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 17
2018-06-21
AL
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Complaint: On XX/XX/2013 I was highly and predatoraly pressured into buying an overpriced used car. After entering into an installment loan in the amount of {$19000.00}, I shortly thereafter found out that the car was on recall and by paying to repair the car I fell behind on payments and could not remain current on the payments ' late fees and interests ultimately resulting in repossession. After the repossion an agreement was made with the original creditor that no further payments would be made and no further billing from the original creditor was done. However, after the sale of the faulty car I was billed for the balance of the sale in the amount of {$10000.00} by a collection agency and they have continued to report to the credit bureaus monthly and in turn this information is being reported to credit reporting companies greatly impacting my credit score and ability to obtain credit. I disputed this adverse account via FCRA but it remains on all 3 major bureau reports.
Company Response: Closed with non-monetary relief
2018-06-20
Arco, CA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I continue to have several issues with Calvary Portoflio Services : 1 ) I have received a letter from Calvary that they have provided debt validation, but they have not. I am still waiting on proof of assignment or transfer of the loan. From what I have receive the debt was purchased by them not assigned or transferred as per my consumer rights with the FDCPA. I have received proof from Calvary that they have my statements, which they have sent multiple times over and a copy of bulk loan purchase. This is not what I am asking for is proof of confirmation from about the relationship of assignment of debt to Calvary from XXXX. I sent requests for validation on : XX/XX/XXXX XX/XX/XXXX Certified XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) Calvary reported my original balance of {$3300.00}. However I received a letter from their representatives at XXXX XXXX that I would appear paid in full if I paid {$2200.00} on XX/XX/XXXX, which means that all of the balance information that has been reported on my credit reports has been incorrect since they have had my account. Last and most importantly Calvary is still reporting a collections balance, which they originally tried to settle for, I volunteered to pay the full amount of the balance for removal of the tradeline, in which they say they have no knowledge, but they changed the payment plans coming from my account. They did not send me a confirmation letter. In total I have paid {$2000.00}, with a remaining balance of {$100.00}.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They passed my account onto a company named XXXX and XXXX XXXX. who has been taking my money from my account on their behalf. I would like this tradeline removed form my credit report.
Company Response: Closed with explanation
2018-06-20
Wonder Lake, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-06-19
Astoria, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-06-19
CO
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: CAVALRY PORTFOLIO SERVIC mysteriously added a negative account to my credit report. I monitor my report carefully. They date of the negative debt was during a time that I was traveling and I have not opened any accounts or new credit cards this year. They never appeared on my credit report until a few days ago claiming I was late on making payments. I believe they must have gotten my information when I applied for a car. It crashed my score by 50 points and now I have to pay almost an extra 100.00/month because of the information they placed on my credit report.
I never did business with them nor do I have any missing accounts off my report.
Company Response: Closed with explanation
2018-06-16
Belleville, IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-06-15
Brick, NJ
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-06-14
N Port, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with explanation
2018-06-14
E Atlantc Bch, NY
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
2018-06-14
East Rockaway, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: this debt was paid off in full on XX/XX/2017 please update the truth this doesn't reflect that I infact paid it off
Company Response: Closed with explanation
2018-06-14
Los Indios, TX
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 have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XXXX of XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Cavalry responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with Cavalry, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from XXXX and XXXX reflects a different account number for the same account that Cavalry is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is Cavalry still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is XXXX XXXX XXXX offering a settlement on an account that is not verifiable?
For the second account, Cavalry merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XX/XX/XXXX states that a payment was due on XX/XX/XXXX, then how can Cavalry say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that Cavalry has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! Cavalry nor XXXX XXXX XXXX provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, Cavalry failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable.
This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
Company Response: Closed with explanation
2018-06-14
Inglewood, CA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-06-13
Sylvester, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: 1 ) On XX/XX/XXXX, {$420.00}, I submitted a Debt Verification Request Letter to the company 2 ) I received a response from the company which included a billing statement which is not proof that the debt belongs to me.
3 ) XX/XX/XXXX, I submitted another request for verification of the debt to the company 4 ) XX/XX/XXXX, once again, I received a duplicate billing statement but nothing with my signature or proof that the debt belongs to me.
5 ) XX/XX/XXXX, I submitted a request to all three credit bureaus to remove this debt from my credit report, due to the lack of response to my request for debt verification.
Company Response: Closed with explanation
2018-06-09
Lexington, NC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2018-06-09
TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Cavalry portfolio services XX/XX/2014 {$370.00} it is reporting to the bureau twice.
Company Response: Closed with explanation
2018-06-09
Tibbs, MS
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I have a court document that I'm not responsible for and the company refuses to remove the collection from my credit report. I've uploaded the certified court document, and they still refuse. XXXX simply refuses to remove the collection despite the certified court document.
Company Response: Closed with non-monetary relief
2018-06-05
Springfield, MO
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2018-06-05
Hiawassee, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2018-06-04
Mount Vernon, WA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-06-03
Los Indios, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: This company did not send letters advising of their attempt to collect debt from me. Furthermore, I searched the Texas Secretary of State website for the Collections Agency, and found no indication that they acquired the surety bond required to collect debt as a third party in accordance to Texas Fin. Code 392.402.404.
Company Response: Closed with explanation
2018-06-03
Niantic, CT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is not validation. ( see attached ) Cavalry Portfolio Services sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several attempts to contact the credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. I should not be obligated to pay for the alleged debt. Thank you in advance.
Company Response: Closed with non-monetary relief
2018-06-02
OR
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Problem : Credit Card Company that I owned the debt to was " XXXX XXXX XXXXXXXX '' by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Parent Company ) has been dissolved and I have no remedy to delete the over due collections from my Credit Reports issued by third party debt buyer shown as ( Cavalry ) on my Credit Reports by XXXX , XXXX and XXXX XXXXplaced by unresponsive third party debt buyer to XXXX XXXX XXXX ( s ) - ( Cavalry XXXX XXXX XXXX XXXX , XXXX XXXX. ).
Debt is too old to collect - I am an XXXX State Resident. XXXX Law only allows total of 6 years of debt collection instead of the Federal 7. The Fair Credit Reporting Act ( 15 USC 1681 ( t ) allows States Laws and Demands Credit Bureaus and Collection Companies obey-as the XXXX Law ORS 12.080 ( 4 ) is not in " Sharp '' contrast to the Federal Law on limit of years of Debt Collections. XXXX State-6 Years/Federal 7 Years.
In XXXX Law per Collection Law ( s ) held in Contract Law area of the XXXX Revised Statues ( XXXX XXXX ( 4 ) and ( XXXX XXXX ( 1 ) this debt originally by XXXX XXXX XXXXXXXX is over the allowed 6 year period of collection activity- defined start date of collection for the 6 years from my last payment to Credit Card Company ( XXXX XXXX XXXXXXXX-XXXX XXXX Parent Company XXXX XXXX XXXX ) in the Fall of XX/XX/XXXX-Illegal and too old by XX/XX/XXXX-Charge Off was XX/XX/XXXX.
Problem is the third party debt buyer : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Collection Agency ) ( {$890.00} ) Charge Off XXXX XXXX XXXX-XX/XX/XXXX Charge Off ) -Refuses to obey XXXX Law ( s ) in Collection as directed by Fair Credit Reporting Act 15 USC 1681 ( t ) ( i ) ( u ) - 15 USC 1681 ( t ) Obey State Laws Section of the Act and give fair investigation of my dispute concluded within 30 days -All described in the Fair Credit Reporting Act 15 USC 1681.
XXXX Laws give residents a break from the Federal 7 Year term on Collection Activity down to ( " Commenced '' Collections Activity Period within ( 6 ) Years PER XXXX XXXXXXXX ( 4 ) -Defined Start Date in Stipulated Language excludes later dates of sale to third party debt buyers such as Cavalry in and defined by XXXX XXXXXXXX ( 1 ) from my Last Credit Card Payment which would have been Fall XX/XX/XXXX.-Illegal Collect from XXXX Resident by XX/XX/XXXX.
So if XXXX State Law states too old collect- Must delete from XXXX , XXXX and XXXX XXXX-Not Current Collection in their Adverse Accounts Sections. Failure to obey the Federal Fair Credit Reporting Act ( 15 USC 1681 ) within 30 Day Dispute Time has caused dip in my FICO Score to dip and a denial from XXXX XXXXXXXX XXXX for a Credit Card in XX/XX/XXXX.
Confusion-Cavalry reported on all three Major Credit Reports- till they sent me a XXXX XXXX XXXX XXXXXXXX XXXX XXXX statement onXX/XX/XXXX Letter - debt was from another Company- XX/XX/XXXX Credit Card instead? -However the statement-mailed me a copy of my XXXX XXXX XXXX XXXX held under ( RXXXX XXXX XXXXXXXX ) owned by parent company XXXX XXXX XXXX XXXX XXXX Mailing address ( XXXX XXXX XXXX Address -Mail Forward Stopped : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) I received return mail from this address in my efforts to remedy this expired collection.
Defunct -Merged Out Credit Card Company `` XXXX XXXX XXXXXXXX '' by XXXX XXXX XXXX XXXX XXXX Charge Off XX/XX/XXXX bought for Collections by third party Cavalry XXXX XXXX XXXX XXXX, XXXX XXXX during negotiations for Company Merger from XXXX XXXX XXXX XXXX to XXXX.
Company Merger-Failed Notices to Consumers : I as the Consumer do not have a remedy the company is Dissolved-or access to that Merger Temporary Agreement ( XX/XX/XXXX ) or Final Merger Documents ( XX/XX/XXXX ) to see how they handled stock and Charge Off Debt to Company Transfer. from XXXX XXXX XXXX XXXX to XXXX.
My Internet Research shows current address for XXXX Customer Service XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. I have wrote them a letter this week after receiving the returned mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Further Facts who owns the debt-I am way confused? : Website : XXXX stated XXXX XXXX XXXXXXXX for XXXX XXXX XXXX was bought on XX/XX/XXXX by XXXX from XXXX XXXX XXXX. So where does the consumer go to remedy this problem with a Collection Agency failing XXXX Collection Laws from a debt bought from now defunct Company XXXX XXXX XXXX? The Collection Agency Cavalry-Blaming XXXX XXXX XXXX-claiming owned by XXXX XXXXXXXX a different company but no evidence of that Company Merger of XXXX XXXXXXXX into XXXX and away from XXXX-to remedy this collection that must be deleted on XXXX, XXXX and XXXX XXXX as too old to legally collect per XXXX State Collection Law ( s )?
XXXX Secretary of State website shows Entity : XXXX XXXX XXXX XXXXXXXX XXXX.-Surrender XX/XX/XXXX. There process address was listed in XX/XX/XXXX as the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
I need mediation assistance to Collection Agency Cavalry XXXX XXXX XXXX XXXX, XXXX XXXX. Fail to Obey XXXX Law ( s ) in Collection by a Collection Agency. Also to figure out who to contact for the original debt.
I am unsure which XXXX XXXX Company is theirs as a whole list and very few in XXXX, XXXX XXXX for the Collection Agency Cavalry.
Selected Entity Name : XXXX XXXX XXXX XXXX Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX XXXX DOS ID # : XXXX Initial DOS Filing Date :XX/XX/XXXX County : XXXX Jurisdiction : XXXX Entity Type : XXXX XXXX XXXX XXXXY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND Another Possibility : Selected Entity Name : CAVALRY PORTFOLIO SERVICES , LLC Selected Entity Status Information Current Entity Name : CAVALRY PORTFOLIO SERVICES , LLC DOS ID # : XXXX Initial DOS Filing Date : XX/XX/XXXX County : XXXX Jurisdiction : XXXX Entity Type : XXXX XXXX XXXX XXXX Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Thank You for your time in this matter.
Company Response: Closed with explanation
2018-06-02
Patterson, MD
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: on XX/XX/2018 XXXX XXXX remove account XXXX for my Credit report .in less then a month later Cavalary Portfolio Serv , place back the same Account IDisputed with XXXX for Fraud, back on my Credit report. In which was remove by XXXX XXXX after I disputed FRAUD on my account, I also told Cavalary Portfolio Serv which failed to take the necessary action against this account .they have failed to investigate and check my Credit report that there is a Fraud alert on my reort for my Protaction as a customer. this account was open by fraud. I dont know why this company in less than a month place this back on my credit report.
Company Response: Closed with non-monetary relief
2018-06-01
Bakersfield, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: Back in XXXX my daughter needed some XXXX services. I applied for a XXXX XXXX XXXX XXXX and the credit card was granted on XXXX of XXXX, so I paid my child XXXX service with the new XXXX XXXX XXXX XXXX card.
The first payment was scheduled on XX/XX/XXXX, unfortunately I did not receive a bill with the payment phone number or the payment address to send a payment, so almost at the end of the month decided to call and ask the best way to process my first payment, the XXXX XXXX XXXX XXXX representative told me that I needed the account number to make the payment, number that in the time of the call I unknown, for their security reason she couldnt gave me the account number, so the best was XXXX XXXX send me the bill to my mailing address and then process the payment. Until XXXX XXXX XXXX I received my first bill from XXXX XXXX XXXX XXXX, it was the XXXX bill with the payment information, STETEMENT WITH CLOSING DATE OF XX/XX/XXXX, PAYMENT DUE DATE of XX/XX/XXXX, and a MINIMUM PAYMENT DUE OF {$190.00} Dollars.
On XX/XX/XXXX I paid {$100.00} dollars to XXXX XXXX XXXX XXXX over the phone, and in XX/XX/XXXX of XXXX I paid another {$100.00} dollars online, so the minimum payment was covered before the due date.
Come XXXX, I tried to process the monthly payment over the phone, XXXX XXXX XXXX XXXX refused to accept my payment because they had the suspicion that I applied for bankruptcy, I informed to the representative that it was not the case and I will continue with my payments in time before the due date, the representative refused to accept the payment. In a second call before the XXXX payment due date I called to the XXXX XXXX XXXX XXXX to check if they cleared the information and if I could process my payment, again the representative refused to accept the payment and this time I was informed the account was sent to the collection department, even when my previous payments were paid in time and I was trying to pay the third month. I tried to get the recovery or collection department phone number to stop the collection work, but the representatives told me I cant contact or make a payment because they were updating the account to the collection department and they will contact to me, I told several times to the representative that I was in the position to continue with regular payments and continue with the original credit card agreement, but they refused to give me a solution to stop the collection process. After several calls I gave up making my XXXX payment because the continually refused to accept it.
Months went by and never did we receive another phone call or notice or some documentations or letter in regards this debt.
The XXXX XXXX XXXX XXXX sold my account to a collection agency named XXXX XX/XX/XXXX. XXXX XXXX hired a Law Office to collect this debt, on XX/XX/XXXX they sent me a paper work of the account and I discovered the details that make this illegal collection.
Originally the payment schedule was : 1rst minimum payment of {$98.00} before XX/XX/XXXX 2nd minimum payment of {$98.00} before XX/XX/XXXX 3rd minimum payment of {$98.00} before XX/XX/XXXX. And continuing every XXXX of the month until the balance be paid in full.
But as I said the first bill was lost in the mail or just XXXX XXXX XXXX XXXX never sent out, So the 1rst payment was paid on XX/XX/XXXX over the phone, the second payment was paid on XX/XX/XXXX, On XX/XX/XXXX on XXXX the first and the second payment were covered before the second payment due date. On the third payment it was not possible to process because on XX/XX/XXXX of XXXX Synchrony Bank/Care Credit sold the account to the collection agency Cavalry SOV I LLC, even before the third payment due date -remember the due date is the XXXX of each month-, that should be the real reason why the did not accept my payment because they sold the account to a collection agency before the account was a charge-off, but the account was not a charge off because I paid the first and the second minimum payments before the due date of the second payment. XXXX XXXX XXXX excused in I was applied for a bankruptcy but that is a lie, the true is they sold an account to a debt buyer before the account was a charge off.
Now Cavalry SOV I LLC ( debt buyer ) hired a law office -XXXX XXXX XXXX- the law office is attempting to suit me for this debt, a debt the I never refused to pay ( the original creditor refuses to accept the payment ) I want to pay in the original terms stipulated with the original creditor.
Company Response: Closed with explanation
2018-05-31
Lk Buena Vis, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: On XX/XX/XXXX, I called Cavalry Portfolio Services about a collection that showed up on my report. They instructed me to contact XXXX XXXX XXXX and make the payment to them as they were hired to collect on their behalf. I called XXXX XXXX XXXX and the person on the phone said it was a balance of {$470.00}. I asked about a settlement and they agreed to receive {$310.00} after asking Cavalry for an extension. I was told this would absolve me from the debt owed after I called Cavalry and they said after the {$310.00} payment they would delete the tradeline from my credit report. As of today, XX/XX/XXXX, 7 days after the payment was made Cavalry updated the balance from {$470.00} to {$160.00} instead of {$0.00}. This means they lied to me on the phone and have began to report a balance that's not correct.
Company Response: Closed with explanation