CACH, LLC, is the legal name for Fresh View Funding, LLC, a debt buyer and collection agency. They are based on Denver, Colorado, but they also have an office in Overland Park, Kansas.
Address: 4340 S. Monaco Pkwy, Fourth Floor, Denver, CO 80237
Phone: (855) 441-5981
CACH, LLC, does business as Fresh View Funding, LLC. The company calls itself a “passive collection agency” because they buy the debts and then contract with various law firms who actively collect the debt on their behalf.
CACH, LLC, has been accused of violating several sections of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect non-existent credit card debts, failure to validate debts as requested in writing by consumers, and using threats, harassment, or abusive language on the phone. CACH, LLC, is an accredited business with the Better Business Bureau and has receive 138 complaints in the last three years.
While CACH, LLC, maintains that its intention is to “create payment solutions for [their] customers,” its actions prove it is no more than a disorganized, run-of-the-mill junk debt buyer. The company buys debts from various creditors but seems unable to always prove this debt is current and actually owed. One example of their lack of proper documentation is the 2011 case CACH, LLC v. Fatima. CACH, LLC, sued a consumer for unpaid debt but lost the case due to their lack of ability to prove their case. The New York court gave several reasons, including:
- The cardholder agreement CACH submitted to the court was not dated, was incomplete, and lacked the proper evidentiary foundation required for a business record.
- CACH’s affidavit submitted in support of the cardholder agreement was not made by someone with personal knowledge of the agreement.
- The credit card statement submitted to the court lacked evidentiary foundation from a bank representative (instead, it was accompanied by an affidavit from CACH, LLC).
- CACH’s affidavit in support was not based on personal knowledge. Instead, it was based on the “computerized and hard copy books and records of Bank of America,” none of which were attached to the affidavit.
- CACH’s “Bill of Sale and Assignment” referred to loans identified in a “loan schedule” but no such schedule was attached.
- CACH did not allege or prove that the defendant was given notice of the assignment.