CAVALRY INVESTMENTS, LLC

2018-09-24

Stamford, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-09-21

Smyrna, SC

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 explanation

Timely Response

2018-09-20

Raleigh, NC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-09-19

AR

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On XX/XX/XXXX @ XXXX hours Cavalry Portfolio Service received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I received a letter dated XX/XX/XXXX stating " the dispute lacked specific facts or information which would allow us to conduct an investigation ''. " Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA ''. I find this totally erroneous and unacceptable from Cavalry Portfolio Service.. As per the Fair Debt Collection Act, section 809 ( b ), Cavalry Portfolio Service is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Cavalry Portfolio Service received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Cavalry Portfolio Service has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Company Response: Closed with explanation

Timely Response

2018-09-19

North Prosser, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have contacted the company on several times, requesting them to validate accounts that they are saying are mines. However, the company has sent me duplicates of billing statements in an event to validate the accounts. This is not proof that the debts are indeed mines. In order to resolve these accounts, I need the company to verify these accounts by providing a signed contract.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-18

IN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I need to report violations of the FDCPA by XXXX and Cavalry Portfolio Services in regards to an alleged debt in my name. Cavalry is attempting to collect a debt that doesn't exist. They claim it is a XXXX credit card debt I had from XX/XX/XXXX-XX/XX/XXXX and even filed a lawsuit in the XXXX XXXX courts which honestly prompted me to make a few payments to avoid the lawsuit. I finally looked into the debt because I didn't remember ever having a credit card that long and I noticed the paperwork Cavalry sent me was stating an APR of 29.99 % which immediately told me something was wrong. I was in the XXXX XXXX on XXXX XXXX during that entire time period and never had anything with an APR that high because thanks to the Servicemembers Civil Relief Act I was entitled to a 6 % APR on all my credit lines. I must assume this paperwork is modified or not real at all so I begin to do some research and I don't find anything anywhere showing I had a XXXX credit card during those times. I did however find a XXXX credit card debt that was closed satisfactorily in XX/XX/2007. The chances of me closing a credit card and then opening the same exact card again 27 days later is very, very unlikely. This is clearly a fabricated debt with an unlawful APR, fabricated documents and a lawsuit that I just lost {$320.00} on trying to do the right thing. Although the debt doesn't exist Cavalry filed suit anyway and collected 3 payments from me without ever attempting to mention anything. Even the document showing alleged account information shows the open and close date with an address I didn't live at during either of those times. All the information is wrong and yet they are reporting this account to the credit bureau 's and since I made those payments Cavalry has re-aged the debt thus performing yet another illegal credit act. I have informed Cavalry about this, I have called XXXX and I have sent disputes through the credit agencies but they refuse to leave me alone. Please help me get this taken care and ensure all companies involved are punished accordingly. Thank you for your time.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-14

Plymouth, FL

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: On XX/XX/XXXX a settlement was agreed upon to settle an old account with an agreement to remove lawsuit and delete from all credit bureaus upon cashing of check. Check sent with agreement via certified mail. Signed for and then cashed on XX/XX/18. Lawsuit dropped and account changed to {$0.00} bal on reports but failed to delete from reports as agreed upon. Clearly stated in letter and on check ( documents attached ) CASH to delete. Company refuses to delete which is a violation of agreed contract.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-12

Stockbridge, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2018-09-12

Canton, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2018-09-12

Fleming, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XX/XX/XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from XXXX XXXX XXXX XXXX to XXXX XXXX. In XX/XX/XXXX cavalry said they acquired this account. On XX/XX/XXXX cavalry states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-11

Plymouth, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I sent a certified letter to the Cavalry collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.
Company Response: Closed with explanation

Timely Response

2018-09-10

Cheverly, MD

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-09-08

White Mills, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-06

Baton Rouge, LA

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

2018-09-04

Hinsdale, IL

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

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

Investigation took more than 30 days
Complaint: I have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of XXXX
Company Response: Closed with explanation

Timely Response

2018-09-04

NV

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Cavlary posted a collection account on XX/XX/XXXX but I never received any notification of this debt prior to them placing it on my account. In XX/XX/XXXX I discovered it on my report and I have made numerous requests for this to be removed from my credit reports. I received no debt validation, and they refuse to contact me. Their contact information is incorrect on my credit reports, and they have completely failed to validate my debt, despite numerous requests.
Company Response: Closed with explanation

Timely Response

2018-09-04

East Elmhurst, NY

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

2018-09-04

Havana, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: In XX/XX/2018, I disputed a collections account with all 3 credit bureaus where Cavalry Portfolio reported that I owe money in the amount of {$1400.00} on behalf of XXXX. As a result Cavalry Portfolio updated my account with a note saying they conducted an investigation and that it met the FCPA along with claiming I made a payment to them which I did not along with my account being past due. I also sent a letter to Cavalry in XX/XX/2018 requesting them to validate the debt which they ignored and just sent me a bill. The XXXX account that Cavalry claims I owe money to is not on my credit report. XX/XX/XXXX I contacted XXXX and requested any documentation they may have but was told they did not have any current information where I owe a debt. The last account I had with XXXX was closed out over ten years ago which would exceed the statue of limitations for appearing on my credit report. I have not been provided any information to show that I owe this debt and that Cavalry is licensed in the state of Florida to even attempt to collect the debt.
Company Response: Closed with explanation

Timely Response

2018-09-03

Pardeesville, PA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-09-03

Pardeesville, PA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-08-31

Norwalk, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and Cavalry is not following the law by not providing proper proof to consumers in which they wish to collect from.
Company Response: Closed with explanation

Timely Response

2018-08-30

Main Office, VA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I discovered this in XX/XX/XXXX. Since this time, I have been trying to fix this issue with the Company to no avail. Pursuant to the Fair Credit Reporting Act, Calvary Portfolio Services is in violation of RE-AGING an account and reporting inaccurate and false information to XXXX that they have now CERTIFIED. XXXX XXXX Acct # XXXX, by all other credit bureau accounts, note the above account as having been OPENED in XX/XX/XXXX closed with a XXXX balance. However, Calvary Portfolio Services reports the same account to XXXX, opened with a {$1000.00} -- stating it was opened on XX/XX/XXXX. I have no knowledge of such an account. XXXX is refusing to re-investigate it because CPS have certified to this inaccuracy. From investigation, this company has a history of re-aging accounts and attempting to collect them.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-30

Agoura Hills, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-08-28

WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Cavalry SPV 1, LLC, keeps sending documents saying I owe a debt to them. I dont know who these people are and why they are sending statements that arent mine. On XX/XX/2018 I sent letters to them through the XXXX Returned receipt XXXX XXXX. I requested VALIDATION. So far they can not VALIDATE this debt and send copies of statements that arent mine. They have violated FCRA, FDPA.
Company Response: Closed with explanation

Timely Response

2018-08-25

Jamaica, NY

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response