CAVALRY INVESTMENTS, LLC

2018-08-24

Swiftwater, PA

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

2018-08-22

Santa Ana, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: This is an invalid debt. The debt belongs to XXXX XXXX account that does not exist on my credit reports. I have sent multiple Debt Validation letters to CAVALRY PORTFOLIO SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX address and never received any information about this. Please take a look into this as they refused to validate my debt and sabotaging my credit report at the same time.
Company Response: Closed with explanation

Timely Response

2018-08-21

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I sent Cavalry Portfolio a dispute letter dated XX/XX/18 via XXXX certified mail for an alleged outstanding debt in the amount of {$750.00}. It was delivered to them and signed for on XX/XX/18. In my dispute I clearly ask for verification of any signed document by me that says I agree to pay or owe Cavalry Portfolio any outstanding debt. I have never spoken to any one from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe and I'm asking for copies of signed documents, bearing my signature to this account. Cavalry Portfolio has not provided that. What they sent me was a letter dated XX/XX/XXXX, which states they recieved my dispute and not even a copy of a bill ... but a statement showing final charge-off numbers. I followed that up with another certified letter dated XX/XX/18 that was signed for them on XX/XX/18. In this letter I continue to state they have not provided me with the signed account documentation I requested. My letter clearly states per FTC opinion letter from XXXX XXXX XXXX a copy of a bill is not verification. I want the names and contact information of anyone Cavalry Portfolio claims has verified this alleged debt. They responded by letter dated XX/XX/18 by resubmitting the same copy of charge-off figures. Obviously Cavalry Portfolio doesn't have any documents to verify this alleged debt they say I owe them, and are just stalling hoping I will go away. In my XXXX letter I said that I would contact this agency and make you aware of their tatics. If this account isn't immendiately deleted from my credit report, with all credit report agencies, and also not sold to another collection agency my next step will be court action.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-20

Columbus, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Cavalry claimed it had two accounts that they were collecting on that were allegedly owned by them and the debt was allegedly owed by me. I wrote a letter and mailed it on XX/XX/XXXX but they refused to respond. I have never received any demand letter for the accounts listed in the responses provided by the company. The following was the quote response on Ms. XXXX credit report in XX/XX/XXXX regarding two ( 2 ) accounts that its affiliate, Cavalry SPV I, LLC, owns. The Cavalry accounts in question are Cavalry account XXXX and Cavalry account XXXX. Pursuant to 15 U.S.C. 1681b, Cavalry had a permissible purpose to review Ms. XXXX credit report because Cavalry intend [ ed ] to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving thecollection of an account. Calvary does not offer credit and I don't owe anybody an uncollectible debt.
Company Response: Closed with explanation

Timely Response

2018-08-20

Anaheim, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-08-20

Tampa, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX I sent a letter to XXXX XXXX XXXX BOX XXXX XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that XXXX cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-17

SC

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Company Response: Closed with explanation

Timely Response

2018-08-15

Irvine, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-08-14

Douglasville, GA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-08-12

Burbank, 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

Timely Response

2018-08-12

Ehrhardt, 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

2018-08-10

Lakewood Village, TX

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-08-09

MN

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Calvery Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX My credit report shows a credit account not paid opened in XX/XX/XXXX of XXXX for {$1000.00} from some XXXX XXXX XXXX. I have not opened any credit accounts in XXXX and XXXX XXXX XXXX already shows up from XXXX after I became unable to work. I called the XXXX number above and she stated I would have to talk to their lawyers and would give me no information I believe they may be trying to collect a debt another company or sister company is already reporting and Im trying to get to the bottom of this.
Company Response: Closed with explanation

Timely Response

2018-08-01

Rocky Ridge, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-01

Main Office, VA

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: THE FCRA, Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account states on my credit report that it meets FCRA requirements when it does not. The collection agency have been requested in writing to validate this account in which they have not.
Company Response: Closed with explanation

Timely Response

2018-07-30

Alamosa, CO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Cavalry SPV I , LLC gave an old, out of statute and industry standard debt to XXXX XXXX XXXX to try and collect. XXXX per CFPB compaint # XXXX has agreed the debt is not collectible and has returned the account to Cavalry SPV I , LLC. They now need to close this account, as it is illegal, unethical, and bad business in general to try and collect this debt. They know they can no longer report the debt to credit reporting agencies as it has been removed from ALL credit bureaus. This was an ILLEGAL attempt to subvert law and industry standards to collect a debt that I do not owe.
Company Response: Closed with explanation

Timely Response

2018-07-30

Ridley Park, PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Company Response: Closed with explanation

Timely Response

2018-07-26

Blmgtn, IN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-07-26

Bammel, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-25

Phoenix, AZ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: This complaint stems from a card that I had with XXXX XXXX XXXX, which through the process of a home loan modification, which was suggested by XXXX XXXX XXXX, was closed back in XXXX. Calvary SPV apparently bought the debt that XXXX XXXX XXXX discharged and filed a lawsuit with XXXX XXXX XXXX XXXX on XX/XX/XXXX according to court records. They then filed a motion for alternative service claiming that I was clearly attempting to avoid being served, however, according to their motion, they were attempting to serve papers in the middle of the day and the server noted that there were always vehicles missing from the carport when service was attempted. The court approved the motion for alternative service on XX/XX/XXXX, and on XX/XX/XXXX, there was an affidavit of service filed with the court. At this point in time I had no idea any of this was going on, and I was never served. Without being noticed of this action, I had no opportunity to appear, which is rather convenient for these kinds of junk debt cases where the standing of Calvary SPV is questionable, and they have an issue with producing the required documents. On XX/XX/XXXX, Calvary SPV petitioned for a default judgement, which was granted on XX/XX/XXXX. Again, I had no knowledge of any of this, which seems to be the standard with about 95 % of these kinds of cases in Arizona according to what I've seen in researching this issue in the last month since i found out about this action. According to court records, Calvary SPV filed an application for a writ of garnishment on XX/XX/XXXX with my employer, with a return on XX/XX/XXXX, and an affidavit of service filed on XX/XX/XXXX. At this point, I still have no knowledge of any of this going on, nor does my employer. On XX/XX/XXXX I received an email from my payroll department with a second notice of garnishment attached denoting the amount that was now being withheld from my weekly paycheck due to this judgement from XXXX. This was the first time I was made aware of any of this. I made a trip to the justice court on XX/XX/XXXX and received copies of the paperwork filed by XXXX XXXX XXXX on behalf of Calvary SPV, along with the attempted service and the alternative service. I contacted XXXX & XXXX, still dismayed, and was told that " the process server nailed the documents to my front door '' according to their file. I have a metal front door and a metal security door, so that is not even possible. They did not seem concerned with the lack of service, nor did they want to address any of the issues now that they have a garnishment in place. On XX/XX/XXXX I requested a hearing on the garnishment issue along with the withholding percentage. A court date was set for XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX XXXX XXXX advising me that they would not be available for the coming court date and I should send them all my banking information so they could make a determination on my request for an adjusted withholding. When I declined to supply that, I was told they'd see me in court. On the morning of XX/XX/XXXX I showed up for court and was told the judge had just signed their motion to continue. It was at that point I was told I could file a motion to have the judgment vacated. I complied all the information, to include dates and a statement of facts and filed a motion to vacate with the court on XX/XX/XXXX. XXXX XXXX XXXX sent a response to my motion, which I received on XX/XX/XXXX, stating that the time had expired for any kind of motion and there was no explanation of why it took so long for me to respond, therefore my motion should be denied and the judgement and garnishment should remain in place. On XX/XX/XXXX, we had a court date for the garnishment amount hearing. At that time I filed my reply to Calvary 's response again citing issues of the statute of frauds, being that Calvary and I never had any contract and they don't have standing, and noting that they had been fined {$170000.00} in Arizona for bad behavior in cases dating between XXXX and XXXX, and mine was filed in XXXX, so it fits the narative, as well as a class action suit filed in Michigan for fraudulent documentation. At this court date, I had the opportunity to go over this issue for the first time with XXXX XXXX, the attorney for Calvary SPV, and he advised me that they would cut the garnishment amount in half if I would drop my motion to vacate, which struck me as odd. We went over the financials with the judge, and despite having {$5900.00} in monthly bills, and a take home check of {$6100.00}, he didn't see that the garnishment of close to {$2400.00} per month would create financial hardship. The court seems to be a rubber stamp for Calvary as this point, despite the service issues that are blatant, and my total lack of knowledge of the existence of this case. The amount they are claiming includes {$9900.00} for principle, {$4300.00} in interest, and {$140.00} in fees according to the default judgement from XXXX. They're currently claiming {$16000.00} in their paperwork that was sent to my employer in XX/XX/XXXX, which was the first time either of us found out about this issue.
Company Response: Closed with explanation

Timely Response

2018-07-24

Pembroke Township, IL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-07-24

Boston, MA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to arrest you or take you to jail if you do not pay
Complaint: this number call me and stay on my credit history for while and call me if i don't pay money they will make me go jail and come to house
Company Response: Closed with explanation

Timely Response

2018-07-24

Hazard, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-22

Richmond, VA

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

2018-07-19

Knights Ferry, CA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response