CAVALRY INVESTMENTS, LLC
Consumer Complaints
There are over 1933 complaints on file for CAVALRY INVESTMENTS, LLC. Dated between 2019-12-09 and 2013-07-10.
Complaints Page 12
2018-11-30
Crotonville, NY
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-11-28
OH
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: I am assisting XXXX XXXX XXXX with some credit issues. I am a XXXX and XXXX XXXX with XXXX XXXX XXXX XXXX. We have tried twice to get XXXX XXXX to discuss the account that they have on XXXX XXXX 's XXXX credit report. They will not speak with us. XXXX XXXX was in the office with me when we called them. They knew that she was in the office and they would not speak with us. She tried speaking with them on her own and they would not speak with her.
XXXX has this joint account as an individual account. I am enclosing the XXXX credit report showing the original XXXX account that is joint with her then husband, XXXX XXXX. Then you can see where XXXX XXXX has it listed as an individual account with only XXXX XXXX.
I am enclosing the decree of divorce between XXXX and XXXX XXXX from XXXX stating the XXXX account as joint and XXXX XXXX 's liability not XXXX XXXX 's responsibility.
I am attaching documents from XXXX County Municipal Court. I pulled up documents under XXXX XXXX 's name as there are no documents under XXXX XXXX 's name. But you can see in the original documentation that XXXX XXXX listed both XXXX XXXX XXXX AND XXXX XXXX XXXX and listed them at their address where they lived together. Somehow in following documents, XXXX XXXX XXXX 's name is taken off the documentation. XXXX XXXX approached her attorney to assist her in this court matter. Her attorney did file some documents on her behalf. XXXX stopped trying to get in touch with XXXX XXXX XXXX.
When they went to get personal earnings at XXXX XXXX XXXX, XXXX responded " never employed ''. Of course, XXXX XXXX had never worked at XXXX. XXXX XXXX XXXX still works at XXXX. Both XXXX and XXXX XXXX signed for this XXXX loan. XXXX has dropped XXXX XXXX 's name and apparently responsibility for paying the loan back. We have tried to dispute this through XXXX and XXXX XXXX never received documentation back. XXXX still has the loan reported as individual and not joint.
We have had no success in getting XXXX to speak with XXXX XXXX about this loan. We have had no success in getting XXXX to report the loan as a joint liability. We would, of course, like XXXX to try to garnish XXXX XXXX 's wages at XXXX since he is liable for the debt and he is employed. XXXX XXXX is on XXXX XXXX XXXX and has been since XXXX.
Company Response: Closed with explanation
2018-11-27
Bremen, GA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: In XX/XX/XXXX, I filed complaints ( XXXX and XXXX ) against the parties described in the narrative below. In XX/XX/XXXX, I received a response from your office providing responses from the parties. Having read the responses provided by the parties, I submitted feedback later in XX/XX/XXXX, believing the feedback would be reviewed by you and additional action taken to address my ongoing concerns. When I failed to hear anything further from you, I followed up with a phone call last week only to be told I had to file a new complaint. Please see the following which chronicles my ongoing dispute with these parties and please assist me in resolving this matter. Thank you.
XXXX XXXX XXXX ======================================================== XX/XX/XXXX Please treat this as my response to the responses provided to my complaint to you by both Calvary SPV1, LLC and to their Attorney XXXX XXXXXXXX XXXX.
First, I am further disputing Calvary 's response, particularly the chronology of events and, more adamantly, because I NEVER received any of the communication to which Calvary alludes.
The only communication I received from Calvary in relation to this debt was a letter dated XX/XX/XXXX, which appeared threatening and in violation of the FDCPA notification requirements. As such, I immediately responded to them to dispute the debt and to raise concerns about the content of the communication. Please see attached.
I heard nothing further from Calvary in response to my dispute. It is only in early XX/XX/XXXX I became aware that a lien was filed against my property as a result of the debt Calvary claims I owe, but still has not been able to conclusively establish.
Further, the sequence of events Calvary describes in their current response defies logic ; for example, Calvary states " On or about XX/XX/XXXX, the law firm filed a lawsuit regarding Mr. XXXX 's account '', then Calvary goes on to claim the lawsuit was served on XX/XX/XXXX and that the court entered judgment " On or about XX/XX/XXXX '' further claiming that " Following the entry of the judgment, on XX/XX/XXXX, a Writ of Fieri Facias '' was issued ... '' Please pay close attention to these dates, which are all over the place and clearly demonstrate the sequence of events could not have occurred as described.
Again, Calvary made no reference to having sent me this XX/XX/XXXX letter, but alluded to having received communication from me on or about XX/XX/XXXX disputing the debt. Calvary claims that upon receipt of this letter they " ceased collections on the account, initiated a review of the account, verified the information provided to the credit reporting agencies and confirmed the information provided to the credit reporting agencies ' reflects the dispute. '' Calvary also claims that " Pursuant to the requirements set forth in the FCRA, Calvary responded to Mr. XXXX 's dispute in writing. '' Please note Calvary DOES NOT state when exactly they supposedly " responded '' to me and I have no record of having received any response from Calvary in response to the dispute I sent to them in XX/XX/XXXX.
What is even more confusing is that in the very next paragraph of Calvary 's response, they go on to say that " In response to the validation request, Calvary initiated its validation process. On or about XX/XX/XXXX, XXXX mailed validation of the debt to Mr. XXXX ... '' I received no such information from Calvary and this claimed action also also begs a few questions.
For instance, Calvary states they first initiated " a review of the account ... '' mainly to verify information reported to the " credit reporting agencies '' then Calvary, in the very next paragraph of their response claims to have initiated its " validation process '', but unlike describing the specific actions taken in their " review '' of the account, Calvary provides no information about this " validation process '' except to say that " On or about XX/XX/XXXX, Calvary mailed validation of the debt to Mr . XXXX. '' First, I again dispute having received ANY such communication from Calvary. Second, it seems unrealistic and illogical that Calvary could have obtained from the original Creditor, XXXX, concrete validation of the debt I allegedly owned on the same day ( XX/XX/XXXX ) Calvary received my dispute and that they would have been able to send me that information the very day.
To date, I have NEVER received any actual/concrete proof from either Calvary or their Attorney,, XXXX XXXX XXXX. All I have been able to obtain so far are billing statements in my name claiming I owe a debt but despite disputing the debt more than once I have NEVER received anything, e.g. signature receipts/statements, etc., that I actually incurred the debt.
Finally, I would like to address Attorney XXXX XXXX XXXX 's response that also contradicts the timeline Calvary outlines in their response. I am disputing his statement that he first sent me a letter on XX/XX/XXXX. I absolutely did not receive such a letter. Had I received it, I would have immediately responded in the same manner that I responded to Calvary 's letter to me of XX/XX/XXXX. Also, I want to adamantly state that I NEVER received notice of a lawsuit, which Attorney XXXX XXXX XXXX states the " XXXX County Sheriff '' served me " notoriously '' " at your home address on XXXX XXXX XXXX on XX/XX/XXXX.
This notice was allegedly handed to " XXXX XXXX ( Nephew ) ''. While I do have a relative with a similar name, no such person resides at my home address, XXXX XXXX XXXX XXXX and my relative has absolutely no recollection of ever having received a visit from the XXXX County Sheriff, something he states he would surely remember, neither does he recall having received any such legal document on my behalf. He is equally adamant that he would have immediately handed it to me had he received such a serious document. What is more, although the " Sheriff 's Entry of Service '' under the section checked for " Notorious '' service asks for the party served to be " described as follows age, about -- -- ; weight, about -- -- pounds, height, about -- -- feet, and -- -- inches, ... '' none of this information was completed. It therefore seems reasonable to conclude that this document was NEVER served as described.
In light of all of everything I have detailed above, particularly the sequence of events, I am once again requesting your intervention to remove the lien that has been inappropriately placed on my property. I remain adamant that I NEVER received neither proper validation of the debt nor proper service of suit. Please assist me in doing so. Calvary states that they instructed Attorney XXXX XXXX XXXX to reach a resolution with me and I find this to be a reasonable resolution. Thank you for your further consideration and I look forward to hearing further from you.
Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation
2018-11-27
Rocky Ridge, MD
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Cavalry Portfolio Issues XX/XX/2018 On the evening of XX/XX/2018 I called Cavalry Portfolio Services ( XXXX ) XXXX to verify that my defaulted XXXX XXXX account placed with them for collection was paid off in a negotiated settlement. The balance due was around {$900.00} and we agreed to a settlement of {$600.00}.
Here is the conversation that occurred during the call : I told the Representative that I was still getting letters saying that the bill isnt settled. During the phone conversation the Representative said they didnt have any records of the bill being settled. The Representative than added that the only thing he can see is that a payment was returned for {$94.00} because of NSF. I asked for details about that payment, but he couldnt provide any details. I than ask how is it possible for a collection agency not have any records of our settlement agreement, payments received, but just a returned payment of {$94.00} for NSF, but no details on what the payment was for? His response was that if I wanted any information about the account I need to call XXXX XXXX XXXX ( XXXX ) XXXX.
The following telephone conversation took place with XXXX XXXX XXXX : Their representative XXXX XXXX stated my balance was {$410.00} and they were willing to settle for {$280.00}. I asked if there were any records of any past agreements or payments in my file? Ms. XXXX sad, there wasnt anything. I than ask could I pay {$94.00} to settle the account? She stated, let me consult with my Supervisor. She came back with a counter offer of {$240.00}. I told her that the most I would pay is {$94.00}, but I know I dont owe anything. At this point her Supervisor XXXX XXXX took over the conversation.
I asked Mr. XXXX can he see any settlement offers or payments in my file? He asked me how did I get their number? I told him the Representative from Cavalry Portfolio Services. I told him that I had reached a settlement offer with Cavalry Portfolio Service for {$600.00}. He again stated, there wasnt anything in the records.
Company Response: Closed with explanation
2018-11-22
Ft Myers, FL
Written notification about debt
Debt collection: Credit card debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: XXXX recovery {$1800.00} Was close and pay off As of XX/XX/2018 They remove from my credit report then now back in XX/XX/2018 they add it back into my report from all three reporting companies
Company Response: Closed with explanation
2018-11-21
Woodland Hills, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2018-11-18
Columbus, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2018-11-17
FL
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX notified me of a Derogatory Mark by a company called Cavalry Portfolio Se that I've never heard of. They are saying I owe {$3400.00} to them and put the mark on all 3 credit bureaus. Date is showing as XX/XX/2018. I've never opened anything at all in XX/XX/XXXX.They call me repeatedly from multiple phone numbers posing as a " local '' number and it's to my mobile number which I use for my business. It's ridiculous being on the phone with potential clients and having the same numbers beeping in. I've said repeatedly that I have no idea what debt they are referring to and to send me something showing my name, and my signature with their company deemed with this ridiculous amount otherwise to stop calling me. I still receive phone calls. My next course of action will be to contact an attorney to handle this if it's not resolved.
Company Response: Closed with non-monetary relief
2018-11-16
Sebring, FL
Improper use of your report
Vehicle loan or lease: Loan
Credit inquiries on your report that you don't recognize
Complaint: In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Company Response: Closed with explanation
2018-11-15
Queens, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: CAVALRY PORTFOLIO SVCS are reporting on my credit report claiming that i owe them {$620.00} which i do not recall making business with them.i demand that they remove that derogatory account my my credit report immediately.
Company Response: Closed with non-monetary relief
2018-11-14
Orange, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-11-13
Chicago, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-11-09
Rncho Domingz, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report.
On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''.
First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account.
For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : CAVALRY PORTFOLIO SERV ACC # XXXX CAVALRY PORTFOLIO SERV ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Company Response: Closed with non-monetary relief
2018-11-06
Chicago, IL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-11-05
AR
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Cavalry SPV I, LLC which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Cavalry SPV I, LLC has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Cavalry SPV I, LLC. Cavalry SPV I, LLC is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Company Response: Closed with explanation
2018-11-03
KY
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: Cavalry SPVI, LLC is taking me to court and trying to take money out of a bank that I don't use anymore. They wants me to pay the court cost. They do this every few months. Every time it is {$10.00} in court cost. the account has been closed over 2 years! they have tried over six times in the past year and half. It is getting ridiculous. I understand two times but this is harassment! when the Bank tells you the account is closed then its closed. there is no reason to keep beating a dead horse.
Company Response: Closed with explanation
2018-11-01
IN
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018.
I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me.
I have all documented communication.
Company Response: Closed with explanation
2018-11-01
Bellaire, TX
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: I am writing to dispute the following information in my file.
This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information.
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
Company Response: Closed with explanation
2018-10-31
Jupiter, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from Calvary Portfolio Services ( see attach letter. ) I never received any validation of the debt from this collection ageny but it continues to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to Calvary three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
Company Response: Closed with explanation
2018-10-29
Doddridge, AR
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
2018-10-28
Brooklyn, NY
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX Todays date : XX/XX/XXXX XXXX XXXX XXXX XXXX New York XXXX CAVALRY-PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Social Security Number : XXXX XXXX : ACCOUNT IN DISPUTES : XXXX-Acc # XXXX Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : XXXX DL # : XXXX XXXX XXXX D.O.B. : XX/XX/XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX, IA XXXX Tel : ( XXXX ) XXXX Cc : Attorney Generals Office, Consumer Complaint XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX : XXXX
Company Response: Closed with non-monetary relief
2018-10-25
South Florida, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX and XXXX and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.
Company Response: Closed with non-monetary relief
2018-10-23
Columbia, TN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-10-22
Asbury Park, NJ
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-10-22
Eden, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation