CAVALRY INVESTMENTS, LLC

2019-07-29

Swansea, MA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-07-27

Columbus, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: Im not familiar with this credit card provider
Company Response: Closed with explanation

Timely Response

2019-07-26

Windsor Castle, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-21

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-20

Magnolia, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I received a notice of justice court citation. The citation states that I was sued by Calvary SPV l , LLC, ASSIGNEE OF XXXX XXXX on XX/XX/2019. I am being sued for {$2200.00}. There are no actions taken by me at this time.
Company Response: Closed with explanation

Timely Response

2019-07-17

OH

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: XX/XX/2019 - company called and left a voicemail at XXXX XXXX on a line that explicitly states it is a shared line using my name and stating theyre a debt collector attempting to collect a debt. XX/XX/2019 XXXX XXXX - company calls my personal cell. I answer. First calls me by the wrong name and then corrected himself after I stated it wasnt my name. Asked if I wanted to pay on my debt that they bought from the original debtor, I told him I was considering getting an attorney, that they had left a voicemail on a shared line with explicit details thus violating the FDCPA. He said he was going to talk to his manager. Placed me on hold and then returned and said his manager stated that wasnt a violation of any kind and theyre allowed to leave those voicemails. Then continued asking me to pay on the debt. Did not attempt to resolve the issue and pretended like the FDCPA doesnt exist and theyve never heard of it.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-15

Lewisville, TX

Incorrect information on your report

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

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

Timely Response

2019-07-14

Harsens Is, MI

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: Had no prior notice of claimed debt or how much or why debt was owed. Suing company ( Calvalry SPV I LLC simply tried to serve summons notice via USPS mail and later sent summons server declaring there intentions to serve me summons. I only found out that I was being sued from attorney letter offering to help with law suit in letter dated XX/XX/2019.
Company Response: Closed with explanation

Timely Response

2019-07-12

Killeen, TX

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

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-07-11

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation

Timely Response

2019-07-08

Milan, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX sent a letter stating that Calvary Portfolio was their client for a debt balance {$3300.00}. XXXX XXXX XXXX Services stated they were authorized to accept {$1000.00} on behalf of their client, due XXXX/XXXX/2019 as settlement in full. I sent {$1000.00} to XXXX XXXX XXXX XXXX to settle this account in full and XXXX confirmed my payment was delivered to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XXXX/XXXX/2019 at XXXX Central and signed by XXXX XXXX On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XXXX/XXXX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from XXXX XXXX XXXX XXXX to verify this new amount due of {$2300.00}. I checked my three credit reports and Calvary Portfolio has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with Calvary since this was settled in full per the terms outlined in the letter sent by XXXX XXXX XXXX XXXX XXXX/XXXX/2019.
Company Response: Closed with explanation

Timely Response

2019-07-04

North Hollywood, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: ON XX/XX/2019 ( THURS ) I GOT A CALL FROM XXXX XXXX ( LEVY DEPARTMENT ) LETTING ME KNOW BY VOICEMAIL THAT THERE IS A CHANGE IN MY ACCOUNT. WHEN I CALLED, THE XXXX PERSON TOLD ME THAT THERE IS A LEVY IN MY ACCOUNT AND THAT THEY ARE HOLDING $ XXXX++ ( DON'T KNOW THE EXACT AMOUNT TO THE PENNY- THIS AMOUNT IS MY WAGE EARNINGS SCHEDULED TO BE USED FOR CHECKS I'VE ISSUED, CHILDREN 'S ENROLLMENT AND OTHER BILLS. ) AND IS SCHEDULED TO RELEASE MY MONEY TO I DON'T KNOW WHOM ON XX/XX/2019. I ASKED THE PERSON WHAT IT IS ABOUT, AND COULDN'T TELL ME EXACTLY WHAT IT IS FOR AND SUGGESTED FOR ME GO TO A LOCAL BRANCH AND GET A COPY OF THE DOCUMENTS THEY HAVE. I THEN GO TO XXXX XXXX BRANCH ( A BRANCH I NORMALLY GO TO ) AND ASKED THE BANKER TO PRINT A COPY FOR ME, I THEN EXAMINE THE DOCUMENT AND SAW THAT IT HAS A NAME I HAVE NEVER USED EVER AND WAS WITH MY SOCIAL SECURITY NUMBER. CREDITOR ( PLAINTIFF ) SAYS XXXX XXXX XXXX, WHOM I DONT KNOW. I CALLED THE ATTY IN THE CASE AND I WAS TOLD THAT HE WOULD PUT MY CASE TO THEIR DISPUTES DEPARTMENT AND WILL SEND ME AN ID THEFT PACKET ( WHICH I NEVER RECEIVED TILL NOW ). I WAS QUESTIONING HIM THAT HOW COME I DON'T SEE THIS IN MY CREDIT REPORT TO WARN ME THAT SOMETHING SUSPICIOUS IS HAPPENING. I ALSO ASKED HIM FOR THE ORIGINAL NOTE/OR STATEMENT OF WHAT WAS OWED TO SEE IF IT WAS ME WHO OPENED THIS ACCOUNT. HE JUST TOLD ME THAT MY CASE IS GOING TO BE IN THEIR DISPUTES DEPARTMENT AND HE ALSO TOLD ME THAT TO WAIT FOR THE ID THEFT PACKET HE WILL MAIL ME AND THAT I SHOULD FILL IT OUR AND RETURN TO HIM AS SOON AS POSSIBLE. WHEN MY LAWYER FRIEND CALLED THIS SAME LAWYER ( XXXX XXXX XXXX MR XXXX XXXX ) HE TOLD MY FRIEND THAT HE WILL PUT A HOLD ON THE GARNISHMENT ON MY ACCOUNT - BUT IT SEEMS LIKE HE NEVER DID. ON THE SAME DAY, XX/XX/2019, I WENT TO A POLICE STATION IN XXXX XXXX TO REPORT THIS ID THEFT AND THE OFFICER TOLD ME HE CANT FILE A POLICE REPORT BECAUSE IT IS NOT AN ID THEFT BECAUSE IT HAS MY SOCIAL. I DONT UNDERSTAND! I THEN GO TO THE COURT IN XXXX XXXX XXXX ON FRIDAY XX/XX/2019 AND GOT A COPY OF THE COURT DOCUMENTS. I SEE HISTORY OF ADDRESSES THEY SUPPOSEDLY HAVE SERVED THE PAPERS. THE COURT DOCUMENTS DONT HAVE MY SOCIAL SECURITY AND OTHER PERTINENT, ADDRESSES THAT I NO LONGER LIVE IN FOR MANY YEARS. IT SEEMS TO ME THAT THEY ARE JUST SLOWLY PUTTING MY INFORMATION TOGETHER, ALL THEY HAVE OF ME IS MY SOCIAL SECURITY. ON THIS SAME DAY I WENT TO THE SAME XXXX BRANCH I WENT TO ON XX/XX/19 AND SPOKE TO XXXX XXXX, A PERSONAL BANKER WHO KNOWS ME FROM COMING TO HER WHENEVER I NEED ASSISTANCE FOR ANYTHING REGARDING MY ACCOUNT. I TOLD HER MY STORY AND SHE CONTACTED AND INVOLVED THE BRANCH MANAGER XXXX XXXX AND XXXX INFORMED THEIR ESCALATIONS DEPARTMENT ABOUT MY CASE. WHO SAID THAT THEY COULD NOT DO ANYTHING TO RELEASE MY MONEY BECAUSE THE DOCUMENTATION PRESENTED TO THEM HAD MY FULL SOCIAL SECURITY THOUGH I REPEATEDLY TOLD THEM THAT I AM TRYING TO DISPUTE THIS AND THAT I ASK FOR THEM TO INVESTIGATE FURTHER SINCE IT DIDNT HAVE MY FULL NAME AND I HAVE NO RECOLLECTION WHATSOEVER, THAT I OPENED AN ACCOUNT WITH THIS CREDITOR. THEIR ESCALATIONS DEPARTMENT THEN TOLD MS XXXX THAT THEY WILL CALL ME NO LATER THAN WED OF THIS WEEK TO GIVE ME AN UPDATE. I EVEN TOLD MS XXXX THAT EVEN IF SHE KNOWS MY FACE AND NAME, WHENEVER I COME TO HER FOR HELP REGARDING MY ACCOUNT SHE STILL ASKS FOR 3 FORMS OF IDENTIFICATION : MY ATM CARD, MY PIN AND MY DRIVER 'S LICENSE. HOW COME XXXX CAN NOT DO THE SAME FOR ME? I EVEN ALSO GAVE HER AN INSTANCE WHERE I TRIED TO DEPOSIT A CHECK THAT MISSPELLED MY LAST NAME AND THEY REFUSED TO ACCEPT IT WHEN IT WAS ONLY 1 LETTER OFF MY LAST NAME .SHE JUST SHRUGGED AND SAID THAT IT IS WHAT IT IS AND SHE CAN'T DO ANYTHING ABOUT IT. I ALSO CALLED THE XXXXXXXX XXXX XXXX AND AFTER SEVERAL ATTEMPTS I WAS ABLE TO CALL MR XXXX XXXX AND ASKED HIM ABOUT THIS CASE AND ASKED HIM TO PROVE TO ME THAT THIS IS MY DEBT AND THAT HE HAS TO GIVE ME ANO ORIGINAL APPLICATION AND STATEMENT BUT HE KEPT SILENT AND SAID SOMETHING ELSE. ON THE SAME DAY, FRIDAY, XX/XX/2019 I WENT BACK TO THE POLICE STATION IN XXXX XXXX ONLY BECAUSE FROM MY RESEARCH, I AM ALWAYS ADVISED TO GO AND FILE AN ID THEFT WITH THE POLICE DEPT, STILL THE SAME ANSWER. AND WAS TOLD TO GO TO XXXX XXXX POLICE STATION. SO I DID AND SPOKE TO A COUPLE OF OFFICERS AND TOLD ME THE SAME THING. IT'S NOT ID THEFT COZ IT HAS MY SOCIAL. BUT HOW COME IT IS NOT IN MY CREDIT REPORT? MONDAY, XX/XX/2019 I SPOKE TO OUR ATTY FRIEND, MR XXXX AND HE TOLD ME THAT HE HAD SPOKEN TO THE ATTY IN CHARGE OF THIS CASE ( MR. XXXX XXXX ) AND THAT HE WILL EMAIL HIM A POSTPONEMENT OF THE LEVY. WE ARE STILL WAITING FOR THAT UNTIL THIS TIME. TUESDAY, XX/XX/2019 : XXXX ESCALATIONS DEPARTMENT CALLED AND INFORMED ME THAT THEY WOULD NEED 2 DAYS TO INVESTIGATE ON THIS MATTER AND WILL LET ME KNOW BY THURSDAY. I DON'T KNOW IF THAT IS ENOUGH TIME FOR ME TO BE ABLE TO PUT A HOLD ON THE LEVY UNTIL IT IS FURTHER INVESTIGATED FAIRLY THAT THIS ACCOUNT IS MINE. AFTER A FEW HOURS I CALLED XXXX COMPLAINT AND ESCALATIONS DEPARTMENT AND ASKED THEM FOR A VERIFICATIONS OF DEBT LETTER, I SPOKE TO XXXX AND SHE TOLD ME THAT THEY DONT HAVE THAT AND THAT I NEED TO ASK THE ATTY ASSIGNED TO THE CASE WHO IS MR XXXX XXXX FOR THAT. I KNOW THAT I HAVE ASKED THIS FROM MR XXXX THE TIME I CALLED HIM ON XX/XX/2019 AND ASKED TO FURNISH ME THE ORIGINAL NOTE OF THE DEBT, AND HE JUST KEPT SILENT AND TOLD ME SOMETHING ELSE. ALSO, ON XX/XX/2019, I WENT TO THE SHERIFF 'S DEPARTMENT TO FILE A CLAIM OF EXEMPTION -ENFORCEMENT OF JUDGEMENT. I WAS TOLD THAT THIS COULD HOLD OFF THE DISBURSEMENT OF MY MONEY TO THE CREDITOR. THIS IS IT FOR NOW. I HAVE BEEN SEEKING LEGAL HELP BUT IT SEEMS LIKE IT WILL COST ME THE SAME AMOUNT TO KEEP MY MONEY ( XXXX ) OR EVEN MORE. I REALLY HOPE YOU CAN HELP ME.
Company Response: Closed with explanation

Timely Response

2019-07-03

Bay Terrace, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-03

Philatelic Center, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I tried to fix this problem with this company on XX/XX/XXXX.I sent him a formal request for investigation for information that is not mine. An invalid item which do not belong to me, was found on my credit report. I've done the hard work, checking accounts against records and this account is not mine. So I want that item to be removed from my credit report.Please help me to solve this issue because it is not fair that this negative item is being reported if its not mine. The accounts I am writing to you about is listed below : 1. CAVALRY PORTFOLIO SVCS account # XXXX, Placed for collection : XX/XX/XXXX, balance : {$11000.00}, status : In Collection.
Company Response: Closed with explanation

Timely Response

2019-06-29

Holladay, UT

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

2019-06-23

Cheverly, MD

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

2019-06-23

Columbus, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
Company Response: Closed with explanation

Timely Response

2019-06-21

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-06-21

Bel Alton, MD

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-06-21

Deerfield Beach, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-06-21

NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: CAVALRY PORTFOLIO SERVICES # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. SOME TYPE OF PROOF OF OWNER I request that CAVALRY PORTFOLIO SERVICES Provide verification of the following a itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAVALRY PORTFOLIO SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Closed with explanation

Timely Response

2019-06-20

Flushing, NY

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

2019-06-20

Flushing, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-06-18

Cheltenham, PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-18

Augusta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I was notified by XXXX XXXX XXXX. on XX/XX/XXXX that my husband 's SS #, DOB , phone number ( but not address ) and identity had been used to get credit from XXXX XXXX to purchase furniture online from XXXX XXXX XXXX for {$4700.00} on XX/XX/XXXX. The loan was purchased by Cavalry SPV I/LLC ( file # XXXX ). I discussed this with Cavalry and the address used was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA and we had never lived there. I assume the furniture was delivered there or some other location. It looks that purchase happened on 2 separate occasions. We have never lived in XXXX XXXX. Cavalry had my current address as they send us the bill. They would also have my previous address. I did file a police report with XXXX Co. GA sheriff 's office ( file # XXXX ). I also wrote a letter to Cavalry explaining that this was not my husband and we never purchased with credit from XXXX. I have purchased from there but always charged with XXXX. I believe Cavalry knows this was not my husband and this was identity thief/fraud based on my discussion with them but they are continuing to contact us. This is harassment as we are the victims! They know the furniture was purchased under fraud and they know where it was delivered! I requested the debt be removed from our credit reports and any other places it may appear as it is not us! According to them, they need this formal, notarized document to do an investigation. That is not a legal requirement! I want this to go away and them leave us alone!
Company Response: Closed with explanation

Timely Response