CAVALRY INVESTMENTS, LLC

2015-04-24

GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Received call from XXXX advising they were Calvary Portfolio calling on a personal matter. I researched and found they were debt collectors, I called back. They said it was a personal matter when I asked if they were debt collectors. I advised that pursuant to the debt collection laws I requested that contact in future be in writing, they again advised was personal matter. I spoke with agent XXXX at ext XXXX and then the floor supervisor XXXX, that was the names they provided. They have been put on notice and still fought me on calling back to discuss the matter. I feel they are using " personal matter '' as a way of hiding their true nature and an attempt to get around the fair debt collection act laws.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-23

Kansas City, MO

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Library, PA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX is trying to collect on a Debt that they have Changed the Date to a Newer Date and they made XXXX Debts into claiming that they is now XXXX Debts. There were only XXXX Debts and they were from XX/XX/XXXX-XX/XX/XXXX and now they claim that there are XXXX Debts and they are the XXXX duplicates.. I called them and told them they were the same Debts and they told me to pay all XXXX of them or they would have me arrested. Contacted XXXX and they claim they are valid, But never did any research on any of the debts or they would have clearly seen they are the same debts and are " re-aged ''
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Washington, DC

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

2015-04-20

Wildomar, CA

False statements or representation

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

Impersonated an attorney or official
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-19

Warrenton, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-17

Philadelphia, PA

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-17

Green Acres, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Jackson, NJ

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

NV

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: There is a certain debt collector known as XXXX XXXX XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-14

Newport News, VA

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

2015-04-14

FL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: CAVALRY SPV I LLC AS ASSIGNEE OF XXXX, has filed a summons with the XXXX XXXX XXXX XXXX court in Florida. They are suing me for a debt that I do owe to a credit card company. I have never received any form of communication from this " debt collector ''. The only reason I even learned of the summons is because I filed for divorce in XXXX county Florida and I was checking my case. How can someone sue me when they have never sent me any form of communication nit even a phone call. When I found out about this summons, I called the law firm of XXXX XXXX, whom is representing the debt collector. After about a week they finally returned my phone call only to threaten me, by telling me that they will win their judgement against me and when they do I will be ruined and my credit will suffer even worse than it already has and that employers check your credit now so I would have a hard time finding employment. I am a single mom of XXXX trying to put myself through school so I can make a better life for them. I have no car, no job, and we live with my parents. When I explained this to XXXX from the law office she told me to get money from my parents. My parents are having a hard enough time trying to take care of us as it is. I do not have any way of paying them at this time. She told me she would call me back in a week. I have never heard of this company, they never sent me any form of communication about my debt, and now they are suing me. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Quartzsite, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I see a company reporting that i owe adebt of XXXX for something i do not know of. This is not mine and require proof of contract that i signed or proof showing this is mine. This is not my debt. Please have this company remove from my credit. Thank you
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-13

FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: THE COMPANY IS REPORTING DEBIT AS ONLY XXXX YEARS OLD WHEN IN FACT THE DEBIT IS XXXX YEARS OLD
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Beyersville, TX

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: 5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX XXXX. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM XXXX TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT XXXX XXXX XXXX HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED XXXX XXXX XXXX AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY CALVARY PORTFOLIO HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH XXXX.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO CALVARY WITH NO RESPONSE.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Santa Ysabel, CA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. And is now reflecting as a collection account on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-08

Arvada, CO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Emu U Of Or, OR

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-04

Bridgeton, NJ

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

2015-04-02

Birmingham, AL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-04-02

Discovery Bay, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: In XXXX I sent this company a request for validation. The company failed to provide me with the contractual agreements and statements that I had asked for and continued reporting the account on my credit report. This is a blatant disregard of my rights. It 's obvious this is frivolous debt which can not be validated.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-01

PA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Sangerville, ME

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-30

NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: Cavalry SPV 1, LLC has purchased a pool of charged off accounts at pennies on the dollar and are a Third party debt collectors and racketeers, and have violated my due process rights by proceeding with collection activity without validating the debt. Documents proffered by Cavalry SPV 1, LLC are insufficient to validate the alleged debt. XXXX XXXX and by and through Cavalry SPV1 have worked to committed fraud by preparing and submitting false documents to this court with the intention that this court and I rely on the false documents to the detriment of me. They are doing this to many others as well have made billions doing so in the worst of economics. Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings. They also filed this lawsuit during the holidays XX/XX/XXXX-XX/XX/XXXX with the same intent their tactics are that defendants do n't know how to and/or can not respond in time. I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories. Their response was they did not receive it and/or the same tactics as to file a motion with no time to respond a few days prior to the current court date of XXXX XXXX 2015. XXXX XXXX XXXX on the false documents has severely damaged my ability to support myself and my credit ratings and/or obtain money and/or property and/or to consolidate my debt. And now are helping these racketeers to committed fraud by preparing and submitting a known false document to this court with the intention that I rely on the false document to deprive me of my rights. Cavalry SPV I , LLC, which is an affiliate of XXXX XXXX XXXX. They are a debt buyer typically of defaulted credit card accounts, purchasing them for pennies on the dollar in order to collect on them. They have been known to sue consumers to collect on these purchased debts and allegedly coerced debtors to pay using illegal tactics violating the Federal Debt Collection Practices Act ( FDCPA ). The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value. Assume the following scenario which, for the sake of simplicity of illus-tration, will use simple, rather than compound interest : on XXXX XXXX, a consumer owes {$1000.00} on her credit card, all of which is principal and does not include any interest, late fees or other fees. She fails to pay her credit card bill, and never makes another payment. What happens? On XXXX XXXX, she will receive a bill for the {$1000.00}, plus 29.99 % interest based on the annual percent-age rate, plus a late fee for {$39.00}. She will continue to receive these charges for the next 5 months ( for a total of 6 months, or 180 days until the creditor will " charge off '' the account for tax purposes ). By this time, the bill will be approx-imately {$1300.00}, or almost 40 % higher than it was on the day that she defaulted. This {$1000.00} loan, which now includes an extra {$400.00} tacked on since the day the consumer stopped paying, will be sold for {$56.00} ( assuming a sales price of 4 cents on the dollar ), and the consumer will then be sued by a debt buyer for {$1400.00}, plus attorneys ' fees of 15 %, or {$210.00}. ( This assumes they will not also be seeking prejudgment interest of 29.99 % ). For the consumer, the price of de-faulting has suddenly become 161 % of the principal of the amount loaned. For the debt buyer who invested {$56.00}, the potential return on investment is 2,800 % ; {$56.00} invested and {$1600.00} returnedPlease let me know if you needed anything.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-28

Germantown, MD

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Calvary Portfolio Services was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a Calvary Portfolio collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response