CAVALRY INVESTMENTS, LLC

2015-08-11

Natrona Hts, PA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-09

Glendale, CO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: Calvary Portfolio Services for XXXX this XXXX is from 2004 11 years ago yet Calvary Portfolio Services keep putting this debt on my credit report as if its a new debt. I have disputed this with the credit bureau but they do nothing this is dragging down my credit score, and beyond the statue of limitations Colorado the statute of limitations is XXXX years what they are doing is illegal the card has been closed for XXXX years. and I do not think XXXX even exists anymore.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-06

CO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Griffin, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

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

2015-08-04

Cottage Grove, MN

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

2015-08-03

Hawthorne, NJ

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-03

Corona, CA

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Santa Rsa Bch, FL

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: Refused to give me name and phone number of company along with address before I verified social security information. Requested no phone calls and to have written documentation of debt. Became aggressive when stated my right to know who they were and where located and how I could contact.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-01

Eagan, MN

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Addisleigh Park, 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

2015-07-29

Vicksburg, MI

Taking/threatening an illegal action

Debt collection: I do not know

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

Disputed: Yes Timely Response

2015-07-29

Ellenwood, GA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-07-29

Carrollwood, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Aurora, CO

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-07-27

Missouri City, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Santa Ysabel, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have requested both XXXX XXXX XXXX XXXX and Calvary Portfolio to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-27

Bainbridge, GA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX bank money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of XXXX XXXX XXXX XXXX XXXX, XXXX./XXXX , XXXX The problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 ) XX/XX/XXXX, XXXX wrote off this bill. Thus leaving a balance of zero owed. 3 ) The original bill of sale was from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in XXXX, I am not sure if they are legally able to operate in the state of XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Oxford, GA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Over XXXX years ago XXXX XXXX XXXX charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. Cavalry SPV LLC is trying to attempt to collect that debt. This is a XXXX party debt collector. The debt and the statute of limitations has expired on the original debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-26

Southern Pnes, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

Eagle Pass, TX

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

2015-07-23

Cheyenne Wells, CO

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Cavalry Portfolio Services L.L.C. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 1. They bought an old debt of mine from around XXXX from XXXX XXXX XXXX. I moved to XXXX in about XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 3. They never sent me a receipt for the money. OR reported it on my credit report. 4. In the state of XXXX that debt should have expired. 5. Now in XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XXXX. Which is falsified. This debt should have expired. 6. Also, this home was NOT used to secure any debt with XXXX XXXX XXXX ( or Cavalry ). IT SEEMS that The lien should not be attached to this property legally should IT??? Also, in XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept XXXX XXXX XXXX because the interest was XXXX percent fixed. But alter selling my home I became XXXX and could not do simple paperwork and the XXXX XXXX XXXX card never got paid. Of course Cavalry did not care about anything but making money from me. ( I NOW know ... ) 8. According to Cavalry 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from XXXX XXXX XXXX around XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! I attach images of the paper work. to substantiate my claims. Thank You.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

West Brandywine, PA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I have just discovered that I have a judgement against me with a company named Cavalry SPV I , LLC. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from cavalry. I called Cavalry to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also both my teenage children. I would like this investigated and judgement removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: This is a XXXX account and the last activity was back from 2006 which is past the statute of limitations to report but this company keeps on reporting. I have disputed with no results and this company continues to list. Please help
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-22

WA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
Company Response: Closed with explanation

Disputed: Yes Timely Response