CAVALRY INVESTMENTS, LLC

2015-05-28

Clarkesville, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Sunnyvale, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Sacramento, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: This is a third party debt collector that has been sent written notification to not contact me. In addition, they purchased an old debt and the statute of limitations has expired on the original debt. They reported this debt and it is now on my credit history. The original debt is no longer on my credit history because it is that old.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-27

Murray, UT

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Im trying to fix my credit and this judgement t fron calvery portfolio shows up and the credit counseling company im working with has dine research and called calvary and they cant find nothing under my ssn. Also XXXX police served me a letter and had a warrent for my arrest and inpaid them {$300.00} to no get arrested and i webt to court told them it wasnt me and they told me they were going to investigate and i never heard back from them. I really need this off my credit as soon as possible thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: The company XXXX has been paid in full for an old credit card debt and now the company is trying to collect on the debt a XXXX time by hiring a different agency to collect on the debt. I have my court documents showing the judgement was dismissed due to payment in full. I also have my letter from the first company hired that states the debt was paid in XX/XX/2014. After pulling my credit report, I discovered XXXX has now hired Cavalry Portfolio Services to collect on the same debt and reported false information to the credit bureaus indicating I have not paid the debt. I have to add that the firm I paid did notify XXXX months ago about the debt being paid in full, but yet XXXX hired another company to collect on the debt a XXXX time. This if fraudulent and goes against the Fair Debt Collection Act.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Five Points, NC

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-25

Santa Ana, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Shulerville, SC

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-22

Green Acres, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-21

Peekskill, NY

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

2015-05-20

WV

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-19

Anaheim, CA

Taking/threatening an illegal action

Debt collection: I do not know

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

Disputed: No Timely Response

2015-05-18

Hollywood, 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

2015-05-17

Green Acres, FL

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

2015-05-13

Brooklyn, NY

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

2015-05-13

Addisleigh Park, 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

2015-05-12

Hamburg, MN

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: 1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for MN Trial Court Public Access XXXX ( Fair debt collection practices act, 807, 2A, and 812 ). 2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 3. The company that is threatening me is located in Wisconsin and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

MA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-06

Patterson, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Portfolio is reporting errors on my account from Portfolio for the amount of XXXXXXXXThey have refused to delete the wrong information or give proof it is mine. They are reporting it on XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Davie, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Palos Park, IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: On XXXX/XXXX/2015 they called and I spoke to a representative whom refused to provide further information as to the proof of the debt without a payment arrangement and payment account information from me. That call was at XXXX then I received an automated call at XXXX the same day. Just today I received XXXX automated calls within XXXX minutes of each other.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

NJ

Communication tactics

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

Used obscene/profane/abusive language
Complaint: Hello, I have an account in collections with Calvary Portfolio in NY for a previous account I had with XXXX Bank which was a credit card used for XXXX bills. We had a balance of {$460.00} as of XXXX 2014 with XXXX Bank which was charged off to Calvary and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both XXXX and Calvary attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for XXXX bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-28

Hinkley, CA

Billing statement

Credit card:

Complaint: I purchased a pair of eyeglasses fro XXXX XXXX utilizing a promotion offering 12 months no interest. My wife is the person in our home who pays the bills. One year later I received a call from Calvary Portfolio Services who were bring to collect on a debt for my glasses. However, when they called and asked for my name, address, and city, all of the info the had was incorrect. My name was spelled wrong, my address was wrong, and it was not in the city in which I lived. As a result of this inadequacy of who ever was inputting my info, my credit has been disrupted. I am attempting to refinance my home, and became aware of the marks against my once perfect credit. I have contacted XXXX Bank who opened the credit card and they said that they can do nothing to help get my credit corrected. I have also contacted Calvary Portfolio Services to see if they can assist me, I am currently paying the debt to them, and they also said that they could not do anything to help my cause. I feel that I have been the victim of some person 's inability to input information correctly leading me to file this complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

Discovery Bay, CA

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

2015-04-24

FL

Taking/threatening an illegal action

Debt collection: Medical

Threatened to sue on too old debt
Complaint: I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response