|
11707354
|
2025-01-22
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
4968828
|
2021-12-02
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3465655
|
2019-12-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-12
|
| Complaint What Happened |
I had a debt to calvary portfolio collected through payroll garnishment awarded to them through the XXXX county Alabama circuit Court. This account still shows as open and in collections with a balance of {$290.00} on my credit report. It has been disputed and they say that it is correct but I can not even get in contact with Calvary.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3874671
|
2020-09-30
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
Store credit card
|
| Date Received |
2020-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-30
|
| Complaint What Happened |
A company by the name of Cavalry purchased an account from XXXX XXXX. They sent a past billing statement they stated came from XXXX, but the amount listed as owed was much more then I had ever purchased as I didnt even have a car at that time. The amount listed as owed is listed on the statement as {$410.00}, but they didnt even have any individual purchases listed so that I could see what they were trying to bill me for.
I was sent a card by XXXX over 4 years ago in 2016 and closed this account with XXXX a few months later in the same year. I closed it because I didnt have a car and not much use for it and because of a dispute with XXXX over billing as I had only used the card at one XXXX store buying chips and a soda a couple of times and putting gas in a friends car about 2 times, so the amount owed from my calculations should have been around {$100.00}.
I am asking for your assistance regarding this matter as I feel as if I am trying to be taken advantage of. I do not know if it is being done on purpose or the result of Cavalry not looking into the details of this statement but it is clear the amount on the statement is 3 times as much as I charged on this account and 3 times as much as XXXX told me what was owed when I asked them to close this account over 4 years ago in 2016.
This is especially disturbing to see because of the obvious discrepancies in what was actually charged and what they are stating is owed and the lack of a list of itemized transactions in the billing statement. but it is especially and even more so disturbing because this country is in the midst of a pandemic with deaths totaling over XXXX and the economy and jobs not being this bad since the Great Depression and people suffering from not having jobs and putting food on the table and this company is asking for me to send them 3 times as much as what was charged on this account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3976025
|
2020-11-25
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-09
|
| Complaint What Happened |
I have received two phone calls from Calvary Portfolio Services, on on XX/XX/2020 and the second on XX/XX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for Calvary and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to XXXX and specified amount. I have no mailed notification from this company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3168267
|
2019-03-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-08
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
3162426
|
2019-02-25
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-04
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2780787
|
2018-01-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-13
|
| Complaint What Happened |
This complaint is to remove multiple inquiries that I did not approve or initiate.
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2549154
|
2017-06-08
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-06-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-08
|
| Complaint What Happened |
I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with XXXX XXXX XXXX but they are trying to collect for XXXX XXXX . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10213500
|
2024-09-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-24
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Cavalry Portfolio Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Name of Debtor : XXXX XXXX Dear Cavalry Portfolio Service, I acknowledge receipt of your response to my debt verification request dated. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.
Your response dated did not include any of the aforementioned details.
In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to XXXX XXXX XXXX.
Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report.
I appreciate your prompt cooperation in this matter.
Sincerely, XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2942390
|
2018-06-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2018-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-21
|
| Complaint What Happened |
On XX/XX/2013 I was highly and predatoraly pressured into buying an overpriced used car. After entering into an installment loan in the amount of {$19000.00}, I shortly thereafter found out that the car was on recall and by paying to repair the car I fell behind on payments and could not remain current on the payments ' late fees and interests ultimately resulting in repossession. After the repossion an agreement was made with the original creditor that no further payments would be made and no further billing from the original creditor was done. However, after the sale of the faulty car I was billed for the balance of the sale in the amount of {$10000.00} by a collection agency and they have continued to report to the credit bureaus monthly and in turn this information is being reported to credit reporting companies greatly impacting my credit score and ability to obtain credit. I disputed this adverse account via FCRA but it remains on all 3 major bureau reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2762186
|
2017-12-21
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Told you not to respond to a lawsuit they filed against you
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-21
|
| Complaint What Happened |
Back in XXXX, XXXX a judgement of {$6800.00} was added to my credit report by Cavalry SPV I , LLC. I had no idea that this case was going on. A year later the judgement was deleted from my credit report then in XXXX XXXX decided to start reporting the {$6800.00} and then added {$740.00}. I called the company and they gave me the run around about the account. I 'm in the process of trying to buy a home for my family due to my son needing special rails in the house. I 'm seeking to have this removed off my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10730230
|
2024-11-08
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-08
|
| Complaint What Happened |
I pulled up my credit report in XXXX and noticed that a collection was posted from Cavalry SPV 1LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, Ct XXXX. This collection agency gave me no notification.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1215094
|
2015-01-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-01-28
|
| Consumer Consent Provided |
N/A
|
|
|
10615544
|
2024-10-29
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10505000
|
2024-10-18
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Auto debt
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Complaint What Happened |
This debt is being reported as an open balance and I do not believe the being reported on my account is valid
|
| Consumer Consent Provided |
Consent provided
|
|
|
1222020
|
2015-02-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2015-02-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-03
|
| Consumer Consent Provided |
N/A
|
|
|
875897
|
2014-05-31
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Credit card
|
| Date Received |
2014-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-05-31
|
| Consumer Consent Provided |
N/A
|
|
|
2327092
|
2017-02-03
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2017-02-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
801058
|
2014-04-09
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-09
|
| Consumer Consent Provided |
N/A
|
|
|
10045983
|
2024-09-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7905161
|
2023-11-26
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4502759
|
2021-06-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9914133
|
2024-08-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-26
|
| Complaint What Happened |
Cavalry Portfolio Service XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Dear Cavalry Portfolio Service, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.
4. Proof that the original creditor securitized the debt.
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.
Please cease and desist from collecting on this debt until you have provided validation of the debt.
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Thank you for your prompt attention to this matter.
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| Consumer Consent Provided |
Consent provided
|
|
|
10571762
|
2024-10-25
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-25
|
| Complaint What Happened |
To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided.
None of the above were provided to me.
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
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| Consumer Consent Provided |
Consent provided
|
|
|
1685977
|
2015-12-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8602328
|
2024-03-22
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3528250
|
2020-02-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1639362
|
2015-11-04
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2015-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-11-04
|
| Complaint What Happened |
XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX, hired by Cavalry SPV I , LLC as assignee of XXXX, filed a civil motion on XX/XX/XXXX on time barred debt. The last payment that was later returned was on XXXX XXXX, 2012, so it fell into default XX/XX/XXXX. In the state of Alabama credit cards have a 3 year statute of limitations on them. As of XX/XX/XXXX this account was past the 3 years. Nine months later XXXX XXXX XXXX filed a summary judgment with XXXX County Courts, Al. Regarding the FDCPA it is against the law for a collection company to sue on time barred debt.
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| Consumer Consent Provided |
Consent provided
|
|
|
2840626
|
2018-03-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-03-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-12
|
| Complaint What Happened |
I have a debt collector on my credit report representing XXXX XXXX. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3574572
|
2020-03-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
CAVALRY INVESTMENTS, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-20
|
| Consumer Consent Provided |
Consent not provided
|
|
