CAVALRY INVESTMENTS, LLC

2015-11-19

Panther Creek, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Bethesda, MD

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-11-17

VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: My name is XXXX on XX/XX/XXXX I had my credit report ran and saw a judgement against me on XX/XX/XXXX. When I contacted Calvary XXXX ( the agency that filed the judgement ) and gave them the account numbe I was told that this account belongs to someone named XXXX XXXX and that they can not discuss the matter with me. I tried going through their escalation process to have this judgement removed but with no success. My attorney XXXX XXXX XXXX XXXX XXXX even sent them a letter on XXXX XXXX, 2015 and neither he nor I have received a response and the judgement is still sitting on my credit report, and they will not discuss the matter with me or him.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-12

San Francisco, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-11-11

Natrona Hts, PA

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2015-11-10

Houston, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I requested written investigation/verification of an alleged debt, Lates/CO under the FCBA & FDCPA I requested written investigation/verification of an alleged Lates/CO under the FCBA from Cavalry Portfolio Services DEBT BUYER that " Cavalry Portfolio Services '' claim I owe, but to no avail did they investigate/verify the alleged debt or even alleged late pays/charge off on specific dates. I requested a investigation/verification of this alleged debt & lates from " Cavalry Portfolio Services ''. I have yet to receive a response - their silence is their agreement to the facts. " Cavalry Portfolio Services '' failed to provide me with a legal verification/validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. Yes, in the state of TX a creditor that collects its on debt is covered under the TDCPA.I am demanding that " Cavalry Portfolio Services '' delete this account/derogatory information from all credit reporting agencies ( XXXX, XXXX, XXXX ), because they have not abided by the laws of the Federal Trade Commission, FCBA, FCRA, TDCPA. a.When notified of a dispute about information furnished to a CRA, 1681s-2 ( b ) obligates a person to conduct an investigation and report the results to the CRA. 15 U.S.C. 1681s-2 ( b ) ( 1 ). The XXXX XXXX has held that investigation must be a reasonable XXXX " to determine whether the disputed information can be verified. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .b.As the court noted in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX JMR/FLN, 2007 XXXX ( XXXX XXXX XXXX ), " the majority of courts considering the question have drawn upon defamation 's traditional 'multiple-publications rule '. Under this rule, each publication of the same falsehood by the same defamer is a separate cause of action, thus starting the limitations clock anew. '' ( citing Restatement ( XXXX ) of XXXX XXXX ( 1 ). In the FCRA context, this means each transmission of an erroneous credit information is a separate FCRA violation. Cavalry Portfolio Services did n't answer the following that I asked for below and signed contract agreement : *A copy of the original signed credit application showing the terms of the agreement. *A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. *Copies of all documents and financial instruments used to pay the disputed late payments. *Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. *Copies of all documents sent to me regarding my account. *Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations. *Please provide proof of receipt of payment to Cavalry Portfolio Services XXXX and Cavalry Portfolio Services policies for investigating this type of dispute. *Please also provide the required employee handbook sections that describe your company 's methods when dealing with lost or misapplied payments, computer glitches ( down time ) for manual payments, Cavalry Portfolio Services methods when dealing with lost or misapplied payments and the internal procedures for review and investigation of misapplied payments.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-05

Newport Beach, CA

Taking/threatening an illegal action

Debt collection: Credit card

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

Disputed: No Timely Response

2015-11-04

AL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX, hired by Cavalry SPV I , LLC as assignee of XXXX, filed a civil motion on XX/XX/XXXX on time barred debt. The last payment that was later returned was on XXXX XXXX, 2012, so it fell into default XX/XX/XXXX. In the state of Alabama credit cards have a 3 year statute of limitations on them. As of XX/XX/XXXX this account was past the 3 years. Nine months later XXXX XXXX XXXX filed a summary judgment with XXXX County Courts, Al. Regarding the FDCPA it is against the law for a collection company to sue on time barred debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Key Biscayne, FL

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-04

AL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Calvary Collections and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-02

Decatur, AL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-02

Hanceville, AL

Taking/threatening an illegal action

Debt collection: Credit card

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

Disputed: No Timely Response

2015-10-29

San Diego, 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 non-monetary relief

Disputed: No Timely Response

2015-10-29

Cordova, TN

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

PA

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-27

Kendall, 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

2015-10-26

Oxford, GA

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: Yes Timely Response

2015-10-23

South Florida, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Washington, DC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I was oringinally late making payment went into collection back XX/XX/XXXX but the account has been paid off since XX/XX/XXXX and they are still reporting my account in collections. I have repeatedly contacted them about this issue but they have replied back to me that they will not remove it from collections. It is reported in collections XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Newport Beach, CA

Taking/threatening an illegal action

Debt collection: Credit card

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

Disputed: No Timely Response

2015-10-19

Mountlake Ter, WA

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

2015-10-16

NJ

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I received a letter from the law firm XXXX XXXX dated XXXX XXXX, 2015 that have been retained by Cavalry SPV I , LLC to collect on an amount due from Original Creditor, XXXX XXXX XXXX. I have never received any communication from Cavalry prior to receiving the letter from XXXX. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. I believe XXXX XXXX has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by Cavalry to contact me. I have requested proof from XXXX XXXX proving they have been retained by Cavalry to collect the debt other than the law firm stating so on their letterhead. I will attach correspondence at this time and will assist you in all ways possible.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

San Jose, 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

2015-10-11

Longwood, 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

2015-10-10

CA

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: I am reporting Calvalry Portfolio Services for illegally reporting false information to the XXXX Credit Bureau. It can be found under the Public Record section of my credit report. They have deceived the credit bureaus to intentionally re-age the debt. The background of this debt : This account with orignially with XXXX and openedaround XXXX XXXX. I have the records indicating the first missed payment was XXXX XXXX. It was charged off XXXX XXXX. This account is only supposed to continue on record until XX/XX/XXXXCalvalry 's False Claims:1. ) They claim to have served me notice on XXXX XXXX XXXX. This is inaccurate. I received no claim and had no knowledge of Calvalry 's identity or that the debt changed hands. Calvalry can not provide any evidence for this claim. 2. ) They claim that their law firm, XXXX XXXX served me notice on XXXX XXXX XXXX. This is also false, I received no such notice and neither Calvary or the law firm has any evidence to support the claim. 3. ) They claim that I was served notice on XXXX XXXX XXXX that XXXX XXXX filed a lawsuit for the account. This claim is also inaccurate. Neither Cavalry nor the law firm can provide any legitimate accurate evidence to support this claim. I am reporting Calvalry and their law firm for giving false information to the courts. I received no court summons, no information from Cavalry whatsoever that the debt changed hands. I made absolutely no deals with them, received no notices or court papers. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX XXXX when it is only supposed to be XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response