CAVALRY INVESTMENTS, LLC

2016-11-17

Oxford, GA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I recently began getting my wages garnished by Calvary Portfolio Services who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-15

W Bloomfield, MI

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-11-15

Chesapeake, VA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-11-14

Atlanta, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Cavalry Portfolio Services continues to collect on an alleged debt that is outside of the statue of limitations per my credit report and they have failed prove that this alleged debt actually belongs to me. Over the course of the last couple months, I have attempted to have them prove to me that this account is mine to no recourse.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-14

Brickerville, PA

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

2016-11-10

Glenview, IL

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-11-10

MO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-08

Salton City, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I have repeatedly requested that Cavalry Portfolio Services provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Louisville, KY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: In XXXX XXXX I rcvd my first letter from Cavalry Portfolio Services Requesting Payment of XXXX XXXX XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. -a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of XXXX states and a list of the states they hold a license in to practice but did not include the other requested information. In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for XXXX on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. I have had to deal with Calvary for the last year on a previous debt which they also failed to validate as requested.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Santa Ysabel, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I have repeatedly requested that Cavalry Portfolio Service to provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Manhattan, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-11-01

San Gabriel, CA

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Complaint: Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

San Francisco, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: the law offices of XXXX sued me and got a judgement against me on time barred debt and now my check is being garnished
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Jupiter, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: CAVALRY PORTFOLIO SERVICES IS AGRESSIVELY ATTEMPTING OT COLLECT DEBT ON THIS ACCOUNT EVEN AFTER I SENT THEM LETTER FROM XXXX XXXX AND EVEN AFTER I SERVED THEM WITH CEASE AND DESIST THEY IGNORED ALL REQUESTS TO VALIDATE THIS ACCOUNT AND IGNORED ALL DEMANDS TO STOP THEIR HARASSMENT ON THIS ILLEGALLY OBTAINED BY THEM ACCOUNT. XXXX XXXX STATE THEY NEVER HEARD OF CAVALRY AND DID NOT SELL THIS ACCOUNT TO THEM ... THIS MUST STOP
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-31

Austin, TX

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-10-30

Reno, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-29

East Barre, VT

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

2016-10-29

Hawthorne, CA

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

2016-10-27

Stratford, CT

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-25

Columbia, SC

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-18

Rockford, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Bellaire, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-12

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

2016-10-12

Brooklyn, NY

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: The collection agency is reporting an account status/payment history to XXXX. For example, it notes my payment status as late and has been doing so since 2014. The history section of this history includes 30, 60, 120 days late and the monthly late payments continue to negatively affect my score. I called experian to have this removed an told them that collection agencies are not allowed to include this fraudlent information on my account and they said no and pressured me to not submit saying " it would n't get appoved anyway '' and that this was not a law. I know that 30/60/90/120+ lates are ONLY in regard to lates on the Original Creditor ( OC ) account. The reporting codes available to Collection Agencies only allows them to provide monthly updates to the Credit Reporting Agencies ( CRA ) as to the current account status as open ( unpaid ), paid in full, paid for less than the full amount, paying under terms. or deleted. I want this erroneous/fraudulent/unlawful information removed from my report. They also are reporting this account is " 1-Month '' term and CA 's are not supposed to code that entry that way. CA Name : Calvary Portfolio Services
Company Response: Closed with explanation

Disputed: No Timely Response