CAVALRY INVESTMENTS, LLC

2018-02-06

Washougal, WA

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 non-monetary relief

Timely Response

2018-02-06

Franklin, TN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-02-05

Spencer, MA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-02-05

Forsyth, GA

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

2018-02-04

Milwaukee, WI

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2018-02-02

Audubon, PA

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

2018-02-02

Gardena, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-02-02

Franklin Lakes, NJ

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

2018-02-02

Browns Mills, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-02

Asbury Park, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-01

Shoals, GA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: There is a collection account being reported to each of the three major credit bureaus on my credit file by XXXX XXXX XXXX in the amount of {$7800.00}. This company has continuously called me regarding this debt after I have requested that they communicate with me in writing regarding this alleged debt. After two months I have not received anything in writing from this company. Upon further research of this company, I found XXXX XXXX XXXX is not licensed in the state of Georgia to collect. I contacted the Georgia Secretary of State, XXXX XXXX office and verified that this company is not licensed to collect in Georgia. I also hired an attorney who also verified this company is not licensed to collect in Georgia and advised me to pursue legal actions.
Company Response: Closed with explanation

Timely Response

2018-02-01

WV

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Hello, I paid a collections debt in XX/XX/XXXX to Calvary Portfolio Services LLC. The original debt was with XXXX. We settled for less than the original amount due totaling about {$2300.00}. On XX/XX/XXXX, I received a letter from XXXX stating that they owed me {$340.00} for misusing my account protection that I had during the time the account was open. The letter stated that it would be sent to my account. I called XXXX and they said that because my account was closed, a check would be sent to Calvary and Calvary needs to forward me the check. When I called Calvary they stated that in XX/XX/XXXX, the {$340.00} came to them and they applied it to my CLOSED account. They said they kept the money because we settled for less than the total amount, so they just applied the refund to the money received for the settlement. I kept asking the customer service supervisor to explain to me how they can keep money on an account that has been settled, paid and closed and her only response to me over and over again was that the account was settled for less than the total amount of debt. I received a letter after paying the settlement and it stated that my account was paid for less than the amount and was closed at that time. If the account is closed, they need to send me the money that was sent to them. It is robbery that they are keeping this from me and they are breaching their contract in stating that my account was closed. Please help me figure this out. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-01

San Antonio, TX

Improper use of your report

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

Report provided to employer without your written authorization
Company Response: Closed with explanation

Timely Response

2018-01-31

Miami, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-31

Bremen, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I receive a notice from XXXX XXXX XXXX Stating that I owe a debt for XXXX XXXX Nevada for {$580.00}. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of XXXX.. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill. I sent them 2nd demand letter requesting the same information. They sent me a letter that states these exact word. Dear XXXX XXXX Cavalry is in receipt of the letter of dispute made pursuant to the Fair Credit Reporting Act ( " FCRA '' on the above referenced account. In acknowledgement of the dispute, we have requested that consume reporting agencies report the account as disputed. We have reviewed the dispute and find the dispute lacking in any 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. Please provide us the specific information that is being disputed and an explanation of the basis of the dispute. If you have any question please contact us at XXXX from XXXX Eastern time Monday through Friday. Well I have call and sent certified letter and gave them all information that they request and they keep sending me this same letter. Never addressing that this is not my account. I never had a XXXX account and I want this remove..
Company Response: Closed with non-monetary relief

Timely Response

2018-01-31

Coral Gables, FL

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

2018-01-29

Conway, SC

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

2018-01-29

Conroe, TX

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

2018-01-26

Charleston, SC

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

2018-01-25

CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I have not received the proper validation regarding the debt, the collection company, has sent copy.s of collection items that does n't properly confirm the debt in question. I would like them to send me a signed document of debt to properly verify the debt. If not please delete this item from my credit file. They have paid for debt that does n't verify the debt properly. Have them send me a original copy of the debt with my signature to properly verify the debt if not please delete this item from my credit profile.
Company Response: Closed with explanation

Timely Response

2018-01-24

Miami, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-24

Baytown, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-23

Detroit, MI

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

2018-01-23

Bloomfield, NJ

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-01-22

Leeton, UT

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX
Company Response: Closed with non-monetary relief

Timely Response