CAVALRY INVESTMENTS, LLC

2017-10-04

Chicago, IL

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 do not have a contract with this creditor, I am not liable for this account.
Company Response: Closed with explanation

Timely Response

2017-10-03

South Florida, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: This report is in regards to a XXXX credit card and debt sale and collection actions by Cavalry SPV I LLC. XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX veteran on XXXX income only. I was adjudicated as XXXX XXXX XXXX effective XX/XX/XXXX, but the decision took until XX/XX/XXXX for adjudication by SSA, In XX/XX/XXXX I notified XXXX of my XXXX and impending homelessness due to the decision delay by SSA. I had previously accepted the offer from XXXX for the add on service to payoff the balance if I became unemployed or XXXX. On XX/XX/XXXX I received an update from XXXX XXXX, Reference : XXXX, requiring phone contact to which I was medically unable to respond. I was homeless until XX/XX/XXXX when the VA and XXXX XXXX secured housing and food and established my VA medical care. Through their legal aid program they contacted XXXX on my behalf in XX/XX/XXXX which XXXX never responded to. The negative credit reporting by XXXX was a major issue in the XXXX XXXX securing housing for me even when they were paying the rent directly with their financial resources. XXXX continued the negative reporting and failed to include my account in the CFPB investigation and fines levied against them in XX/XX/XXXX. After the CFPB case was resolved, XXXX sold my account to Calvary SVP I LLC. Calvary SVP I LLC. then began contacting me directly by mail and telephone to collect on the account bypassing my legal representation who had contacted XXXX. Both XXXX and Calvary SVP I LLC were simultaneously reporting negative information on the same account to this day. Calvary SVP I LLC. filed civil suit in XXXX County Florida small claims court case number XXXX filed XX/XX/XXXX. PlaintiffCavalry SPV I LLC XXXX, XXXX XXXX, XXXX. Retained Bar ID : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX The account was protected by the add on service XXXX offered. It should have been paid off without negative credit reporting. XXXX failed to disclose this fraudulent failure to provide benefit during the CFPB investigation leading to the estimated {$700.00} million dollar fine in XX/XX/XXXX. XXXX then packaged and sold the account to Cavalry SPV I LLC without disclosure to the CFPB or my legal representation. XXXX continues to report negatively on the account. Cavalry SPV I LLC was informed by my legal representative of the prior actions by XXXX and refused to respond through their attorney, Cavalry SPV I LLC has been reporting negatively on the account since they purchased it from XXXX. It is currently listed as in collection. Cavalry SPV I LLC filed the Civil lawsuit for debt recovery just as my federal student loans were approved for total permanent XXXX discharge, indicating that they were monitoring my credit to decide whether to sue federal since student loans would have preferential treatment in collections or bankruptcy, I believe that I have been denied my benefit of balance payoff by fraud by XXXX. I believe that the type of XXXX may have been a factor in thir actions. I have been denied due process by having the account sold to Cavalry SPV I LLC and being contacted directly for collections actions while I had established legal representation.
Company Response: Closed with explanation

Timely Response

2017-10-02

Compton, CA

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

Timely Response

2017-09-30

New Orleans, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have no knowledge of this account at all. I sent several letters to company asking them to please remove this account I never authorize, used nor applied for this, I sent several letters asking company to validate this debit as mine, I called Spoke with A representative whom was rude and failed to give me any information other than tell me I better pay for a debt that 's not mine. I 've never received no knowledge of this. I viewed my credit report and this was on there and that 's how I 've gotten knowledge of this account. I sent letters to credit Bureaus asking them to send me what ever information that got about me opening these accounts .I begged them to validate them and send me whatever proof they got .After several months of stress I received nothing in response from the credit Bureaus Nor Company that 's reporting this debit, Not Mine, Not Authorized, no legal contract with this company.
Company Response: Closed with explanation

Timely Response

2017-09-29

Bronx, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2017-09-28

Bay Point, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-28

Kendall, FL

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-09-26

Addison, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-09-26

Bellaire, TX

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
Complaint: ( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. I called them and they keep saying they did n't but it 's clear they did because its on my report.
Company Response: Closed with explanation

Timely Response

2017-09-25

Mdn, MS

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-25

Clermont, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I received notice of this debt and immediately called to request debt validation on XXXX/XXXX/XXXX. I never received a debt validation letter. This is not my debt, however, a few weeks ago I called to settle it because I want it off of my credit report. I am going to be buying a house in the next four months and I want this debt removed because it is not mine and because I want to take advantage of the best credit rates I can get.
Company Response: Closed with explanation

Timely Response

2017-09-22

Belmont Heights, UT

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-09-21

Panther Creek, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
Company Response: Closed with explanation

Timely Response

2017-09-21

Ft Myers, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-21

Countryside, IL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2017-09-21

Monroe, 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

2017-09-20

Hillandale, MD

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

2017-09-19

Una, SC

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-09-19

Clermont, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: In an effort to compromise with the debt collector, I settled the account for 30 % of amount owed in order to have it deleted from my credit reports. I have experienced extreme hardship over the past year and have finally started to be able to save for a home again. I will be applying for a mortgage in the next six months and this invalid collection is a huge hurdle in my effort to do so.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-18

Hicksville, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-17

Chicago, IL

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

Timely Response

2017-09-17

Ashland, OR

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 explanation

Timely Response

2017-09-16

Clermont, FL

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Complaint: On XXXX Calvary llc or a representative showed up to my mother 's residence and disclosed personal information. I am XXXX and she is not a part of my finances in any shape or form. Relayed to her that they are trying to serve me a civil action on behalf of XXXX. This is my so called business and none of hers.
Company Response: Closed with explanation

Timely Response

2017-09-15

MO

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: My original creditor was XXXX credit card. They sent the debt to collections, Cavalry spv, I, L.L.C., a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, XXXX XXXX XXXX on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received it XX/XX/XXXX. On XX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received it XX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore. What can I do? Thank you
Company Response: Closed with explanation

Timely Response

2017-09-13

Bear, DE

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response