CAVALRY INVESTMENTS, LLC

2017-11-27

Jersey City, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-27

Flushing, NY

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

2017-11-26

Long Beach, CA

Incorrect information on your report

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

Account status incorrect
Complaint: On my XXXX and XXXX credit report, A collection agency is reporting a debt ( {$44.00} & ) that was included in my bankruptcy as collection accounts and money that I still owe. My bankruptcy was discharged XXXX 2011. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.
Company Response: Closed with explanation

Timely Response

2017-11-25

Ridley Park, PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.
Company Response: Closed with explanation

Timely Response

2017-11-21

Dothan, AL

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

Timely Response

2017-11-20

Long Beach, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..
Company Response: Closed with explanation

Timely Response

2017-11-20

Stewart, AL

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Complaint: Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-20

Lawrenceville, GA

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

2017-11-19

Keyport, WA

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: This company threatened legal action. They gave me a date in which to respond to a lawsuit by however when I went to the courthouse to file a response to the lawsuit I was told I couldnt because there was nothing filed to respond to. So they falsely misrepresented that they had filed the lawsuit already. They filed after the day they told me they would so it would appear as if it was just a scare tactic to someone unfamiliar with the law. They then actually filed after the day I was informed they would, I did not file a response because I wasnt properly informed, so they Were granted an automatic judgment against me because it appeared as if I never responded or attempted to which was false. I was never informed of a court day or a trial.They were granted a levy against my bank accounts and have taken everything from me. Im going to lose my home because of this disgusting tactic! Ive also read about other dirty schemes this company has played on unsuspecting victims.
Company Response: Closed with explanation

Timely Response

2017-11-17

Harvey, LA

Communication tactics

Debt collection: Other debt

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

Timely Response

2017-11-15

Detroit, MI

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

2017-11-15

La Quinta, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-11-14

Lawndale, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-13

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting 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. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I agreed to assume the debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/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. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )
Company Response: Closed with explanation

Timely Response

2017-11-13

Meridian, AR

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-11-12

Achille, OK

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-11-10

Wickes, AR

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: XXXX XXXX is a debt collection agency. I have never had a contract with them and they sued me for an old credit card. The amount sued for is over double what the credit card limit for the card was. I spent hours drafting and fiiling an answer. Then I spent hours more answering other things questions they sent. I filed all answers with the court. I took off from work and showed up in court because I had not been informed that they had filed a nonsuit. In the mean time I moved. They filed suit again. Again I filed my answer with the court. Again I took off from work, sat through every case and was not called. I asked the court clerk why I was n't called. She said I was rescheduled for XXXX. I asked if I would get notification in the mail, she replied affirmatively. In XXXX XXXX, I called the court to get my court date. I ca n't remember what day it was. However the judge who had been previously assigned the case passed away. Two days before my court date I called about my case, they said that the judge had signed a judgement against me. I had recalled getting a letter from the law firm Cavalry that they had sent to, the judge saying that I did not answer their lawsuit. I did answer it, and I knew, my answer was on file. I also sent the answer registered mail and have the receipt. I thought the judge would look and see that or leave it til court. He did n't. I called the court clerk to complain. She said, I, would have to pay them, {$10.00} for a, transcript plus the judgement amount before i could appeal it. I did n't have that much money. So ever since the company, who should have never had the right to, sue me in, the first place has caused me, a ton of stress and XXXX that led me to quit my job. I since started working some place new, for half the salary. That has caused me a lot of XXXX as I am, struggling to pay for the basics now. But now they 've found my new job and are attempting to garnish the little money that I make. Their lie worked somehow. They are n't owed any money by me. If they bought my debt for {$50.00}, then I 'd gladly pay them that amount. But they have wasted a lot of my time and resources and misrepresented themselves and me in a letter to, the judge. They never intended to show up in court. They continually rescheduled or filed nonsuit without telling me hoping I 'd slip up. I knew this and followed all steps to prevent this. I can barely purchase groceries right now. And even, though I pay for insurance, none of us can afford to see a doctor. This makes me want to give up And receive food stamps and government assistance and, subsidized healthcare. How can Cavalry SPV be allowed to hurt people and the economy this way? I pay and have paid a ton of, money in taxes. What if, in order to support my family because my wages are garnished, I was forced to quit my job to qualify for government benefits? This should be illegal. I have two college degrees and have worked more than XXXX hours a week every single week for the past 7 years just to make it.
Company Response: Closed with explanation

Timely Response

2017-11-10

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-08

Houston, TX

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2017-11-08

Murray, UT

Incorrect information on your report

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

Account status incorrect
Complaint: I filled for bankruptcy chapter XXXX case number XXXX back in XXXX of XXXX and the bankruptcy was XXXX in XXXX. I included all of my debts which included a XXXX credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was XXXX and the debt was included in the list of creditors and was added. While I still in the active bankruptcy Calvary portfolio service called to collect on the debt in XXXX XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XXXX, I was reviewing my credit report and Calvary portfolio service is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor XXXX, the report shows that they will keep it on record until XXXX. Account number Calvary has is XXXX, date opened with Calvary XXXX. My phone is XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-07

Centerville, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-11-02

NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: They have been calling harassing me and I have no recollection about this account.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-02

Fort Worth, TX

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

2017-10-31

Longs, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2017-10-31

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Since XXXX of this year ( 2017 ) I have requested Debt Validation from Calvary Portfolio Services, LLC. During the course of the past five months I have been ignored and this company has failed to produce ANY form of debt validation. However, this alleged debt is still being reported to the credit bureaus and is negatively impacting my credit worthiness. On XXXX XXXX I sent a third Debt Validation request via certified mail. The correspondence was received on XXXX XXXX. As of today XXXX XXXX, Calvary Portfolio has not responded. This company is violating my consumer rights and not adhering to the guidelines set forth under the FDCPA. This is not my debt and it should not be on my credit reports at all. I have included a copy of the third debt validation request I sent and postal confirmation of delivery.
Company Response: Closed with non-monetary relief

Timely Response