CAVALRY INVESTMENTS, LLC

2018-03-26

Flushing, NY

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-03-25

Ehrhardt, SC

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-03-25

Bohemia, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have sent them two letters asking them to properly validate this debt, they have sent me back nothing more then generated computer copies that does not validate what I asked for in anyway. I keep getting the run around with useless reply letters that do not properly validate in anyway. I have also have sent them stated that I am exempt, because my only source of income now is from SSI, with no regards to this letter. Amount is {$1400.00}
Company Response: Closed with explanation

Timely Response

2018-03-24

Jacksonville, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-03-24

Jacksonville, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-22

Portland, OR

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: XX/XX/XXXX XX/XX/XXXX Company or " law firm '' I believe to be XXXX XXXX representing the creditor has threatened lawsuit and damaged credit with multiple accounts/inquiries. Charging more than the original debt. An attorney from California ( XXXX attorney name and address was based in California ) filed a complaint with the state of Oregon as of XX/XX/XXXX. XXXX XXXX suggested filing an FRCA Complaint if the acronyms are correct. I am being forced into bankruptcy because of outstanding balances. There is a 2nd party on some of debt in question.
Company Response: Closed with explanation

Timely Response

2018-03-22

City View Heights, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: No contract with them. No idea what this is even suppose to be a debt from. Clearly isn't mine.
Company Response: Closed with explanation

Timely Response

2018-03-22

TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Account XXXX from Cavalry Portfolio Services , LLC was added on XX/XX/2016 for {$740.00}. I have no contract with Cavalry Portfolio Services , LLC. I have never done business with this company. I am not liable with the debt from XXXX. I am not responible for the debt with Cavalry Portfolio Services , LLC.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-22

Peoria, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-03-22

Franklin Sq, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-03-21

Columbia, SC

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I received a copy of my credit report on XX/XX/XXXX, where I seen a collection agency listed from XX/XX/XXXX by the name of Cavalry Portfolio Services. I was NEVER contacted, nor given any information in regards to this company. I have absolutely no knowledge of this company and have NEVER been notified by this company. On XX/XX/XXXX I sent a debt validation request, not verification as I have the right to request the contract and proper validation of this debt " claiming '' to be belonging to me and the contract and the amount owed under the FDCPA. On the date of receipt by tracking, that Cavalry received my letter, they reported a {$1.00} decrease in the amount total owed. At first it states {$480.00} now it states {$470.00} on my credit report. I waited for Cavalry to respond and send me proper validation that constitute and aligns with the my rights as a consumer, of which I never received. Also the proof of the license and ability to collect in my state. On XX/XX/XXXX I received a letter from this company dated XX/XX/XXXX, stating they were notating my account as " disputed '' and would write me within 150 days with validation, NOT the proper 30 days that is required by thus set laws. Still did not contain any validation of this debt belonging to myself and the contractual agreement between myself and this company. On XX/XX/XXXX I received a second letter from Cavalry, stating they bought my debt from a company with the same name, and this was my notification of them owning a debt of which I never had a contract with or was ever validated. Stating I have 30 days to respond with a request for validation or else they will assume the debt is mines. " Assuming '' is not legally binding, and they are completely ignoring my request for validation upon initial letter sent to them, in and effort to buy time. This is not correct nor proper, I have already requested debt validation from this company, of which I have yet to receive. Instead I have received the run around. On top of that, placing false information on their forms in an attempt to collect, because they did not properly validate nor notify me of any debt that is claimed to be belonging to myself and then, so in a desperate attempt, they state they sold it to a sub division within their company. The company has the same name, same number, same account number, and is reported to the Credit Bureaus as the same company. They lowered the amount by {$1.00} to falsely make it seem as though, they sold it to cover up the fact, they never notified me, they never presented proper validation, and they have in fact listed erroneous information on my credit report without following the right and proper level guidelines to do so. I feel violated, and yet I STILL have not received VALIDATION of this debt nor a contract, between myself and this company, after I have made the request by mail, have copies, and a certification receipt that they in fact received it.
Company Response: Closed with explanation

Timely Response

2018-03-21

Saint Paul, MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: To Whom It May Concern : I am writing this dispute in response to the recent garnishments that occurred from my paychecks in XX/XX/XXXX and ending in XX/XX/XXXX on a debt Cavalry Portfolio purchased from XXXX XXXX. With the conclusion and full release of the garnishments, I consider this account paid in full. Cavalry Portfolio continues to report this account as unpaid for the full amount on my credit file. I have requested validity of this and not received a response. I am requesting this be deleted from my credit file.
Company Response: Closed with explanation

Timely Response

2018-03-21

San Tan Valley, AZ

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-03-19

Berkeley, NJ

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

Timely Response

2018-03-19

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-03-19

Middletown, NY

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-03-18

Edison, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-03-16

Davie, FL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-03-14

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 non-monetary relief

Timely Response

2018-03-12

Birmingham, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have a debt collector on my credit report representing XXXX XXXX. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
Company Response: Closed with explanation

Timely Response

2018-03-12

Victorville, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-03-12

Fort Lee, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-10

High Springs, FL

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: Partial sample letter sent to first Judge. I'm a 100 % service connected veteran with no assets. They look up my dads info and assume its me. I still Have a court appearance on XX/XX/XXXX. They don't have an original contract that they will let me see. They purchased the debt as a bulk purchase and informed me at mediation that the debt was a continuation of the original contract. That contract would have the terms in it that would allow them to purchase the debt or hire a representative on the original company 's behalf. It would also have my signature on it. They can not produce this document or a full original accounting of the alleged account from conception to current. They even discussed my dads assets as if they were mine. They have hired a group of attorneys in XXXX that are perusing very hard. This isn't even the state where the Alleged debt was conceived. ( California ) Plus I live in XXXX county and they are suing me in XXXX. When my dad was served I was in XXXX XXXX living. They don't even know who they are suing. They just want money. Letter 1 Dear Judge I AM ( My Name ), contacting you about the above mentioned to request that the Motion for Clerks Default filed by Cavalry through XXXX, XXXX, XXXX XXXX XXXX , XXXX, be vacated on my behalf for the following reasons : 1 ) The collection agency never responded to my request for validation, therefore never providing proof that the debt was mine under the FDCPA. I had made many calls and left many messages to XXXX, XXXX, XXXX XXXX XXXX in XX/XX/XXXX before being able to speak with anyone. After being passed from person to person on the phone, no one could provide a copy of the written agreement that created the original requirement to pay the alleged debt, nor could they produce a signature so that I could verify or not whether the alleged debt account was even opened by me or someone else. 2 ) After considerable research on XXXX, XXXX, XXXX XXXX XXXX and Cavalry, it seems that these companies purchase stale debt and try to collect on that debt often violating the law and in this case, violating many laws, including harassing family members, sending wrongful summons and disrespecting personal privacy even when they can not validate the alleged debt. 3 ) Several months after the aforementioned phone conversation, on XX/XX/XXXX, ( My Dads Name ), my father, was served summons papers at his home address, DAD 's Address, XXXX XXXX FL XXXX, concerning the alleged debt that had been discussed with me, thereby, violating my privacy about such matters that can not be verified or validated. My father and mother live alone. ( Dads Name ), my father, called the Sheriffs office after realizing that the summons did not belong to him and he also emailed the Clerk of Court in XXXX to make this statement about the wrongful summons. 4 ) I AM a 100 % Service Connected XXXX Veteran who lives in a RV with my wife who is also a XXXX veteran. We have been staying in XXXX, XXXX, XXXX and XXXX with family since before the hurricane and mandatory evacuations and were not in the area when the wrongful summons were served. 5 ) XX/XX/XXXX, ( Dads Name ), my father, again, received a Motion for Clerks Default concerning the exact same wrongful summons that was sent in XX/XX/XXXX even though he had sent a letter confirming that he was not the person the wrongful summons addresses. I have returned recently for the winter and my father has made me privy to the wrongful summons and unsubstantiated motion for default that keeps being given to him after my conversation with the firm originally accusing me of the alleged debt and asking me about my fathers assets and properties at the same time and never verifying the alleged debt for me, nor ever serving me personally and yet continuing to harass and wrongfully summons my father and they are continuing to give my alleged information to third parties by doing so. More research online reveals that this firm has many complaints filed against them with the Consumer Financial Protection Bureau and the XXXX with complaints similar in nature to what me and my family have been experiencing. Given the violation of laws committed by this questionable company, I AM requesting your consideration in vacating the motion to default and having the information removed from all 3 credit bureaus so that neither my father, nor myself are harassed by their unethical practices based on unsubstantiated claims for either of us. Attached documents include my fathers response statement to the first wrongful summons, my social security card and birth certificate, as well as my VA information. Please feel free to contact me at your convenience if I can be of further assistance in this matter. Thank you for your time and consideration. Sincerely, ( My Name ) Letter 2 Dear Judge In response to your Order at the Case Hearing on XX/XX/XXXX, I have attached an answer to the Complaint, including all defenses, Motion to Dismiss and Request For Judicial Notice with Standard on Motion to Dismiss, Argument In Support of Dismissing Amended Complaint, Covering All Four Corners of the Complaint, Requesting that this claim be Dismissed With Prejudice. Furthermore, the Plaintiffs Exhibits are insufficient and incomplete and do not establish a contractual relationship since the material terms are missing. A fair reading of the Complaint shows that a purely contractual dispute has arisen between Plaintiff and Defendant and that the assertion of new claim for unjust enrichment, money lent and open account have nothing to do legally or factually with original claims. I have requested to see a copy of the Verifiable, Validated Proof-an original Consumer Contract with a wet-ink Signature on it as is my Right according to the Fair Credit Reporting Act, Section 609. Under FCRA, Unverified, Invalid accounts must be removed and the law is very clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if companies, like the Plaintiff, Cavalry SPV I LLC fail to comply with Federal Law. As, per our previous correspondence, this company has violated Civil Liberties stated under the FCRA and FDCPA by ignoring my request for proper validation of the original contract and approval letter of the alleged debt with a wet-ink signature for material terms that would be the only basis for cause of action and pursuing court action without material evidence, harassing my father and family with unlawful summons sent to the wrong address and third party sharing of someones information and not really knowing who they are filing suit against, as we witnessed in the XX/XX/XXXX Hearing in your Chamber. In addition, more harassing correspondence was sent to my Father after the Hearing on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 separate packages, all 3 containing the exact documents, were sent to my Fathers house, again, and were all addressed to HIM! Given the absence of validated original contract and signature which shows that Cavalry has no cause to action, and the fact that Cavalry continued to violate Civil Rights of both myself and my Father after they discovered that my Father has assets and that I do not, by harassing my Father, sending wrongful summons, continuing to send multiple packages of the same information in stacks of paper that overwhelmed my Father and third party sharing of alleged debt collection information, I am respectfully requesting that the court dismiss this case and have the negative unverifiable information removed from all three credit bureaus. Letter 3 Dear Judge ( Different Judge ) I AM objecting to the Plaintiffs motion for telephonic appearance at Mediation based on the matter of principle, as the Plaintiffs reasons for requesting a telephonic appearance due to a burdensome and financial hardship because of their location is false since the Plaintiff does have local counsel as the Court witnessed by the Physical Presence of the Plaintiffs local representative who made a personal appearance on XX/XX/XXXX at the Case Management Conference concerning this matter and furthermore, the Plaintiff has never provided me, nor their representative at the Case Management Conference on XX/XX/XXXX, a Verifiable, Validated Proof of an Original Consumer Contract with a wet -ink Signature, as is my Right according to the Fair Credit Reporting Act, Section 609. In addition, I have been sued for a frivolous, Non-Verifiable, Non-Validated matter and false allegations have been made about my character ( or my Fathers, as the Plaintiff has never made it clear as to whom they are intending to file suit for this alleged debt and even the Counsel hired to represent the Plaintiff on XX/XX/XXXX was not sure, either ). Therefore, I deserve the right to confront my accusers, or at least their council in person in Mediation. As you are well aware, there is an industry of law firms that have made it their business model to sue the more underprivileged and often elderly members of society ( I AM a XXXX XXXX XXXX Veteran ) and they thrive because they know and Federal government research shows that 97 % of the defendants will not even respond to the summons, ( especially if they do not receive it because it was sent to the wrong address or a family members home, as in my case ). These Companies and some Law Firms completely live off the inaction of the unaware, defenseless consumer. This industry has made a mockery of the Courts by overwhelming their resources with thousands of extra suits, blatantly false affidavits and purported evidence and the knowledge that they will be given the benefit of the doubt because they have passed the bar and are " lawyers ''. I have the right to confront my accuser in person or at the very least their counsel in person and do object to their appearance by telephone. Judge ( Name ) had requested that I write a response to the Complaint, which is attached for your immediate perusal, written on XX/XX/XXXX : In response to your Order at the Case Hearing on XX/XX/XXXX, I have attached an answer to the Complaint, including all defenses, Motion to Dismiss and Request For Judicial Notice with Standard on Motion to Dismiss, Argument In Support of Dismissing Amended Complaint, Covering All Four Corners of the Complaint, Requesting that this claim be Dismissed With Prejudice. Furthermore, the Plaintiffs Exhibits are insufficient and incomplete and do not establish a contractual relationship since the material terms are missing. A fair reading of the Complaint shows that a purely contractual dispute has arisen between Plaintiff and Defendant and that the assertion of new claim for unjust enrichment, money lent and open account have nothing to do legally or factually with original claims. I have requested to see a copy of the Verifiable, Validated Proof of an original Consumer Contract with a wet-ink Signature on it as is my Right according to the Fair Credit Reporting Act, Section 609, since my first communication with Cavalry. Under FCRA, Unverified, Invalid accounts must be removed and the law is very clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if companies, like the Plaintiff, Cavalry SPV I LLC, fail to comply with Federal Law. As, per our previous correspondence, this company has violated Civil Liberties stated under the FCRA and FDCPA by ignoring my request for proper validation of the original contract and approval letter of the alleged debt with a wet-ink signature for material terms that would be the only basis for cause of action and pursuing court action without material evidence, harassing my father and family with unlawful summons sent to the wrong address and third party sharing of someones information and not really knowing who they are filing suit against, as we witnessed in the XX/XX/XXXX Hearing in your Chamber. In addition, more harassing correspondence was sent to my Father after the Hearing on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 separate packages, all 3 containing the exact documents, were sent to my Fathers house, again and again, and were all addressed to HIM! Given the absence of a Validated Original Contract and Signature which shows that Cavalry has no cause to action, and the fact that Cavalry continued to violate Civil Rights of both myself and my Father after they discovered that my Father has assets and that I do not, by harassing my Father, sending wrongful summons, continuing to send multiple packages of the same information in stacks of paper that overwhelmed my XXXX year old sick Father and third party sharing of alleged debt collection information, as well as falsely creating a cause to action without material conditions, I AM Respectfully Requesting that the Court Dismiss this Case and have the negative Unverifiable information Removed from all three credit bureaus on my Credit Report. If the Judge sees fit to add any relief on my behalf deemed just, such as the application of negligent noncompliance and more, please feel free to do so. Thank You. Respectfully, MY Name
Company Response: Closed with explanation

Timely Response

2018-03-10

Clermont, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-03-07

Warren, RI

Took or threatened to take negative or legal action

Debt collection: Auto debt

Seized or attempted to seize your property
Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX after they repossessed my car, demanding I pay XXXX immediately to get my car back. I didn't have that money up front and I tried to negotiate with them in working on a payment plan or pay back the payments I had but they wouldn't want to do that and at that time my car was still available. On XX/XX/XXXX I received another letter account number XXXX ( account to auto loan ) had been sold for XXXX! How was I supposed to come up with 8 plus grand in one month! I remember talking with XXXX XXXX XXXX who was so rude and unprofessional that talking to him trying to take care of this was very difficult and he retired shortly after we spoke before XX/XX/XXXX letter. On XX/XX/XXXX I received a letter threatening to sue me for my outstanding loan balance signed by XXXX XXXX. XX/XX/XXXX another threat in attempting to collect the debt by which I never spoke to XXXX because of the first time. Never heard from XXXX though it was sold to a third party debt collector Calvary Portfolio services. Not sure exactly when but it was beginning of XX/XX/XXXX I believe XX/XX/XXXX according to affidavit claim ( letter attached ) On XXXX XXXX I sent Calvary Portfolio a letter asking them to verify the debt before making any payments ( letter attached ). Calvary never responded to the letter within the 30 days according the FCRA and never heard from them until XX/XX/XXXX not sure the exact date I was served a summons for a credit card account with XXXX which I never opened XXXX? I had a line of credit but never owned a credit card. I responded on XX/XX/XXXX and received the summons 20 days before that XX/XX/XXXX. I stated that I object to balance owed and I never took out a CC with them and it was the account ending in XXXX? I don't even know what that account is? I never banked with XXXX after all this. On XX/XX/XXXX I had packet with my paperwork signed by me in regards to the auto loan and the repossession fees etc and a court date of XX/XX/XXXX. I thought the letter was a another attempt to collect and I never showed up to court thinking the state of limitations was long passed and only making a final payment in XX/XX/XXXX. A judgment was entered of the day of the no show and one year later my wages are being garnished through my work! How did they get that information? How did they know where I worked? I was never notified or properly served and I didnt know I could dispute it. I also wasnt given the proper documents to even challenge the judgement I never received anything that there was a judgement against me. I found out after my wages were garnished.
Company Response: Closed with explanation

Timely Response