ComplaintsforCACH, LLC

• Initial Complaint

  08/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello, I do not have an account with Cach LLC. It is fraud and I want you to please stop harassing me. I do not want any contact about this debt. The debt is not mine. I have not opened this account and have not purchased anything from Cach. Please remove all my information from your records. This account is fraudulent and does not belong to me. Thank you.

  Business response

  09/07/2023

  August 30, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* *******; Case/File No. ********
  Account Number: ****************
  Original Creditor: ***** ***** ***** ****
  Current Owner: CACH, LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 24, 2023
  regarding the referenced account (the “Account”). CACH, LLC (“the Current Owner”) currently owns the
  Account, having acquired it on January 20, 2012. Resurgent Capital Services L.P. (“Resurgent”) is the
  servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* *******’s inquiry and believe the following information will address their concerns.
  
  The Account originated on February 1, 1997 with ***** ***** ***** **** The last payment in the
  amount of $102.00 was received on May 6, 2011. The Account charged off on December 31, 2011 with a
  balance of $5,523.84. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $6,083.17.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. However, the Current Owner
  is not reporting the Account to the credit bureaus and will not report it in the future.
  
  Resurgent does not condone harassment or unprofessional communication with customers, as it is
  our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
  Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
  we found no evidence of the mishandlings alleged in the inquiry.
  
  ******* *******’s August 22, 2023 inquiry contains a request to cease communication with them.
  We have therefore placed a restriction on the Account so that our office initiates no further contact with the
  customer, except to respond to specific requests.
  
  If, after reviewing the above-referenced information, ******* ******* believes this Account to be
  fraudulent, we ask that they provide one of the following documents in order to help us resolve this matter:
  a completed police/incident report, a notarized affidavit of fraud or identity theft, or an Identity Theft Report
  generated via **********************
  
  In addition, if ******* ******* has any correspondence to/from the previous creditors or any
  additional documentation concerning their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  I hope my response has addressed all of ******* *******’s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  02/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I keep receiving a notice from this company about a debt that isn’t mine. I have no knowledge of this debt. This is fraud

  Customer response

  02/15/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  
  Regards,
  
  *********** *****

  
  

  I’m rejecting this response from the business because after reading CASH LLC response and looking at their attachment of a judgement. First on this judgement it shows such credit card was opened on 2/25/08 and at that time I was in High School and knew nothing about applying for credit or anything of that matter. Second they are saying I was served a summons 11/16/11 and I’m not sure why they say that because I haven’t signed for anything and wasn’t served anything. Lastly, them showing me a judgment and not actually showing I opened this account and where these charges relate to me isn’t sufficient enough. This is fraud and it seems someone stole my identity during this time and I’m not aware of how this happened. 

  Business response

  03/15/2023

  February 14, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: *********** *****; Case/File No.: ********
  Account Number: ****************
  Original Creditor: ** ***** Bank
  Current Owner: CACH, LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received February 6, 2023
  regarding the referenced account (the “Account”). CACH, LLC (“the Current Owner”) currently owns the
  Account, having acquired it on December 22, 2010. Resurgent Capital Services L.P. (“Resurgent”) is the
  servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  *********** *****’s inquiry and believe the following information will address their concerns.
  
  The Account originated on February 25, 2008 with ** ***** Bank and was opened with ****
  ******. The Account charged off on November 18, 2010 with a balance of $1,007.70. No payments have
  been received on the Account since it was acquired by the Current Owner. As of the date of this
  communication, the current Account balance is $1,933.93.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. However, the Current Owner
  is not reporting the Account to the credit bureaus and will not report it in the future.
  
  The Account was previously charged off. Charging off an account does not satisfy the debt, nor
  does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
  the right to collect the account.
  
  A judgment was obtained December 28, 2011 in the Superior Court of **** ******, Civil Division,
  Indiana with case number *******************. Our records indicate that *********** ***** was served
  the summons and complaint on November 16, 2011. Enclosed is a copy of the judgment for review. Because
  this debt is the subject of a valid, legally enforceable judgment, Resurgent considers the debt to be valid
  and this dispute to be resolved.
  
  
  I hope my response has addressed all of *********** ******s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)

  Business response

  03/15/2023

  February 24, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: *********** *****; Case/File No. ********
  Reference Number: *********
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by *********** ***** dated February
  16, 2023 regarding the referenced account (the “Account”).
  
  Resurgent has reviewed *********** *****’s additional concerns. From our review, we believe their
  concerns were already addressed in our response to their previous inquiry dated February 6, 2023. We are
  enclosing a copy of our previous response for review.
  
  Please also see the enclosed additional information about the judgment with case number ****** ************* for review.
  
  If *********** ***** has any additional documentation concerning their dispute, we ask that they
  please forward it to:
  
  Compliance Department or Fax: 866-467-0918
  ** *** Attn: Compliance
  P.O. Box *****
  Greenville, SC 29603
  
  I hope my response has addressed all of *********** *****’s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at 1-888-*********
  
  Respectfully,
  
  
  
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  
  
  
  
  

• Initial Complaint

  02/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently checked my credit report and noticed I had a collection from (CACH LLC/RESURGENT CAP) that was opened in (12/23/2015) balance is ($2126.00) with account number starting in (****************) I do not recall and am not liable for. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with (CACH LLC/RESURGENT CAP). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this allege creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports.Pursuant to 15 U.S. CODE 1681b(a)(2)- Permissible purpose, of consumer reports. (A) in general Subject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other (2) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also identity theft! You have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further More You (Cach LLC) Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self. Violation: 15 USC 1692b(5), 15 USC 1692(2)(A), 15 USC 1692e(3), 15 USC 1692(6)(B), 15 USC 1692(9), I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

  Business response

  03/30/2022

  March 7, 2022
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: **** *******; Case/File No. ********
  Account Number: xxxxxxxxxxxx****
  Original Creditor: *** ******* **** * ***** Company
  Current Owner: CACH, LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received February 25,
  2022 regarding the referenced account (the “Account”). CACH, LLC (“the Current Owner”) currently owns
  the Account, having acquired it on December 23, 2015. Resurgent Capital Services L.P. (“Resurgent”) is
  the servicer of the Account.
  
  A lawsuit is currently pending on this Account with case number *******/** in the Civil Court of
  the City of New York, ***** ******, New York. As this case is still pending, Resurgent is unable to
  respond to **** *******’s concerns at this time.
  
  If **** ******* wishes to contact our third-party servicer handling this lawsuit, they may call
  ********* Law Group, LLP at 1-855-********. If they have any questions or concerns after case number
  ******/** has been adjudicated, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  Teisha
  Compliance Department
  Resurgent Capital Services L.P.
  
  

• Initial Complaint

  12/23/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  CACH, LLC has been garnishing my wages since 2013. I was unaware of the garnishment for an extended period of time. I have been trying for years to get more information but I do not have the money to hire an lawyer to advise me. I have been unable to obtain any information. Their web site directs me to resurgent capital services which has no information regarding the garnishment. I would like the garnishment to stop and be refunded if the garnishment has been unlawful and removed from my credit report.

  Business response

  01/10/2022

  December 29, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******** *******; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****
  Current Owner: CACH, LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received December 27,
  2021 regarding the referenced account (the “Account”). CACH, LLC (“the Current Owner”) currently owns
  the Account, having acquired it on January 20, 2010. Resurgent Capital Services L.P. (“Resurgent”) is the
  servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******** *******’s inquiry and believe the following information will address their concerns.
  
  The Account originated on May 22, 2006 with ****. The Account charged off on December 31,
  2009 with a balance of $8,048.55. As of the date of this communication, the current Account balance is
  $3,950.20. A bill statement on file for the Account is enclosed for review.
  
  A judgment was obtained December 21, 2011 in the Common Pleas Court, ******** County, Ohio
  with case number **********. Our records indicate that ******** ******* was served the summons and
  complaint on July 5, 2011. Enclosed is a copy of the judgment for review. A garnishment was initiated by
  our third-party servicer on September 3, 2013, and as of the date of this communication, a total of
  $10,030.42 has been garnished. Please review the enclosed Affidavit, Order, And Notice of Garnishment
  and Answer of Garnishee for more information regarding the garnishment.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. However, the Current Owner
  is not reporting the Account to the credit bureaus and will not report it in the future.
  
  The Account was previously charged off. Charging off an account does not satisfy the debt, nor
  does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
  the right to collect the account.
  
  I hope my response has addressed all of ******** *******’s concerns. If there are any further
  questions, comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  
  

• Initial Complaint

  10/04/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received an email from CACH, LLC on March 17, 2021 that stated as follows: Dear ****** *****, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options: You may resolve your account for $2,684.06. To accept, make your payment by April 16, 2021. I made a payment in the amount of $2,684.06 on March 30, 2021. After 30 days, this debt was still showing on my credit report. I contacted the 3rd party collection agency, ******* ******** *********, on May 3, 2021 and they provided me a letter that states that my balance owed to CACH, LLC is now $0. I just received an email today, October 1, 2021, from another agency named ********** on behalf of CACH, LLC requesting a payment of $5,703.64 for this same debt. The current account number is

  Customer response

  10/07/2021

  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. I have gotten this response from ******* ******** *********, that it would be removed in 30 days, before.  I will review my credit report and if the item has not been removed in 45 days I will reach out for your assistance again.
  
  Regards,
  
  ****** ***** 

  Business response

  10/08/2021

  October 6, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ****** *****; Case/File No. ********
  Account Number: *******************
  Original Creditor: ***** ***** Bank
  Current Owner: CACH, LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received October 5, 2021
  regarding the referenced account (the “Account”). CACH, LLC (“the Current Owner”) currently owns the
  Account, having acquired it on September 29, 2016. Resurgent Capital Services L.P. (“Resurgent”) is the
  servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ****** *****’s inquiry and believe the following information will address their concerns.
  
  The Account originated on December 2, 2015 with ***** ***** Bank. The Account charged off on
  August 8, 2016 with a balance of $11,326.85.
  
  Resurgent, as master servicer for the Current Owner, uses third-party servicers (“Servicers”) to
  service accounts on its behalf including ******* ******** *********. We have confirmed that the Account
  was satisfied in full on March 30, 2021 for a final payment of $2,684.06. The Account is considered
  resolved in our office, and ****** ***** should not be contacted by Resurgent or any affiliated companies
  regarding the Account. A request to delete the Current Owner’s tradeline will be submitted to the credit
  bureaus during the next monthly reporting cycle. It may then take additional time for this to be reflected in
  the credit report. We apologize for any inconvenience ****** ***** may have experienced regarding the
  collection of this Account.
  
  I hope my response has addressed all of ****** *****’s concerns. If there are any further questions,
  comments or concerns, they may contact me via Customer Service at 1-888-********.
  
  Respectfully,
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  
  
  
  
  
  
  
  
  

• Initial Complaint

  08/03/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with the original creditor and i do not have a contract with cach llc plus they did not provide me with the original application like i asked I demand this account be deleted with my credit report

  Business response

  08/19/2021

  August 10, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* ******; Case/File No. ********
  Account Number: ***********
  Original Creditor: **********, Inc.
  Current Owner: CACH, LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 6, 2021
  regarding the referenced account (the “Account”). CACH, LLC (“the Current Owner”) currently owns the
  Account, having acquired it on December 23, 2016. Resurgent Capital Services L.P. (“Resurgent”) is the
  servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* ******’s inquiry and believe the following information will address their concerns.
  
  The Account originated on June 27, 2016 with **********, Inc. The Account charged off on
  November 25, 2016 with a balance of $1,160.36. No payments have been received on the Account since it
  was acquired by the Current Owner. The current Account balance is $1,160.36.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner’s tradeline for this Account is being reported as “disputed” to the credit
  bureaus. It will continue to report as such throughout the permissible reporting period unless new
  information indicates that the dispute should be removed.
  
  The enclosed letters containing verification of debt were mailed to ******* ****** on March 24,
  2021 and July 29, 2021. This Account has been properly verified as required by the Fair Debt Collection
  Practices Act (“FDCPA”). Additionally, we are providing the enclosed promissory note on file for this
  Account.
  
  I hope my response has addressed all of ******* ******’s concerns. If there are any further
  questions, comments or concerns, they may contact me via Customer Service at 1-888-********.
  
  Respectfully,
  
  
  
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)

*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. ↩