CAVALRY INVESTMENTS, LLC

2017-03-30

MO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have filed 3 previous complaints with the CFPB regarding Cavalry Portfolio and it 's affiliates. See CFPB complaint numbers # XXXX, # XXXX, and # XXXX, for more details. Cavalry Portfolio and it 's affiliates continue to commit the crime of " extortion '' by reporting false information on my credit report as well as no telling how many other victims. Cavalry Portfolio and it affiliates continue to respond with the same false excuse. In complaint # XXXX, I specifically requested certified account level documentation and Cavalry failed to provide it because they can not, which is illegal and the crime of " extortion ''. Proof of the " extortion '' is still being reported on my credit reports very easy to prove. " Extortion '' is a felony crime that ALL participating involved employees with Cavalry Portfolio and it 's affiliates need to be held accountable for. Civil Court Juries have awarded large amounts of money in lawsuits based on these type of practices by junk debt buyers. I know very well that the CFPB has held Cavalry Portfolio and it 's affiliates accountable in the past and imposed heavy fines on them as the agency should. I have heard that President Trump is going to use his authority as President of the United States to stop the " extortion '' by junk debt buyers. Such as to what Cavalry Portfolio and it 's affiliates are illegally doing to the American people. I am also going to contact Missouri State Attorney General, XXXX, Missouri US Senator, XXXX and Missouri US House Representative XXXX regarding the continued illegal practices of Cavalry Portfolio and it affiliates to aid in new tougher regulations being imposed on the junk debt buyer industry to protect the citizens of the USA.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-30

Soddy Daisy, TN

Incorrect information on credit report

Credit reporting:

Public record
Complaint: I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Clermont, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2017-03-28

Hoard, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with Cavalry Portfolio Services LLC. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. Reference Number XXXX Court Circuit Court Date Contact details provided is : XXXX XXXX, GA XXXX XXXX -- Status Filed Amount {$2100.00} Classification Legal Item Type legalitems
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-21

Columbus, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-21

Baltimore, MD

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-15

Fresno, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Re : Cavalry Portfolio Services, LLC Account # XXXX I sent a register letter to Cavalry Portfolio Services, LLC requesting validation of debt for their account # XXXX on XX/XX/XXXX. They failed to provide the information I requested. Instead, sent letter dated XX/XX/XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. After not hearing from them, a second registered letter on XX/XX/XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XX/XX/XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Folsom, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2017-03-13

Walnut Shade, MO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-13

MN

Incorrect information on credit report

Credit reporting:

Account status
Complaint: This has been an ongoing issue for the last 10 months. I disputed this with each of the credit reporting agencies 3 times each, sent the company an E-Mail once and even a certified letter. As of today, the result was in compliance with FCRA or pending. Cavalry is a debt buyer that has bought my XXXX account. I did own up and knew this was my debt so I paid for it to Cavalry. Back last XXXX, XXXX XXXX I noticed that XXXX had aged off my credit report, and that the collection account remained. It is my understanding that collection accounts are deleted at the same time as the original account. I disputed this XXXX XXXX and reported the response back that it meets FCRA Guidelines. I tried to dispute again in XXXX XXXX and received the same response. XXXX XXXX, I am disputing this again and I am awaiting the investigation results. In the meantime I E-Mailed Cavalry in XXXX XXXX and received a response. " Cavalry reports account information to the credit reporting agencies consistent with the industry mandated 'Metro 2 Format ' reporting guidelines. Unfortunately, we are unable to honor your request to remove Cavalry 's credit reporting. " I honestly do n't care what software they use, point is there is a problem at their end and just because they use the required software should not mean its OK to make an error. I did also sent Calvary a certified letter, pending delivery but feel I will be receiving the same response. So I have credit reports going back 10 months showing that XXXX is NOT listed on them. But on those same credit reports I am showing the collector Cavalry is listed, with a note that is is a collection account for XXXX ... but there is no entry what so ever for XXXX. Cavalry is consistently refusing to help me, I even give references to articles on collection accounts being deleted with original accounts but they are not even budging. From everything I read this collection account should not be listed on NONE of my credit reports. They obviously continuing the debt longer then it should be on my reports, because the original entry is at all no longer listed on my credit reports. I gave it more then enough time in case of a simple month or so delay in reporting but 10 months later of reporting a collection on an account that has already aged off my credit report ... that is at least 10 month that I know of. I am going on this issue aggressively this time around because it is an issue that can not wait any longer on getting corrected. Again, I may be repeating my self, but I have a collection account that still hanging on my credit report where the original creditor has aged off my report. This has been happening for at least the last 10 months and Cavalry refuses to correct this.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-10

Buffalo, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Bayside, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

East End, CT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Weston, CT

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Chestertown, MD

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2017-03-08

Elizabethton, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Burbank, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Simi Valley, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Calvary, SPV aka Calvary/Portfolio SPV is attempting to sue me through the Law Offices XXXX XXXX XXXX XXXX XXXX XXXX for a debt of XXXX. This account was closed and part of a class action lawsuits against XXXX ; also Calvary/Portfolio is also the defendant in a class-action lawsuit that I am privy to. I have letters and post card proving that I do not owe the account, as the account was closed per me, noted by XXXX Also class action lawsuit settlement. Their information against me also included a false affidavit. I contacted the County Court with this information, and sent certified letter to XXXX XXXX XXXX XXXX XXXX as of XXXX/XXXX/2017. However, Calvary has resubmitted items on my credit report dated XXXX/XXXX/2017, stating the balance still and that I am disputing it. It is still entered on my report as a debt. No information has yet to be sent to me or reply to the court regarding my answer on their potential judgement.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Louisville, KY

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I learned in 2013 a company named Calvary had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to XXXX and XXXX and I wrote XXXX and XXXX and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-06

Euclid, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2017-03-06

Boardman, OH

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with non-monetary relief

Disputed: No Timely Response