help you:

CACH LLC Address:
4340, S. Monaco, Second Floor,
Denver, Colorado 80237.

CACH LLC phone number: 1-800-478-5541

Posts: 1
Credits: 746.15

We live in Texas. my husband is being sued by cach llc. we have been dealing w/ them for some time. I sent a letter to 2 different law firms representing them requesting information on the debt and received no response. The first was in 3/07 and the second was 12/07. He has never had a card with the bank they have listed. The lawsuit was filed by a different (this makes three that i am aware of) lawyer. We have received no paperwork from this one before.
From reading in this forum other questions, i know we need to answer the request for admissions. Do i also send a letter of debt validation to this new lawyer representing them? this has been a nightmare. My child is not able to answer the phone because someone was calling saying his dad was a worthless piece of sh..; they told him he was going to go to jail. They were calling him at work until he logged their numbers in as a don't answer id. They have called his mother telling her that he will be fired from his job. they have threatened to have me fired from my job. they have told him they would come take the money "out his a.." this is just a few of the things we had been dealing with. Once i sent a letter to the law firm, they stopped for a while. I don't even know if this is something he owes. He has only had one credit card ever and the limit was 2000, (They are trying to collect 7623) and this was before we were married 8 years ago. He had made payments on it for a long time, was not using it after we married at all. but like i said, we don't even know if this is related to what cach is doing. no one will answer that question.
Please help, what do i do?


Sub: #1 Collections
Mon, 02/04/2013 - 16:59

Wow! Sounds a LOT like Portfolio Recovery!

CACH just called me regarding a debt with GE Capital for a debt of $1200.00 I owe for dental work. Unfortunately, I do owe it... The lady was firm, but nice rude. She didn't threaten me and actually asked me for options. $900 to settle, at $300 per month.


Sub: #2 VuvYyuiECptkmdzach
Tue, 01/01/2013 - 00:19

T8dAHI tsyggwwmbxvt


Sub: #3 jTtdVVVxkGtow
Mon, 12/31/2012 - 01:01

This is both street smart and intlleigent.


Sub: #4 ZeroDebt
Fri, 08/10/2012 - 14:49

This is a trick, you must deny each request for admission within 30 days, in writing, if you don't they will use the requests to determine that you admitted them and then they won't have to prove anything and the judge will give them a judgment in their favor. Be sure to file an answer also, denying each allegation in the complaint.

Posts: 3
Credits: 243.85

Sub: #5 link for self defense in court ..
Mon, 04/04/2011 - 18:58

the link is no good ..

Posts: 3
Credits: 243.85

Sub: #6 I too am being taken to court by CACH LLC for an old capital one
Mon, 04/04/2011 - 18:47

I too am being taken to court by CACH LLC for an old capital one credit card that I stopped paying in March of 2009. The original debt was less than 900 and they are now suing me for 2400. My court date is May 19th. Do I need to file a motion to show cause before this date to make them prove that this is indeed my account? From the things others have said and the fact that they fish around in the summons appear to me that this may not even be my account. Plus the statement attached to the summons isnt even a copy of my agreement but the standard agreement which was not a reflection of my capital one agreement.


Sub: #7 I like many of the others responding to this page. CACH, LLC is
Sun, 04/03/2011 - 18:19

I like many of the others responding to this page. CACH, LLC is pursuing legal action in small claims court for a balance under 2500.00. They claimed I never tried to negotiate a debt payment plan with them. My court date is in June. One attorney advised me not respond; I need help badly; I am currently receiving SSDI and could not come up with the money they requesting. I have paid off other debts. Cach, LLC chose to sue me! I will be in court. Any advice on how to fight this law firm? also, I have never spoken to an attorney.


Sub: #8 CACH is part of or same as Square Two Financial now
Wed, 03/09/2011 - 15:32

CACH is part of or same as Square Two Financial now


Sub: #9 Good opinion :-)
Tue, 02/08/2011 - 03:02

Good opinion :-)


Sub: #10 Debt Collectors should stop
Mon, 02/07/2011 - 16:43

I think the government should stop debt collectors from purchasing accounts pennies under dollars.
Like isn't enough someone credit has being damage by the original creditor this collectors also file the same claim on your credit report.

I think the government should make the creditors Banks, credit cards and others collect their Debt.

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