CAVALRY INVESTMENTS, LLC

2019-01-14

Rochester, WA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response

2019-01-11

Hi Vista, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-01-10

Miami, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Cavalry needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. XXXX and XXXX have already issued XXXX in both XXXX and XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-09

FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I enter into a payment plan but it was impossible to pay thru there website as i was leaving out of the country and there was no other way to contact them or send payments.
Company Response: Closed with explanation

Timely Response

2019-01-09

FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I'm a XXXX that was abroad as and internship ; this card app did not accepted my payments from abroad and there was no way possible to apply payments or contact them from the country I was ; also as the balance went into red, they disable the app and i just couldn't get any more info about it.
Company Response: Closed with explanation

Timely Response

2019-01-09

Everett, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
Company Response: Closed with explanation

Timely Response

2019-01-08

Granada Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-01-08

Tucson, AZ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Cavalry Portfolio Service is claiming that I owe {$460.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Calvary is a printout of some bill from what they say is the original creditor. When I receive it in the mail I call Cavalry and explain that this bill doesn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-08

Ft Myers, FL

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I have been harassed for at least six months, if not longer, by a debt collector by the name of Cavalry, Calvary Portfolio. I have advised each and every representative that I am XXXX XXXX and to please stop calling me. Calls come in, and the second I answer, no one is on the other line. I hang up, the same thing happens minutes later, about 10 times a day. Ive asked them to stop calling my business line, Ive informed them Im XXXX XXXX and dont communicate well on the phone and to please text or email. They refuse, get agitated, and hang up on me. They refuse to tell me anything other than a made up first name, which I cant understand, no business name, demanding information from me. Its gotten so bad that Ive had to block the numbers. Ive done reverse searchs on all the numbers and they are all related to Calvary. On XX/XX/XXXX at XXXX I spoke to someone yet again advising them to stop calling, Im XXXX XXXX. OnXX/XX/XXXX at XXXX I received a call from XXXX once again advising Im XXXX XXXX and not to call my number again. Person kept asking for my name, but refused to identify what the call was or what company he was with. A message was left on my business voicemail on XX/XX/XXXX at XXXX XXXX, referencing a debt, the amount of the debt, my name, all personal information. It was difficult to understand as Im XXXX XXXX, from phone number XXXX. But I couldnt understand the complete message and phone number. These have all come after I repeatedly advised not to call me. Ive blocked most of the numbers six months ago due to robocalling and failure to cease and desist, but they just continue to call from new numbers. I have repeatedly texted asking for them not to call and blocked numbers dating back to the beginning of 2018, yet they are still calling. Its harassing as they call on a phone they know I dont always hear ring, I dont always understand messages or what the caller is saying, and they continue to call. Its harassment and must surly be against some ADA anti harassment law. They just wont stop. Ive been asking them to stop calling for about a year now.
Company Response: Closed with explanation

Timely Response

2019-01-08

Dallas, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: I've disputed account on multiple occasions. Amount is not correct. Account was charged off and closed. I did not sign a contract with Calvary Portfolio. I do not owe Calvary. I did not take out anything with Calvary.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-05

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-01-03

Tampa Palms, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-12-31

Fresno, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I just received an alert that an collection account that was part of my identity theft case is being report to my credit file. Calvary Portfolio Service Acct # XXXX {$6800.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-12-28

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-12-28

Land O' Lakes, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-12-20

Lafayette, LA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-12-14

Arco, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have unknown collections on my credit report which are not mine..And wrong address
Company Response: Closed with non-monetary relief

Timely Response

2018-12-12

Galena, OH

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: XXXX by XXXX in XX/XX/2017. Lost job, currently unemployable. Collection company sends letter every 6 months. Latest collection amount roughly twice original debt owed
Company Response: Closed with non-monetary relief

Timely Response

2018-12-06

Davie, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-12-05

Monroeville, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response

2018-12-04

Las Vegas, NV

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2018-12-04

Warren, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to Calvary so they no longer report any updates. Calvary states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. XXXX states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. The account listed on my credit report is XXXX, the collection agency I paid in full is Calvary Portfolio. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Company Response: Closed with explanation

Timely Response

2018-12-02

Hazlehurst, GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: On or about XX/XX/XXXX I sent validation of debt requests to Calvary PortfolioServices ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. Calvary, XXXX and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. Calvary, XXXX and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Company Response: Closed with explanation

Timely Response

2018-12-01

Washington, DC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-11-30

Magnolia, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Company Response: Closed with non-monetary relief

Timely Response