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 16
2018-07-19
Key Biscayne, 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: Cavalry Portfolio Services is reporting a collection account to all 3 credit companies in the amount of {$650.00} this account is not mine I have been disputing this for a long time account dated XX/XX/2012 ... I need written confirmation that this is my account.
thanks
Company Response: Closed with explanation
2018-07-18
Keyport, WA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2018-07-16
Hiram, 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
2018-07-16
Birds Lndg, CA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-07-14
Coalinga, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: This is a long story and has withstood for too long I am now extremely fed up with the Customer Service of this company, it's harassment, and unethical debt collecting practices. Sad that these people are even able to call themselves debt collectors. Let me begin my complaint by stating some facts.
In the first two week of XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating that they were collecting a debt on behalf of Cavalry Portfolio Services, the debt which supposedly originated from a XXXX account. The Account Balance stated was {$1800.00} however, they were offering a settlement amount of {$1100.00}. This seemed odd to me that a debt collection I wasn't aware would approach me through a third party and offer me a settlement offer right of the bat. I assumed this was some sort of scam, but regardless tucked the letter away for record keeping. As the months passed by and this account became irrelevant to me I suddenly received a second letter from a different THIRD PARTY collector by the name of " XXXX XXXX XXXX '' on XX/XX/XXXX stating that they were collecting on behalf of XXXX for the alleged XXXX account. They claimed that they would escalate to a law firm if the amount was not paid. At this point I decided to check my credit reports and realized that this account was indeed on my reports as a collection account. I freaked out, I was not aware that debt collectors could just report accounts as collections without validating them first. At this point I began to consult professionals on this matter and stressfully assume that at this point my life was over. Within a month on the XXXX of XXXX of this year I received another letter yet again from " XXXX XXXXXXXX XXXX '' about the alleged debt, claiming that they would allow me to settle the debt for less than owed. At this point I decided to draft a debt validation letter, however due to my young age of XXXX years and lack of experience with this subject I decided to stand by and hope it would blow over. On XX/XX/XXXX I received yet another letter. However this time it was directly from XXXX XXXX, stating that I must act within 30 days in order for the alleged account to not be placed with a law firm. At this point I freaked out and soon received a call from them in which they offered to delete the account from my credit report if I paid in full. Reluctantly I agreed, as I am approaching homeownership and was in urgent need to get this off my credit report. Before the payment was being processed I decided to consult with an attorney and inquire about this issue I was having. I was advised to not allow XXXX to aggressively harass me in this manner, at that point I decided to send the debt validation letter in which I clearly stated that I wanted clear Validation that the account was mine or removal of it from my reports. It was clear and concise, and somehow XXXX responded by saying that they weren't sure of what I was trying to dispute but that they would agree to put my account in a dispute status and would respond in 150 days. ANOTHER WAY FOR THEM TO CONTINUE TO REPORT AN ALLEGED AND UNVERIFIED ACCOUNT ON MY CREDIT REPORTS WHILE RUINING MY CREDIT AND TRYING TO AGGRESSIVELY FORCE ME TO PAY AN UNVALIDATED DEBT, COMPLETELY ABSURD THAT SOMEONE CAN DO THAT!!!!! If this is legitimately my debt why couldn't they simply send a correspondence verifying it, instead they decided to use a technicality to prolong the process in order to try to get me to pay the alleged debt.
All this shows a pattern of increased harassment from Cavalry, their inability to provide validating correspondence on this debt is pure utterance of their fraudulent manners. They escalate their threats and harassment 's and when they see you don't abide by what they say they offer you more enticing ways to end the " issue '' such as offering a less amount or offering to delete this from your credit report if you pay.
The Fair Debt Collection Practices Act and the Fair Debt Collection Practices act states that collectors may not use false or misleading statements to garner a debt. Something that Cavalry did throughout this whole process, but most importantly these Acts state something very clearly. BOTH OF THESE ACTS STATE THAT DEBT COLLECTORS ARE OBLIGATED BY LAW AND BY CONTRACT WITH THE CREDIT AGENCIES TO REPORT ACCURATE INFORMATION. NOT ONLY ARE THEY NOT REPORTING ACCURATE INFORMATION, BUT IF THIS ALLEGED ACCOUNT WERE TO BE VALID THEIR OFFERING OF PAYING TO DELETE WOULD HIGHLIGHT VIOLATION OF THE CREDITORS AGREEMENT TO REPORT ACCURATE INFORMATION.
Cavalry plays the hostage game of holding your credit hostage until you pay the amount and offering to delete it once they get their money on a debt that has never been validated!!! I have spoken to my a professional advisor on this matter and I have hereby decided I will be contacting my State 's General Attorney office to bring these shady debt collection practices to their attention and help stop these unfair and illegal practices.
Company Response: Closed with explanation
2018-07-13
San Jose, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I'm writing to disputed an unknown debt collection that I have been harassed by Cavalry SPV I , LLC. I have been received Mails and phone calls harassment to attempt to collect the debt that I did not inform. I believe my information has been used without my consent. Please investigate thoroughly as the phone calls harassment from Cavalry SPV I , LLC has caused me a tremendous amount of emotional toll and felt threatened by this company.
Company Response: Closed with explanation
2018-07-12
Black Horse, PA
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
2018-07-12
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Earlier this month, XX/XX/2018, The above debt collector called my residence and gave my husband information about my debt. My husband was unaware of this and was not an authorized user or co-signer. I called the debt collector to speak to managment and tell them my rights under FDCPA had been violated and I planned to take action. The VP of the company, XXXX XXXX provided me with the address of their company to submit any paperwork.
Company Response: Closed with non-monetary relief
2018-07-11
PA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have written Cavalry 7 validation of debt letters within the past 6 months, ( dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ) which clearly outlines the specific documents to be sent to me under my Fair Debt Collections Practices Act rights. To date, I have received none of the specific documents I have asked for in my validation of debt letters. I have asked repeatedly for Cavalry to send the information to be sent to me to validate debt claimed owed, but Cavalry has IGNORED all of my written validation of debt requests by not sending the documents I have asked for in my letters. Cavalry is claiming that the account information is accurate and true, which is false because they have not fully complied with my validation of debt letters and federal law. Cavalry is also reporting false information to the credit reporting agencies, because they have not sent me the specific documents I have asked for in order to validate debt claimed owed.
Company Response: Closed with explanation
2018-07-11
Bakersfield, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: I have sent two Debt Validation letters ( XX/XX/2018, XX/XX/2018, ) to Cavalry Portfolio Services requesting proof that I owe Them money for an alleged debt. I asked them to provide me with any paperwork with my signature to prove that I agreed to pay Cavalry Portfolio Services for this alleged debt. Cavalry Portfolio Services has failed to provide me with any proof that I owe Cavalry Portfolio Services any money or that I have signed any paperwork agreeing to pay them any money.
I also asked Cavalry Portfolio Services to stop reporting negative information to the three ( 3 ) major reporting bureau 's ( XXXX, XXXX or XXXX ) until they provide me with proof that I owe Cavalry Portfolio any money. They have failed to stop reporting invalidated information the three ( 3 ) major reporting bureau 's.
Company Response: Closed with explanation
2018-07-09
Bremen, GA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2018-07-08
San Diego, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: Cavalry SPV l. LLC. a Junk Debt Buyer is trying to sue me for a very old debt. they are trying to sue a XXXX person on ssid = me. they are XXXX
Company Response: Closed with explanation
2018-07-07
Keyport, WA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2018-07-06
Arco, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Additionally, I noted that my credit report is adversely reflecting the following accounts : FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : CAVALRY PORTFOLIO SPV : # XXXX**** I LLC AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX
Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : XXXX XXXX XXXX
Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).
XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.
XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX, IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX CERTIFICATEOF MAILING FILED.XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUMMONS ISSUED.
XX/XX/XXXX SUMMONS FILED.
Company Response: Closed with explanation
2018-07-06
Aspen Hill, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-07-05
San Jacinto, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: In XX/XX/XXXX I checked my credit report and came across a delinquent credit card. I opened the credit card with the original creditor XXXX XXXX back in XXXX. I hadn't used it past XX/XX/XXXX /XX/XX/XXXX as I lost my job and started to short sell my house in that timeframe as well. This account eventually was charged off and purchased by Calvary Portforlio Services XX/XX/XXXX. I disputed with them in XX/XX/XXXX stating that it shouldn't be reporting due to the age of the account. Their response was that it was reporting accurately and will remain on my credit report for another 3 years. So does that mean that everytime 7 yrs approaches that I will owe it continuously. I have attempted to try to get this fixed by a couple of attorney offices to no avail. In XX/XX/XXXX I applied for a car loan with my credit union and was declined due to this reporting on all 3 of the credit bureaus. I purchased a vehicle XX/XX/XXXX at a APR of 11.9 % which was not the APR that I was hoping for.
Company Response: Closed with explanation
2018-07-03
Fort Worth, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-07-03
Watkins, CO
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
Complaint: XX/XX/2018 Reference : Formal Complaint against Calvary Portfolio Services, LLC.
On XX/XX/XXXX I received my Credit Report from XXXX, and in this report appears that the Calvary Portfolio Services, LLC. reported three debt collection accounts against me.
These the following debt collection accounts that Calvary Portfolio reported against me, at XXXX of my XXXX Credit Report : 1- First Debt Collection Account : {$1200.00} 2. Second Debt Collection Account : {$1600.00} 3. Third Debt Collection Account : {$980.00} On XX/XX/2018 I sent a certified mail with service return to : CALVARY PORTFOLIO SERVICES , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX, to dispute these debt collection accounts, but this company never sent me the copies of the information that I requested : The last statement of my last payment to the original creditors for all debt collections accounts. This important to determinate the Statue Limitations for these debt collections, also because I initiated these accounts some years ago in XXXX, Florida, and the Statue of Limitations in Florida is 5 years.
Also, because a Law Firm XXXX XXXX XXXX sent me a letter to force me to pay a debt collection account of XXXX, XXXX, {$1200.00}.
But, I called XXXX, XXXX, and they informed me that I don't have any pending account in their system, and I gave them twice my social security, but for this document they can't find any pending debt for my name and last name. The problem is that credit account is not mine.
I request an investigation against this company, because they informed inaccurate information for the XXXX company, and this information affects my credit activities and employment activities. I consider this action as defamation.
Company Response: Closed with explanation
2018-07-03
Ft Lauderdale, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: It is an Illegitimate Debt, incorrect and false report on my credit file.
XX/XX/XXXX send letter requesting more info about their report and the investigation.
XX/XX/XXXX re-resent previous letter, due to a non response XX/XX/XXXX sent a new letter requesting investigate and send me the results ( response received XX/XX/XXXX ; but, failed to give consumer required notices and disclosures under the FDCPA. Response was unethical and disrespectful ) XX/XX/XXXX send letter notifying that, they failed to investigate their entry ; provide consumer info, and disclosure of documents, and that after more than 30 days constitute to promptly drop this info according to Section 611 ( a ). ( Response on XX/XX/XXXX, stating they have reviewed the dispute and verified and it is accurate. Fail to provide me with the information, documents, disclosures ) As of now, I don't know this alledge debt to whom belongs, when was opened, what was it, where was opened, as per request on my correspondence.
Attached Letters Attached Report from XXXX
Company Response: Closed with explanation
2018-06-29
Los Indios, TX
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: My daughter has made 2 payments to this company after we settled on an amount.The first payment was for {$150.00} and the second amount was for {$1000.00} in XX/XX/2018. She paid the {$1000.00} so they would stop calling me and upsetting me. The account is under my name but it was for some tires that I took out for my daughter but she fell behind on the payments when she lost her job. I asked repeatedly for them to stop calling me as I am in poor health and they would upset me every time they would call saying that I was going to get sued if I did not pay them. I gave them my daughters phone number so they could talk to her and that is when she gave the payments. I recently refinanced my home but not to get money from it, I did not take out a single penny. I refinanced to lower my mortgage payment and to lower my interest. Somehow they found out about it and thought I had money so they called pretending to be XXXX XXXX XXXX. I gave them my social security number thinking it was XXXX XXXX XXXX and I got scared when they told me I owned money and I needed to pay it. I knew it wasn't the bank when the man calling started getting mad and using foul language with me. They pretended to be XXXX XXXX XXXX, and I got really scared because I thought they were going to reverse or take away my re-finance.
Company Response: Closed with non-monetary relief
2018-06-28
Tuckasegee, NC
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
2018-06-26
PA
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/2018, I sent Cavalry a cease of communication letter, which they signed for ( evidence attached ) because Cavalry has ignored my 7 attempts to validate debt claimed owe. Instead, Cavalry has repeatedly sent me countless automated letters. I continue to receive harassing mail from their XXXX, NY address, after I have requested them to stop.
Company Response: Closed with explanation
2018-06-25
Arsenal, PA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-06-21
Sigel, PA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Contacted your employer
Company Response: Closed with explanation
2018-06-21
IL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I received advertising material stating that on XX/XX/XXXX lawsuit is being filed by Cavalry SPV, I have not been served for this matter. On XX/XX/XXXX I received a letter from Cavalry/ XXXX XXXX XXXX XXXX firm about {$47.00}, XXXX owed. On XX/XX/XXXX i responded with a certified letter of denial and a request for validation. I never received a validation of debt from them. Now it looks liked I will be sued by Cavalry. I believe t Cavalry had a window of time to respond and did not. This aleged debt is from XX/XX/XXXX. I am adding that XX/XX/XXXX I received a letter from Cavalry Stating that I owe {$47000.00}, the letter was dated XX/XX/XXXX. Cavalry called me to collect this debt on XX/XX/XXXX ... that's before I received a letter from them. I asked for debt validation and it was never received. I did file a report about Calvary to the Il Attorney 's office.
Company Response: Closed with explanation