CAVALRY INVESTMENTS, LLC

2019-04-22

Chicago, IL

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

2019-04-21

Brooklyn, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-20

Riverdale, MD

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-04-20

MI

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: ENTITY INVOLVED : CALVARY PORTFOLIO SERVICES, LLC. For nearly a year now ( since XXXX ), I have been trying to get erroneous collection data addressed on my credit report with the three credit reporting agencies. The erroneous data resulted in a denial of 3 housing opportunities in XXXX. As a XXXX XXXX XXXX, I am beyond frustrated with the reporting entities ' failure to follow federal rules and regs. As of XX/XX/XXXX : XXXX finally realized that Calvary Portfolio Services was reporting erroneous data that could not be verified, in violation of Federal Regulation V. As of XX/XX/XXXX ( and going back several years ), Cavalry continues to report an alleged collection account with an open date of XX/XX/XXXX to XXXX and XXXX. Upon written request ( dispute ), Cavalry they could not verify the proper account balance ( different from what appears on credit report ), the date the alleged account was closed, date reported or the charge-off date - to the credit agencies. THIS ACCT WAS RE-AGED by Cavalry despite no legal event that would allow re-aging. Per XXXX data, the account is about to turn 7 years old. As of XXXX, Calvary reports to XXXX that the contact info. for this alleged collection account is in XXXX, NY. However, Calvary reports to XXXX that the contact info for this account is in XXXX, AZ. This is another clear compliance violation. Interestingly, in XX/XX/XXXX, another company " XXXX XXXX '' sent me an invoice out of the blue and - says their client is Calvary SPV I, LLC, owns the account. Payment is demanded. This account over the Statute of Limitations and this entity is located in South Dakota. So, we have NY, AZ & SD offices and two different entities demanding payment on this re-aged alleged debt. Thanks to violative conduct by Calvary and associated entities as well as non-compliance by XXXX XXXX and XXXX XXXX by failing to properly obtain verification, harm has been caused to this consumer.
Company Response: Closed with explanation

Timely Response

2019-04-19

Louisa, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Cavalry and their law firm XXXX XXXX XXXX have been using false representations trying to collect a debt from me without any evidence that the debt is mine and that they own the debt. Among other wrongs, they have used a false credit card agreement to verify the debt and to file the lawsuit. The real credit card agreement for the alleged account, which can be obtained from the supposed original creditor XXXX or from the CFPB database, is markedly different from the credit agreement they have been attempting to collect with. This is in violation of the FDCPA. Again, they filed a lawsuit against me 3 days after the statute of limitations had expired, according to the last payment dates on the credit card statements they provided in debt validation and in court. And in order to trick the court into getting a judgement against me, they submitted a random computer printout where the date of last payment was changed to be the very last day of the statute of limitations so it looks like they filed the lawsuit just in time. They tried to use the court to collect a debt using evidence that had two different dates of last payments with no explanations for the inconsistencies. Again, the amount they claim is owed on the debt and reported to the credit bureaus is different from the amounts on the alleged credit card statements they provided as validation and in court. So yes theyre validating and trying to collect a debt using documents that show two different amounts owed with no explanation. Again, they are attempting to collect a debt using an affidavit which contains a notary signature that appears to be forged. The signature appears as a pixelated image, in stark contrast to the other signatures and marks on rest of the document. This is not an artifact of photocopying, and is consistent with digital forgery. When I pointed out to them that I do not owe the debt and showed up to trial ready to put an end to it, they non-suited without prejudice, so as to avoid getting a judgement against them, so that they can keep tarnishing my credit reports with the hopes that I will one day send them money. Theyve had nothing to say about all these violations and lack of evidence that the debt is mine and have refused to take this off my credit report. Cavalry and their attorneys have committed multiple violations of debt collection and common laws and have refused to stop collection and remove this debt from my credit reports.
Company Response: Closed with explanation

Timely Response

2019-04-17

San Buenaventura, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-04-17

FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX *please send any pleadings or motions to XXXX XXXX XXXX fax COUNTY COURT IN AND FOR XXXX XXXX COUNTY , FLORIDA CASE NO : XXXX CAVALRY SPV I. LLC AS ASSIGNEE OF XXXX PLAINTIFF NOTICE OF HEARING VS. XXXX XXXX XXXX Defendant ( s ) ______________________________/ TO : XXXX. XXXX XXXX XXXX Attorneys for Plaintiff XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( XXXX ) PLEASE BE ADVISED that the above styled Plaintiffs Motion for Summary Judgment before the Honorable XXXX XXXX, Judges of the above styled Court at XXXX County Courthouse, on XX/XX/XXXX at XXXX : XXXX or soon thereafter as counsel can be heard. Defendant 's request a MOTION THIS CASE BE DISMISSED WITH PREJUDICE. PLAINTIFF FAILER TO SEND DEFENDANT DATAIL EVIDENCE REQUESTED XX/XX/XXXX PLEASE SEE ATTACHED A REQUEST MAILED TO PLAINTIFFS ATTORNEY ON MENTION DATE. DEFENDANT WOULD ALSO REQUEST THE COURT FILE FOR A FULL INVESTAGATION ON HOW THE DATE OF THE DEBET THAT TO THE BEST OF MY KNOWLEDDGE DOSE NOT BELONG TO ME. THIS DEBET WAS REMOVED BY XXXX BUT WILL REMOVED AND PUT BACK ON BY THE PLAINTIFF USING A DIFFERENT DATE DEBET WAS OPEN XX/XX/XXXX KEEPING THE STATUTE OF LIMITATION UNDER 5 YEARS. I CALLED THE LAW OFFICE FOR THE PLAINTIF, ON XX/XX/XXXX, I SPOKE TO ONE OF XXXX XXXX, UNIDENTIFIED ASSISTANT, SHE TOLD ME THAT THE DATE DONT MATTER BECAUSE THE JUDGMENT HAS BEEN FILED AGAINST ME AND NOW THEY HAVE 20 YEARS TO COLLECT FROM ME. I MENTION THIS DEBIT AND DATE IS NOT CORRECT I HAVE EQUIFAX DOING A BACK GROWN CHECK OF WHO MADE THE CHANGE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Mr. XXXX, I wanted to inform you that the package with the bank information was received Saturday, XX/XX/XXXX. The copies that were made are very hard to read. I was able to verify the date the bank shows that I stopped paying was not XXXX. As I mentioned to one of your associates that you never sent me any information about the charges on this account. Your associate told me your company had received a judgment against no reason to go to court. For this reason, I will request from the bank why they had reported the wrong date to give them more time on the statue of limitation. I will also file a complaint with the CFPB after I can confirm they have made a mistake reporting the wrong date. I would like a response from you as well to ensure me that also investigated with the bank to make sure they gave you the correct information to the judge. I will wait to hear from you before I send a letter to the courts. Best regards XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Fri, XX/XX/XXXX at XXXXXXXX XXXX Subject : Cavalry Portfolio /XXXX To : XXXX Good morning, XXXX, My name is XXXX XXXX and I obtained a letter from your law firm yesterday. The letter was about a court day for XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-17

Wallington, NJ

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Failure to provide original verification for debt listed on credit bureaus within the time frame provided.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-16

Black Jack, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-16

Hickory Hill, TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-16

Hamburg, NY

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: Original company was with XXXX finance company on or about XX/XX/2015 and now owned by Cavalry port balance of {$9900.00} was changed off. The Debt is to old to Legally collect.
Company Response: Closed with explanation

Timely Response

2019-04-15

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-13

FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I need to have my alleged debt with Cavalry SPV I LLC addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
Company Response: Closed with explanation

Timely Response

2019-04-12

Fayetteville, NC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-04-11

Darnestown, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-10

Los Angeles, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-04-08

Rialto, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-04-08

Rialto, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-04-07

FL

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: Calvary portfolio contacted my roommate who was listed on my account as an emergency contact and provided them with personal information around my accounts and the amounts owed. I have four accounts with them and they have him specifics and all.
Company Response: Closed with explanation

Timely Response

2019-04-06

Manhattan, NY

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-04-05

Simi Valley, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have never done any business with a company called CAVALRY PORTFOLIO SERVICE, yet they misuse my personal information which they fraudulently obtained. I would like to know who this company is and why they have my information, furthermore do I need a contract showing my signature and nature of business with this company as they are committing fraud using my information.
Company Response: Closed with explanation

Timely Response

2019-04-04

Staten Island, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-04-03

Deerfield, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-02

Detroit, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-04-02

Cheverly, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I was noticing a few days before my direct deposit was supposed post I tried to open my account using my phone and on the computer and I couldn't open my account at all. XX/XX/XXXX ( Thursday ) I called the bank to find out why I couldn't open my account that is when I found out that there was a write of garnishment of property on checking account. I called Cavalry Portfolio Services and spoke to a women ( do not recall the name ) who answered the phone and taken my up dated information and I ask her why didn't they go thru HR with DoD which I've been employed for the past XXXX and not XXXX which was a part job which I have not work for in over a XXXX XXXX she said they couldn't locate me and that was very hard to believe. XX/XX/XXXX : I went to the court house in XXXX XXXX County I spoke with an appointed court attorney explain to them ( her ) that I didn't know a third party company could block my bank account from any debits from my bank account until the entire amount is paid, I have no money to pay any of my bills. I was asked to get copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My concern is this form is the exact form submitted on XX/XX/XXXX .... nine years ago and now submitted again without even trying to locate me or thru the HR department at XXXX XXXX XXXX XXXX where I've been the last XXXX know, I believe this was purposely done, not to collect the amount XXXX XXXX purchased it for but the interest for the past nine years included. Know the other problem I have with this Writ of Summons is .... I was living in XXXX Va. at XXXX XXXX XXXX XXXXXXXX XXXX during time they said I was served or summons ( I have attachments of w-2 form ) and I didn't find it in my last year credit report and I request another for this year. I also believe this account is not mines and I say that because XXXX I was living in XXXX Va. I just do not remember this account .... if my name is attached to this account it may be fraudulent someone may have gotten my info ... really don't believe this my account I just do not remember. is why wait so long and why not for thru my job where I've been employed for the past XXXX? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money form my medication just had XXXX XX/XX/XXXX from my XXXX reversal. This type aggression to collect debt that is not initially there is very destructive and emphatically unmoral worse than sharks ... this is " tort ''
Company Response: Closed with explanation

Timely Response