CAVALRY INVESTMENTS, LLC

2019-04-02

Bedford, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: Received a cancellation of debt form from Cavalry SPV I LLC. The address listed is an Arizona address ; I have never established residency in that state. Also the name has been transposed on the account with the last name first, which was my maiden name that I have not used in over 7 years.
Company Response: Closed with explanation

Timely Response

2019-03-26

Lawrenceville, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-03-26

Philadelphia, PA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from XXXX is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.
Company Response: Closed with explanation

Timely Response

2019-03-23

Cheverly, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX : I notice my online bank account/ was not functional for me to view my direct deposit so I called the bank and that is when I found out that there was a write of garnishment of property on my account. I called XXXX XXXX XXXX and spoke to a women who answered the phone and took my up to date information and I ask her why didn't they go thru my job with XXXX which I've been employed with for the past 29yrs she said they couldn't locate me and I said to her well you found me at XXXX XXXX XXXX XXXX and I haven't work their in over a year and that was a part time job for garnishment. XX/XX/XXXX : I went to the court house in XXXX XXXX County House I was appointed to court attorney explain to them ( her ) that I didn't know a third party could block me from debit money from account to pay my bills or just debit any money out ... .but when the attorney ask me to get a 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 ... I was living in XXXX Va. XXXX XXXX XXXX XXXX from and now they want to try and collect the initial amount and 9yrs of interest I didn't find it in my last year credit report I requested another I really don't believe this my account I just do not remember it if this is why wait so long and why not for thru my job where I've been employed for the past 29yrs? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money had to change bank accounts for this past direct deposit. I'm not for sure how much there buyers bills is there was no negotiation what so ever I'm XXXX.
Company Response: Closed with explanation

Timely Response

2019-03-22

Bremen, GA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: I have written multiple letters to this company asking for the account and the information on the account be validated. It is illegal for this company to continue to report information that can not be validated.
Company Response: Closed with explanation

Timely Response

2019-03-19

Lubbock, TX

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: Company is using a " spoofer '' to simulate calls from my area code. I get continuous calls at home and AT WORK from local, fake numbers.
Company Response: Closed with explanation

Timely Response

2019-03-19

Asheville, NC

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I am filing this complaint against CALVARY SPV I, LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX, Calvary Portfolio Services , LLC, and XXXX, XXXX Background : I opened a XXXX credit card account on XX/XX/XXXX. Due to unplanned circumstances, I was unable to make the minimum payment. I tried unsuccessfully to work with XXXX. My last payment towards the outstanding balance was in XX/XX/XXXX. The account was charged off in XX/XX/XXXX, and sold to a collection company. I tried to work out a payment plan with the collection company. They wanted two lump sum payments that I could not manage. XX/XX/XXXX was the last I heard from anyone regarding the account until I was served a COMPLAINT FOR DAMAGES lawsuit, on XX/XX/XXXX, from an attorney representing CALVARY SPV I, LLC. There are two parts to my complaint. First Part : CALVARY SPV I, LLC failed to provide me with a Written Notice of Assignment of Debt. As a result, I was not aware of my right to validate and/or dispute the debt. CALVARY SPV I, LLC, is a DEBT COLLECTOR as defined by the Fair Debt Collection Practices Act ( FDCPA ) and as such, are required to comply with the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g. Validation of debts III. LII U.S. Code Title 15. COMMERCE AND TRADE Chapter 41. CONSUMER CREDIT PROTECTION Subchapter V. DEBT COLLECTION PRACTICES Section 1692g. Validation of debts ( a ) Notice of debt ; contents : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debtcollector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Second Part : According to the Florida Office of Financial Regulation, neither CALVARY SPV I, LLC, nor its affiliate, Calvary Portfolio Services , LLC, is a licensed Debt Collector in the state of Florida. Calvary Portfolio Services, LLC provided the Court NO EVIDENCE that Plaintiff complied with the FLORIDA CONSUMER COLLECTION PRACTICES ACT, ( FCCPA ), with regards to the sections listed below. a.559.553Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. b.559.715Assignment of consumer debts. This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. ( History. s. 1, Ch. 89-69 ; ss. 6, 13, Ch. 93-275 ; s. 3, Ch. 2010-127. )
Company Response: Closed with non-monetary relief

Timely Response

2019-03-19

Titusville, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: CAVALRY PORTFOLIO SERVICES is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with CAVALRY PORTFOLIO SERVICES. I have never received any correspondence from CAVALRY PORTFOLIO SERVICES stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with CAVALRY PORTFOLIO SERVICES for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that CAVALRY PORTFOLIO SERVICES owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead CAVALRY PORTFOLIO SERVICES has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. CAVALRY PORTFOLIO SERVICES refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. CAVALRY PORTFOLIO SERVICES is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure CAVALRY PORTFOLIO SERVICES understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. CAVALRY PORTFOLIO SERVICES even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in CAVALRY PORTFOLIO SERVICES ' and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-16

League City, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-14

Virginia Bch, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-14

Bueche, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: cavalry spv1.llc XXXX XXXX XXXX n.y. XXXX has place a collection account on my bureaus on XX/XX/2019 in the amount ofXXXX. they say the orig creditor is XXXX XXXX I have never entered into a contract with XXXX nor cavalry ending in XXXX I have requested three time a signed contract from cavalry and have not received it
Company Response: Closed with explanation

Timely Response

2019-03-13

Staten Island, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I called the XXXX XXXX XXXX XXXX XXXX, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX, my original debt was for XXXX, and I offered XXXX, he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on Monday XX/XX/XXXX. Also during the conversation XXXX added on an extra cost of XXXX, saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as XXXX did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.
Company Response: Closed with explanation

Timely Response

2019-03-13

Boston, MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Cavalry Portfolio Services LLC are attempting to sue me over an alleged XXXX credit card debt from XX/XX/XXXX-XX/XX/XXXX without the required documentation outlined in a 2016 CFPB Consent Order relating to XXXX accounts from this time period ( XX/XX/XXXX-XX/XX/XXXX ). I have been to court on seven separate occasions asking for this documentation ( effective agreement, minimum of 12 months statements ) only to be asked each time how I plan on paying, as though I had never spoken to them before. Details of a similar case and past CFPB complaint made public online by the defendant indicate Cavalry Portfolio Services and their same local representative law office of XXXX XXXX XXXX are aware of this Consent Order.
Company Response: Closed with explanation

Timely Response

2019-03-11

Benson, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-03-08

Lewisville, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Company Response: Closed with explanation

Timely Response

2019-03-07

Urbandale, IA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Recieved a notice from all 3 credit reporting agencies about a debt from Cavalry Portfolio Servic. Cavalry Portfolio Servic did not send any notice to me. They open a collection account on all three credit agenices. I tried to dispute the debt through the credit agenices as this company never provide any information to me nor gave me a 30 days to dispute the debt.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-06

Salem, MA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-03-05

CT

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and XXXX refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore XXXX sold my information to Calvary SPV l.LLC who in turn hired attorneys to take me to court XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also XXXX refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this XXXX DEBT was from XXXX until it was sold to SPV l.LLC who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to XXXX with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency SPV l.LLC and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the PREFERRED DIAMOND CARD by XXXX be investigated along with SPV l.LLC and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.
Company Response: Closed with explanation

Timely Response

2019-03-04

AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: There is a dent on my credit reports for Calvary portfolio that I do not owe, I have disputed numerous times and contacted them numerous times for them to provide proof that this is my debt, however I have yet to receive any documents or a resolution. they continue to increase the balance owed every month on my report and no one will tell me anything about this debt
Company Response: Closed with non-monetary relief

Timely Response

2019-03-04

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/2019 I mailed out a letter requesting verification and they had 30 days to submit verification.
Company Response: Closed with explanation

Timely Response

2019-03-03

Crystal, MN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Cavalry Portfolio Service They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Company Response: Closed with explanation

Timely Response

2019-03-03

Crystal, MN

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you in a state where you do not live or did not sign for the debt
Complaint: This Cavalry collections company forced my XXXX roommate to sign for some document by way of a sheriff. Not only do I not recognize the company and affirm Ive never had business with them, the deceptive practice of having someone sneak into a secured property and forcing someone with police XXXX to sign unknowingly and unwittingly for legal documents that arent his and shouldnt be delivered to our residence anyway.
Company Response: Closed with explanation

Timely Response

2019-02-25

NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Company Response: Closed with explanation

Timely Response

2019-02-25

AL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: My company closed and I was laid off work 2 yrs ago. I paid my debts as long as I could until money ran out. I was not able to pay my XXXX card last year. Calvary Portfolio assumed the debt. In XX/XX/XXXX, I started working again. I called Calvary Portfolio to see about paying my debt. By the time they sent me settlement letter in XXXX, the debt was moved to XXXX XXXX XXXX, XXXX. I contact them for a settlement letter. I finally receive one after calling several times. I try setting up payment arrangements online in XXXX. After going back and forth with them for a month, they finally tell me the problem is, they no longer have my debt, nor account. I need to contact Calvary. After repeated emails and phone calls, Calvary just won't respond. I finally hear from Calvary in XX/XX/XXXX after having to open A XXXX complaint. They tell me my debt is now with XXXX XXXX XXXX lawfirm. I repeatedly call and email them with no repose. I open a XXXX complaint with Calvary in XX/XX/XXXX. They tell me they authorize this law firm to work with me on their behalf. I get in touch with XXXX XXXX at XXXX XXXX XXXX. We agree to settle on {$140.00} per month, for 12 months. She said she was mailing something in the mail this week. To date, I have not received anything from her. I have numerous phone messages over the past 2 weeks since I only get voicemail. They say they will return a call within 1 business day, but they never do. I open another XXXX case against Calvary but I'm told it does not meet their criteria. Calling Calvary does nothing. I can't get through to anyone. What do I do? Not to mention, if you XXXX XXXX XXXX XXXX lawfirm, a lot of people are saying it's a scam and ripoff company, so I'm even more fearful of sending them any money.
Company Response: Closed with explanation

Timely Response

2019-02-23

Mc Donough, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response