CAVALRY INVESTMENTS, LLC

2017-05-01

Ehrhardt, SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I have been in contact with the original creditor since just after our bankruptcy filing. Although the filing was dismissed, the original creditor has indicated to me that they have written off and closed my account. However, a third party debt collec tor, Cavalry Portfolio Services, LLC has continued to harass me about this debt. My credit report also shows this debt as being charged off, so I assume that Cavalry has purchased some right to collect a non-existent debt for pennies on the dollar, and now seeks to profit from people who do n't know better than to succumb to their harassment tactics. I am not that person. I have written them a dispute letter, clearly asking them to provide documentation showing that this debt still exists, and documentation showing the assignment giving them authority to collect it. They have provided nothing but now 2 response letters indicating that I have disputed the debt, but have failed to request any information from them. Clearly, they are playing a childish game to try to catch me in a 30 day trap of failing to respond. Again, I am not that person. I can certainly outlast them, but as I understand the law, they have a duty to respond to my request for information fully and with great detail, and are not allowed to continue to harass me. I would like for the CFPB to investigate this company, as I have not been able to find any filings in our state giving them the ability to even engage in third-party debt collection activities here. I have attached my original response to Cavalry, dated XXXX XXXX XXXX ; my second response to Cavalry 's letter indicating that I have failed to request any information, dated XXXX XXXX XXXX ; Cavalry 's 3rd letter to me, again saying I have failed to request information, dated XXXX XXXX XXXX , and my letter of today, again informing them of the information I have requested multiple times, and informing them of my complaint with you folks.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-01

Cocoa, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: On or about XXXX , 2017 I was informed that I had to appear in court on XXXX XXXX , 2017 to answer a Complaint for Damages. I do not have a recollection of owing a debt. Furthermore the alleged debt has no standing in court as the statute of limitations has run, the affidavit submitted in support does not identify an account number associated to me, and the company Calvary SPV I LLC and a ttorneys XXXX , XXXX and XXXX knew or should have known that this is a zombie debt and this is a form of harassment knowing that the law suit filed can not be maintained. How many law suits like this are being filed. Below I have listed the name of the company and attorneys addresses.
Company Response: Closed with explanation

Timely Response

2017-05-01

Wheaton, IL

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

2017-05-01

Houston, 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
Company Response: Closed with explanation

Timely Response

2017-04-29

FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I paid off a collection account with Cavalry Portfolio for a bad debt and negotiated for it to be paid to remove. I have files several disputes to no resolution and it it staying on my account as a collection and not removed.
Company Response: Closed with non-monetary relief

Timely Response

2017-04-29

Boca Raton, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I am filing a complaint against Cavalry Portfolio Services, LLC, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX NY XXXX ( or XXXX XXXX XXXX XXXX , NY XXXX ), which has been harassing me since XXXX XXXX claiming I owe them an amount of {$18000.00} on an account # XXXX I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit. On XXXX XXXX XXXX and XXXX XXXX XXXX I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation. They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.
Company Response: Closed with explanation

Timely Response

2017-04-29

Hernando, MS

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

2017-04-26

Arco, CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted your employer
Complaint: I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.
Company Response: Closed with explanation

Timely Response

2017-04-26

Marietta, GA

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

2017-04-25

Ehrhardt, SC

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: Contacted this company via phone and they transferred me to several different departments and stated that they could not locate me in there system. Asked each one to send me a letter stating I do not have and account with them and they refused stating that it was illegal. I informed them that it was illegal to put an account on my report that did not belong to me as well if they do not have any validation. This company has not send me anything in writing or email or via phone. All my information my name telephone number and email was given.
Company Response: Closed with explanation

Timely Response

2017-04-25

Alameda, NM

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-04-24

Memorial Square, 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 non-monetary relief

Timely Response

2017-04-24

Southern Pnes, NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Ca n't stop calling about 8 times a day and after XXXX XXXX XXXX XXXX .
Company Response: Closed with explanation

Timely Response

2017-04-17

Tampa, FL

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Bronx, NY

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: I mailed a debt validation letter to Calvery Port for a XXXX Credit Card. However, I have not received a response in way over 30 days.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-08

Salton City, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me. The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-07

Grangeville, LA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Detroit, MI

Getting a loan

Student loan: Non-federal student loan

Can't qualify for a loan
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Stantonville, TN

Other

Credit card:

Complaint: When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

West Newfield, ME

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-01

Ocklawaha, FL

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: This debt has been disputed ( through the credit bureaus ) due to amount in question is inflated. Plus verification of debt was never sent so collection of debt is illegal. Plus this debt is time barred under Fla Debt Collection Law.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-31

Oxford, GA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Swiftwater, PA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-31

Stkn, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response