CAVALRY INVESTMENTS, LLC

2019-05-22

Hamburg, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I received notice from collection agency Calvary Portfolio Services dated XX/XX/18 about a debt they say I owe. I have sent Calvary Portfolio Services letters requesting validation of this debt under the Fair Debt Collection Practices Act, 15 USC 1692g Section 809. I mailed the first letter by certified mail on XX/XX/18 asking them to provide me with competent evidence that I have any legal obligation to pay them along with several items. Calvary Portfolio Services responded to my letters but did not provide any of the answers I had asked or properly validate the debt they say I owe. They only provided me with t of bills of alleged charges they claim I owe, which does not meet Federal Trade Commissions guidelines of what constitutes proper debt validation is. I responded with a second letter mailing it on XX/XX/18 requesting them to validate the debt and informing them of their violation of the FCPDA. I have included the letters that I sent to them requesting this information.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-21

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-05-21

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with XXXX/Calvary Portfolio
Company Response: Closed with explanation

Timely Response

2019-05-20

Fort Pierce, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-05-20

Leeton, UT

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: Calvary Hired a Law firm that filed a civil Lawsuit against me in the state of Utah. Prior to the lawsuit, I received 20 to 30 phone calls instructing me to not hang up and stated the law firm name First in order to intimidate me. The callers were pretending to be lawyers. The employees were not lawyers but collection agents hired by the law firm. They left out the fact that they were not attorneys as required by law. I admit it works. I was scared to hang up the phone in fear of legal action. I guess Calvary Svp looks at these type of violations from a business perspective. They assume most of us in financial chaos will not report the violations. They have a long history and more must be done to spot them.
Company Response: Closed with explanation

Timely Response

2019-05-19

Leeton, UT

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: Cavalry SPV I , LLc attornies filed a summons in Civil court against me XXXX of XXXX, 2019. Served to me at my home address and only address on file on XX/XX/2019. I then intern filed a Response to the civil suit on XX/XX/2019. On XX/XX/2019 Cavalry SPV I , LLC violated section 805 ( b ) my sharing my personal and confidential information with a Third Party. On XX/XX/2019 Calvary SVP, LLc filed a Certificate of Service of Plaintiffs initial disclosure in the Civil case against me. It was sent and signed for by someone in the state of Texas. I was informed they also broke rule 26 of Utah law. Failing to provide the debtor with proof of debt within 14 days. I still have not received any documents pertaining to the debt I am being sued for. I was told file a complaint with cfpb as Calvary has a history of such violation in many states. I can provide court records, case numbers and other documents that validate
Company Response: Closed with explanation

Timely Response

2019-05-18

MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I had a credit card taken out under my name and the debt was charged off by the creditor. i put a dispute for this debt on my credit report several years ago and officially responded several times to the collection company that the debt is not mine. I asked several times for proof with an application and statements that this debt is mine and they have refused to provide this to me.They continue to harass me an are trying to take me to court for this. I have taken all of the necessary steps to let this collection company know that this debt is not mine and they are still harassing me. This needs to stop.
Company Response: Closed with explanation

Timely Response

2019-05-14

Quartzsite, AZ

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Hello, I have been attempting to work with Cavalry SPV LLC to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted Cavalry to resolve the dept since in have not received any information via mail or phone. Cavalry informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is XXXX XXXX XXXX in XXXX AZ. I was able to attain the phone number of the law firm after Cavalry told me they would not be able handle taking care of the dept even though it still under their name on the credit report. I have attempted to call XXXX over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called Cavalry back and spoke to their legal department on XX/XX/19 explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at XXXX to contact me so we can attempt resolution. No response from XXXX on XX/XX/XXXX so I called Cavalry back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at XXXX and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX to tell me his voice mail was full so I was not able to leave a message to get a call back. My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. Thank you for your consideration as a consumer to get through this! XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-13

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: The current account on my credit report is not mine I am a victim of ID theft I have sent an ID Theft Report this company has chosen to ignore my proof. They are blatantly disregarding FCRA and FDCP statutes
Company Response: Closed with non-monetary relief

Timely Response

2019-05-11

Austell, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-10

OH

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Cavalry Portfolio Services has been reporting a collection debt to both XXXX and XXXX since XX/XX/XXXX. This is supposedly for a XXXX XXXX credit card account that was included in a bankruptcy I filed back in XXXX making the debt no longer owed. I contacted Calvary Portfolio Services on XX/XX/XXXX and was told they could not release any information to me about the account. I called again on XX/XX/XXXX and was told the same thing. They are violating my rights under the FCRA and refusing to supply me with any information validating their claim or proving this debt is valid. Their reporting is harming me financially and after repeated attempts to resolve with them I have gotten no where. I have new current credit lines with XXXX XXXX and this makes no sense at all.
Company Response: Closed with explanation

Timely Response

2019-05-09

Lewisville, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: *Cavalry SPV I, LLC Violated/failed to respond Texas finance 392.202. *Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. # # Complaints, As of today XX/XX/191. Cavalry SPV I , LLC didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 3. Didn't request dispute but Cavalry mark trade lines as dispute.
Company Response: Closed with explanation

Timely Response

2019-05-09

Brooklyn, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-05-09

Blaine, MN

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-05-08

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I've attempted to resolve this Identity Theft issue with Cavalry Portfolio multiple times. I even submitted a request to the credit bureaus and the bureaus have not been compliant per FCRA 605B. This account was a result of Identity Theft and I request that it be blocked/removed IMMEDIATELY. I've submitted all requested documents per the FCRA ( ID, FTC Report, and detailed request ). This account needs to be blocked/deleted as it is not mine. I already tried requesting validation and disputing multiple times and have even requested method of validation and I simply get a response saying " We've determined this account is valid '' with no further details. Please see my supporting documents attached for the Identity Theft report and have Cavalry Portfolio/XXXX XXXX delete this account for me.
Company Response: Closed with explanation

Timely Response

2019-05-07

Lewisville, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: *Cavalry Portfolio Violated/failed to respond Texas finance 392.202. *Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. # # Complaints, As of today XX/XX/19 1. Cavalry didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 3. Remark trade lines as DISPUTE.
Company Response: Closed with explanation

Timely Response

2019-05-06

Manhattan, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-05-06

MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I was notified in XXXX of XXXX that Cavalry had purchased a debt from XXXX and claimed I owed {$5900.00} and began reporting a collection to all three credit bureaus. The original debt is from XX/XX/XXXX. I disputed the debt and Cavalry has not provided adequate documentation showing that the debt is valid or belongs to me. Cavalry is also reporting false and inaccurate information regarding the age of the debt. As I do not believe that this debt is not valid, I have requested to have the matter be settled via arbitration and have served both Cavalry and their law firm with a demand for arbitration. Cavalry has not responded to the arbitration demand and continues attempts to collect the debt in violation of the FDCPA.
Company Response: Closed with explanation

Timely Response

2019-05-06

Garrett Park, MD

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I reported to XXXX an error on my credit report for Cavalry ( XXXX ) debt collection. The error is that they are not reporting monthly payments but indicate in the comments partial payments being made. How payments are made and reported is crucial for how the credit report is reflected. Isn't scheduled payments of an agreement whether partial still a payment? Then the payments and more particularly, the amounts should be reflected regardless of the collection amount owed.
Company Response: Closed with explanation

Timely Response

2019-05-03

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-04-26

Killeen, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-26

Sylvester, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On XX/XX/2017, this debt for {$520.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Company Response: Closed with explanation

Timely Response

2019-04-25

Des Moines, IA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-04-23

Atlanta, GA

False statements or representation

Debt collection: Credit card debt

Told you not to respond to a lawsuit they filed against you
Complaint: Cavalry SPV hired XXXX XXXX XXXX XXXX to collect my deb, XXXX hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then XXXX XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. They fabricated the notice, I never received a notice to go on court neither my family did.
Company Response: Closed with explanation

Timely Response

2019-04-23

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I contacted Cavalry Portfolio Serv by mail about a collection that appears in my credit report they responded back with a screenshot of an online photo about an account I don't know nothing about this account. This is the details that show in my 3 bureau credit report. Account Name : Cavalry Portfolio Serv Account # XXXX Original Creditor : XXXX XXXX Account type : Collection Date Opened : XXXX XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to an attorney, collection agency, or credit grantor 's internal collection department. Status Updated : XX/XX/XXXX Balance : {$4400.00} Balance Updated : XX/XX/XXXX Original Balance : {$4400.00} Past Due Amount : {$4400.00} Terms : 1 Month Responsibility : Individual
Company Response: Closed with explanation

Timely Response