Cavalry Portfolio Services

Review: Calvary Portfolio Services failed to provide lawful validation that I owe a debt to in violation of FACTA, FCRA, and Texas law. Calvary Portfolio Services has place on my credit report negative and illegal information. Although I disputed the validity of this debt with Calvary Portfolio Services via several certificate of mailing letters to them requesting contractual instruments (as is my right by law) to be sent to me that this is my debt, if not provided within the allotted time as prescribed by law; then they were to delete the tradeline from my credit report, and cease collection activity with me. Multiple times I had requested at a minimum the following: 1. Complete payment history, the requirement of which has been established via [redacted] and 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. (Agreement with your client that grants you the authority to collect on this alleged debt.) 4. Intimate knowledge of the creation of the debt by you, the collection agency. I never received proper, legal validation. I did receive on April **, 2013, a form letter with an electronic signature. The time period to provide a validation by Calvary Portfolio Services has gone more than a year, and I am demanding deletion of this account from my credit reports. They are violating the law in placing this invalidated, illegal collection on my credit report causing me hardship, stress, and lost opportunities to obtain credit at reasonable rates. Calvary Portfolio Services has continued collection activity with me and reporting is currently reporting this illegal debt to the credit bureaus in violation of the Fair Credit Reporting Act (FACTA), Fair Debt Collection Practices Act, and the Texas Finance Code section [redacted].Desired Settlement: I am seeking to have this account # [redacted] removed from my credit reports in it's entirety and for this company to cease collection attempts with me.

Business

Response:

Dear Mid-Hudson Dispute Services:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to the

above-referenced complaint.

This account was purchased from HSBC Bank Nevada, N.A. ("HSBC") on February **, 2011 by a Cavalry affiliate.

At that time HSBC represented that Yolanda D [redacted] owed $880.05, exclusive of any interest, for an unpaid consumer

debt. This account was opened on July **, 2005 and was charged off on May **, 2009.

On May **, 2012 Cavalty received a letter from [redacted] requesting validation of this account. On that same date Cavalry

mailed [redacted] validation. On April **, 2013 Cavahy received another letter requesting validation. On April **, 2013 Cavalry

again mailed [redacted] validation. Enclosed please find a copy of this validation, as well as statements from the original

creditor.

Cavalty believes this debt to be valid and owing. However, in the spirit of good customer service,

Cavalry has closed this account, ceasing all collection efforts with respect to this debt.

If your office has any further questions, please contact me at the number listed above.

Review: [redacted] Portfolio purchased an account from [redacted]/Orchard [redacted]. Twice in May 2012 and one time in November 2012, I sent certified letters to [redacted] and [redacted] requesting for proof/validity of debt(copies of statements from [redacted]/Orchard [redacted]) because I was disputing the amount. They have not provided me with this information. The only information they provided on a single page was original institution, account number, date account open and charged off, and account balance. They also reported this to the credit bureaus. Experian and Equifax have the account closed but TransUnion has the account open. This is a violation of the Fair Debt and Credit Act because a collection agency is required to submitted proof/validity of debt but if they cannot provided this information, they are supposed to stop collections and remove or should not report the debt to credit bureaus.Desired Settlement: I am requesting that they provide me proof/validity of debt(detailed statements reflecting how the account balance of $766.22) incurred) or immediate removal from credit bureaus if information cannot be provided.

Business

Response:

Re: Cavalryy Portfolio

Services, LLC Complainant: [redacted] ID#: [redacted] Portfolio Services, LLC Account No.: [redacted] Dear Mid-Hudson Dispute Services:

Thank you for giving [redacted] Portfolio Services, LLC ("[redacted]") the opportunity to respond to the above-

referenced complaint.

This account was purchased from [redacted] Nevada, N.A. ("[redacted]") on November **, 2010 by a [redacted] affiliate. At that time

[redacted] represented that [redacted] owed $675.31, exclusive of any interest, for an unpaid consumer

debt. This account was opened on June **, 2007 and was charged off on October **, 2010.

On May **, 2012 [redacted] received a letter from [redacted] requesting validation of this debt. On that same date, [redacted]

mailed [redacted] validation that is sufficient under federal statute. Enclosed please find a copy of this validation.

On May **, 2012 [redacted] received another letter from [redacted] stating the validation provided was insufficient. At that time

[redacted] requested additional documentation from the original creditor to provide to [redacted].

Enclosed please find a credit card statement for this account.

In the spirit of good customer service Cavahy has closed this account, ceasing all collection efforts with respect to this debt and

notifying the three major credit reporting agencies to which it reports of the same.

If your office has any further questions, please contact me at the number listed above.

Consumer

Response:

[redacted]:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The problems I still have is that page 6 & 7 was never given to me and this should of never been reported on my credit because they did not provide me with the validity of the debt ( how the 675.31 accumulated) that was requested on numerous occasions.

Sincerely,

Review: Calvary has failed to validate debt as requested and refused to remove item from credit report. I sent two certified letters, on on ** May 2013 and again on ** Nov 2013 requesting validation. They have failed to show that they are authorized to collect this debt, failed to show how they calculated a debt that is more that twice as much as I have ever owed the original creditor. They are unable to prove that this debt has not passed the statue of limitations. Lastly, Calvary Portfolio Services never contacted me prior to placing this entry on my credit report.Desired Settlement: Due to the length of time that this account has been in disputed and the reluctance of Calvary Portfolio Services to provide the proper validation, I request that this account be removed from my credit report until the company can provide complete and accurate debt validation

Consumer

Response:

At this time, my complaint, ID [redacted] regarding Cavalry Portfolio Services, LLC has been resolved. The item has been removed from my credit report.

(By clicking "OK", your complaint will be closed as Resolved.)

Sincerely,

Review: I have 2 accounts with this business, According to my online account on their webpage, the balance of these accounts is 0.00. I have talked several times with a representative, she asked for copies of this webpage mailed to her, I mailed copies to the [redacted] office and the [redacted] office. These copies clearly say settlement balance is 0.00. I logged in monthly, every payment I made dropped the amount owed by my monthly payment, Cavalry tells me this is not correct, according to my payment schedule, these are paid. My representative told me she would mail me paperwork showing all payments, I failed to receive these, I received a bill instead. I also had an attorney log into my online account, and he also said these show a 0.00 balance. They continue to call me wanting payments, I keep telling them they show paid. They tell me they can't access this webpage, but they could see where I changed my address.Desired Settlement: I am expecting these accounts to be closed and removed from my credit report

Business

Response:

The business has responded. Please read below:

Re: [redacted]

Dear Sir or Madam:

Thank you for giving Cavalry Portfolio Services, LLC (“Cavalry”) the opportunity to respond to this complaint.

In the complaint, [redacted] alleges that her balance has been paid in full despite continued collection attempts.

Cavalry investigated the allegations and responds as follows:

[redacted] has two accounts with Cavalry. In September 2013, Cavalry and [redacted] agreed to settle both of her accounts for payments of $50.00 on each account until both accounts were paid in full. Below is an explanation of the current information for each account.

1. Account # [redacted]

Balance at time of settlement agreement: 842.34

Settlement Agreement: 50.00 per month until account is paid off

Amount Paid thus far: 492.32

Current Outstanding Balance: 350.02

2. Account # [redacted]

Balance at time of settlement agreement: 664.74

Settlement Agreement: 50.00 per month until account is paid off

Amount Paid thus far: 364.72

Current Outstanding Balance: 300.02

[redacted] set up and authorized recurring payments known as “check by phone payments” of $50.00 each month through October 2014 for the account ending in [redacted] and through January 2015 for the account ending in [redacted].

[redacted] logged into Cavalry’s website where customers can make payments, view balances, etc. and retrieved screen shots of her current information. The statements [redacted] is referring to show the amount paid thus far and the current balance as it is set forth above. The zero balance [redacted] is referring to relates to whether any additional amounts were outstanding at that time. Because [redacted] was current on her payments, that amount was zero.

In the spirit of good customer service, Cavalry will forgive the remaining amount due on each account and accept both as settled in full.

If your office has any further questions, please do not hesitate to contact Cavalry.

Kind regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. I would like my credit report to reflect

this also.

Sincerely,

Review: Calvary portfolio is continually reporting inaccurate information on our credit reports. We have disputed this account repeatedly with the credit reporting agencies and the account is always verified. We have requested debt validation and have not received any response. According to Texas Finance Code 392, Calvary has 30 days to respond to our request for validation or the account must be deleted from our reports. If they need additional time for processing of the request we must be notified by the company. Calvary is reporting on my credit report as included in Ch. 13 bankruptcy. This claim was disallowed and expunged from my bankruptcy as they could not validate their claim. Since they were disallowed and expunged they cannot report as included in my bankruptcy. On my husbands credit report they are notating the account as included in ch 13 bankruptcy. My husband is not a party in my bankruptcy. This notation caused him to be denied credit due to the term Bankruptcy being noted on his credit files. Since Calvary has not followed state and federal credit reporting laws, these accounts should be deleted from all 3 of our credit reporting agencies. If they refuse to delete, then I am again asking for validation and the following documents: 1. Original contract with the original creditor 2. Name of bonding company in Texas where they are currently insured 3. Proof that they are the owners of this debt and can collect 4. Date of their purchase from the original creditor 5. Date account was opened with the original creditor 6. Date of last activity with original creditor and with Calvary 7. Explanation of how interest and penalties are being charged and documentation that they are able to collect these charges per contractual agreement with the original creditor If Calvary refuses to delete these accounts, they must delete them during the verification period of 30 days. If accounts are deleted, I am requesting a written letter on their letterhead showing the deletion for my recordsDesired Settlement: Deletion from all 3 credit reporting agencies for myself and my husband as well as a letter sent to American Express for my husband who was denied credit due to Calvary's incorrect reporting.

Consumer

Response:

Review: On Friday evening September *, 2013, I noticed an unauthorized bank draft for $2878.75 paid to Calvary Portfolio Services. I immediately called Calvary Portfolio Services at 5:03pm EST. I was transferred to 3 people after one call being disconnected. I finally ended up speaking to a manager named [redacted], telephone number ###-###-####.

Calvary Portfolio Services is a collection agency. The only authorized bank draft I agreed to was $50 a month on the last business day of the month, an agreement amount that was established in 2011.

After speaking to my account manager, [redacted] the evening of Friday September *, 2013, we could not reach an agreement and was eventually transferred to manager [redacted], whom I have mentioned above.

Not at any point did I authorize a settlement pay-off in the amount of $2878.75. In May or June of 2013 I spoke to [redacted] and asked to be called back in August 2013 to discuss settlement terms if I was in the position to be able pay this account down.

I never received a call from [redacted] in August 2013. I was also told by [redacted] and [redacted] on September *, 2013 that a letter was mailed to me stating that the settlement amount mentioned above would be drafted from my bank account. I did not receive this letter. I confirmed my address, [redacted]. They stated that that was the address that had for me. And in fact, they would not answer my questions without me confirming this address when I initially began my inquiry.

On Saturday September *, 2013, I received a letter in the mail from Calvary Portfolio Services addressed to [redacted]. I HAVE NOT lived at this address since Friday June *, 2013. My current address was since updated with Calvary Portfolio Services since then.

As you can see, they failed to properly warn me of this unauthorized bank draft.

Unfortunately, my issue was not resolved Friday evening September *, 2013 as [redacted] and [redacted] stated they could not resolve my issue until Monday morning and that they would have to listen to the tapes of our prior recorded phone calls to confirm if I authorized the bank draft or not. I made it clear to them that this was not acceptable and that they wiped out my checking account and I have an 18-month old son at home. The conversation ended by [redacted] purposely hanging up on me.

Essentially they communicated to a wrong address knowingly, withdrew a large unauthorized amount of money from my checking account after payday on a Friday afternoon with no prior contractual agreement and with no way to resolve the issue over the weekend leaving me without any money to care for my family.

Thank you,

[redacted]Desired Settlement: My hope is that the Revdex.com can help me file this complaint so that I not only receive my money back but that this does not happen to anyone in the future. The manager did not offer any resolution for their grievous error and I think that deserves investigation. I would like to resume payments that we agreed to since I have not been late with any payments and have budgeted only for that amount each month. If the Revdex.com can not help me, I have been advised to obtain legal counsel by my family against Calvary. Thank you for you help.

Business

Response:

Dear Mid-Hudson Dispute Services:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to the above-referenced complaint.

In her complaint, [redacted] alleges that Cavalry was unauthorized to draft a payment for $2,878.75 from [redacted]. Cavalry investigated this claim and determined that [redacted] agreed to the payment on April **, 2013. However, in the spirit of good customer service, Cavalry has refunded [redacted] for $2,878,75 and will honor the remainder of her previously agreed payment plan.

By way of background, on May **, 2011, [redacted] agreed to pay $50.00 per month for a total of $6,968.80. On May *, 2013, [redacted] spoke with Cavalry and agreed to a final payment of $2,878.75 to be made on August **, 2013, in an effort to expedite

the settlement of the account. On August **, 2013, Cavalry mailed [redacted] a letter reminding her of her agreed payment. Enclosed please find a copy of this letter.

On September *, 2013, [redacted] called Cavalry and stated she had not intended to agree to this final payment. Cavalry reviewed call recordings and determined that [redacted] agreed to the payment. However, in the spirit of good customer service,

Cavalry mailed [redacted] a refund check for $2,878.75 on September **, 2013, and accepts the previously established patient arrangement. [redacted] should be advised to contact Cavalry's Customer Relations Department directly at ###-###-#### to discuss

this arrangement.

If your office has any further questions, please contact me at the number listed above.

Review: After pulling my credit report, I noticed an account for this company. I was not familiar with this account so I sent a request for validation of the debt pursuant to the regulations within the Fair Debt Collection Practices Act. Under this act, upon request, the collection company must provide evidence that the debt is indeed mine and provide an accounting for the amount they are attempting to collect. After repeated attempts to contact Cavalry, I have not received any response. Under the law, if the collection company does not provide the evidence, they must cease collection activity, including reporting to credit bureaus. I have received proof of receipt of my requests sent on 2/**/13 and again on 4/**/13 through the [redacted]. However; I continue to wait for a response from this junk debt buyer. Please assist with collection of the required evidence that the debt that they are trying to collect is indeed mine and the accounting for that debt, if so. I appreciate your assistance as I would like to avoid the next step of filing a law suit. Thank you.Desired Settlement: One of two results are acceptable: 1. Company provides evidence that the debt is indeed mine such as a copy of a statement with the original creditor and includes an accounting of the total dollar amount they are attempting to collect. 2. Company takes action to remove the debt from all three credit bureaus and ceases collection activity. Company must not re-list the debt with the bureaus at a future time and must not transfer the debt to another company.

Business

Response:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the oppo1iunity to respond to the

above-referenced complaint.

This account was purchased from FIA Card Services, N.A. ("FIA") on April *, 2009 by a Cavalry affiliate.

At that time FIA represented that [redacted] owed $1,888.*1, exclusive of any interest, for an unpaid

Bank of America consumer debt. This account was opened on August **, 2000 and was charged off on

May **, 200*.

On April **, 2009 Cavalry received a letter from [redacted] requesting validation of this debt. On June **, 2009

Cavalry mailed [redacted] the validation. Enclosed please find a statement from the original creditor.

On February **, 2013 Cavalry received a letter from [redacted], again requesting validation. Please note this letter

also requested a cease and desist, preventing Cavalry from sending correspondence, including validation, to [redacted].

On April **, 2013 Cavalry received another letter from [redacted] requesting validation. Please note that the cease and

desist request was still active on this account, thereby preventing Cavalry from sending correspondence, including validation.

[redacted] should be advised to contact Cavalry's Compliance Department at ###-###-#### to further discuss

this account.

If your office has any further questions, please contact me at the number listed above.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The company has made blatantly false statements in their response. Their excuse for not responding to my request for validation of the debt is that there was a "cease and desist" in place at the time. My letter requested to cease and desist phone calls only. Please see below the verbiage included in my debt validation request letter:

"Please also accept this as a formal request that you cease and desist any attempt to collect this debt or communicate with me or anyone else for the purposes of collecting this debt by phone. You may only communicate with me by mailing to the address in the heading of this letter."

As you can see, I specifically give the company permission to mail to my address so their response is disingenuous at best. There was nothing stopping the company from responding to my request pursuant to the Fair Debt Collection Practices Act (FDCPA).

The company also advises that they are collecting a debt of $1,888.*1. They are either attempting to collect the incorrect debt or are grossly misrepresenting to their benefit the debt on multiple credit reports at the amount of $4,465. They may be reporting a false amount to the credit bureaus in hope that I will pay without investigating since they did not include any accounting of the amount they are collecting as requested.

Obviously, I would not like to close out this complaint as the original request has not been satisfied. If the company can provide evidence that the debt is mine and an accounting of the amount, I will close the complaint as satisfied. If not, the company should remove permanently any record of the debt from all three credit bureaus.

Thank you for the opportunity to make this complaint.

Sincerely,

Business

Response:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to the

above-referenced complaint.

In Cavalry's previous response, sent on July **, 2013, Cavalry included credit card statements issued by the original

creditor regarding [redacted]'s Account. Enclosed, Please find copies of these statement.

Cavalry believes this debt to be valid and owing. However, in the spirit of good customer service, Cavalry has enclosed this

account and ceased all collection efforts with respect to this debt.

If your office has any further questions, please contact me at number listed above.

Review: I have written letter after letter to Calvary asking for a complete validation of the debt they are collecting on and have asked for proof as to why I owe them anything, original documentation of the so called agreement, information on how this debt became associated with my name and how they can legally collect on this. The response I get is a "Fraud Investigation" form which is not proof of this debt. Since I have no knowledge of this, I asked again for the proof on their end of this debt, what agreement I have with them to pay them and why they are collecting on my name, and I have received no proof. The continue to collect on this, and have posted this record on all my credit reports WITHOUT properly validating this debt now for almost a year!Desired Settlement: I want this company to correct my credit reports, along with sending me a letter saying they are ceasing all collection activity if they cannot provide me with the proof I am asking for, as per the law and my rights. Asking "ME" to file a fraud file is not proof and they know this.

Business

Response:

Dear Mid-Hudson Dispute Services:

Thank you for giving Cavalty Portfolio Services, LLC ("Cavalry") the opportunity to respond to the above-referenced complaint.

In his complaint. Mr. [redacted] claims that Cavalrv did not provide validation upon his request. Cavalry investigated this claim and determined that Cavalry provided validation, including a credit card statement from the original creditor, to Mr. [redacted] on August *, 2013.

In the spirit of good customer service, Cavalry closed this account and ceased all collection efforts with respect to the account.

If vour office has any further questions. please contact me at the number listed above.

Very Truly Yours.

Business

Response:

Thank You for giving Cavalry Portfolio Services, LLC (Cavalry) the opportunity to respond to the above- referenced complaint.

In his complaint Mr. [redacted] claims that Cavalry did not provide him with validation upon his request. Cavalry investigated this claim and determined that cavalry provided validation, including a credit card statement from the original creditor, to Mr. [redacted] on August *, 2013.

In the Spirit of good customer service, Cavalry closed this account and ceased all collection efforts with respects to the account.

If your office has any further questions, Please contact me at the number listed above.

very truly yours.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Cavalry Portfolio Services LLC, violated the FCRA by refusing to properly validate and investigate a collection being reported on my credit report. Upon reviewing my credit report, I noticed a collection being reported by Cavalry Portfolio. The account number is # [redacted]. After repeated attempts to receive validation, I finally received a vague validation for the account being reported. I disputed the inaccurate information with the 3 major credit bureaus and Cavalry verified the information with all three Credit Bureaus. In a further attempt to correct this inaccurate reporting of information; I sent a request to Cavalry to investigate this negative account on my credit report, sent and received on 9/**/2013 certified mail [redacted] under section [redacted] of the FCRA. Cavalry Portfolio Services violated the law by refusing to properly investigate my dispute within 30 days as outlined by the FCRA under section [redacted]. After receiving a vague response (an incomplete receipt lacking the requested information) to my FCRA [redacted] dispute: I sent another letter sent and received on 11/*/2013 certified mail # [redacted] requesting removal of the improperly investigated account from my credit report. Cavalry obviously has no record of the information regarding the account they are reporting, or chooses to disregard the laws set forth by the FCRA. After receiving the same incomplete receipt as a response to my second letter, I sent a third letter, sent and received on 11/**/2013 certified mail # [redacted]7 requesting deletion of the negative account. Cavalry once again violated the law by continuing to report the negative information to all 3 Credit Bureaus and sent the same generic response. As of this date Cavalry Portfolio Services, LLC continues to ignore my requests to investigate as set forth by the FCRA section [redacted](a)(8) and continues to report negative information for the account on all 3 credit reports.Desired Settlement: Cavalry Portfolio Services, LLC should immediately delete account # [redacted] from all credit reports as required by the FCRA.

Business

Response:

Dear Sir or Madam:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to this complaint.

In the complaint, [redacted] alleges that he contacted Cavalry several times in order to receive validation but that Cavalry has not provided validation. [redacted] further alleges that Cavalry has improperly reported [redacted]'s account to the credit reporting agencies.

Cavalry investigated the complaint and responds as follows:

[redacted] no longer owes a debt to Cavalry. On or about November 2012, Cavalry accepted

a final payment for [redacted]'s account. Subsequently, Cavalry began to report [redacted]'s account as settled in full.

Cavalry reported the account as settled in full because Cavalry closed [redacted]'s account after receiving

partial payment on [redacted]'s total outstanding balance.

On several occasions, Cavalry mailed [redacted] hard copy letters explaining that [redacted]'s account had been settled in full and had no outstanding balance. Cavalry mailed letters

to this effect on or about the following days: March **, 2013; August *, 2013; September **, 2013; and

December *, 2013.

Furthermore, on or about March **, 2013 Cavalry emailed [redacted] a letter explaining that Mr.

[redacted]'s account had been settled in full and had no outstanding balance.

Because [redacted]'s account has been settled and [redacted] does not owe Cavalry a debt, Cavalry cannot send [redacted] a debt validation letter.

In an effort to resolve the complaint, Cavalry directed the credit reporting agencies to delete Cavalry's tradeline from [redacted]'s credit report. Cavalry expects, but cannot guarantee, that the credit reporting agencies report accurately.

If your office has any further questions, please do not hesitate to contact me. Kind regards,

Review: I have been sent a letter from a lawyer representing Calvary Portfolio that the Circuit Court of MI has a request on their behalf for garnishment of my tax refund when I do not owe any company any payments. All my bills are paid on time. I have never been delinquent on any bills. They have made threatening phone calls saying that I am responsible for my 34 year old son's debt which occurred 10 years ago. I did not co-sign for any debt that my son has incurred EVER, not even 10 years ago. They also have other names listed of defendants who do not live in my home for this same judgment.Desired Settlement: I want a letter from them verifying all information and proof that no court action will be taken.

Business

Response:

Dear Sir or Madam:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to this complaint.

In the complaint, [redacted] alleges that Cavalry attempted to garnish her income tax refund regarding a debt [redacted]'s son owes and made threatening phone calls.

Cavalry investigated the matter and responds as follows:

Cavalry has an obligation to protect the privacy of its customers. To this end, Cavalry may not communicate with parents about their adult-age children's alleged debts.

Cavalry investigated its records of calls with Cavalry and Cavalry's external business partners. Cavalry finds no record that any threatening calls were made to [redacted] or her son.

If your office has any further questions, please do not hesitate to contact me. Kind regards,

Review: I filed chapter 7 bankruptcy with all debts listed. The discharge date is August **, 2011 and no bills at all have accrued since. This company, after the bankruptcy was discharged, has put a collection notice on my credit report. I just checked the report to see how things were listed 2 years after the bankruptcy and they are there, and still checking the credit report from the dates listed.Desired Settlement: I want them removed from my credit report. There is no way to report this to the agency and since Calvary is working for HSBC (who is non responsive to their customers), someone has to step in to make them comply with the laws.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – complaint number [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided verbally to the customer on 06/**/2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at [redacted], ext. [redacted].

Sincerely,

Consumer

Response:

[redacted]:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

They have not contacted me, and they filed a collection against me from a creditor after the bankruptcy discharge.

Sincerely,

Business

Response:

Dear Mid-Hudson Dispute Services:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to the

above-referenced complaint.

This account was purchased from HSBC Bank Nevada, N.A. ("HSBC") on August **, 2011 by a Cavalry affiliate.

At that time HSBC represented that [redacted] owed $543.86, exclusive of any interest, for an unpaid consumer debt.

This account was opened on October **, 2009 and was charged off on July **, 2011.

Cavalry accepts the representations made by [redacted] and has closed this account, ceasing

all collection efforts with respect to this debt and notifying the three major credit reporting

agencies to which it reports of the same.

If your office has any further questions please contact me at the number listed above.

Review: I have sent letters and made phone calls to get an explanation go the 553.00 that has showed up on my credit report. I am always sent to a voice mail in which I never received a call. I have sent letters asking for an explanation and still have not received a reply.Desired Settlement: I would like to have this removed from my credit report please.

Business

Response:

Dear Sir or Madam:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to this complaint.

In the complaint, [redacted] alleges that he sent letters and made telephone calls to Cavalry in order to receive an explanation

of his debt but that be bas not received a reply from Cavalry.

Cavalry investigated the matter and responds as follows:

On or about February 2011, [redacted] opened an account with [redacted] Nevada, N.A. with number ending [redacted]. On or about January 2012, the account was charged off. On or about February 2012, a Cavalry affiliate acquired the account. The account balance is $553.42 of which $519.64 is principal and $33.78 is interest.

On or about June 2013, Cavalry sent [redacted] the notice required under 15 U.S.C. 1692 (g) informing [redacted] of his right

to request debt validation in writing and within 30 days of his receipt of the letter. Cavalry received no response to the letter.

Cavalry has no record of receiving any communication from [redacted]-by telephone, mail, or otherwise.

Cavalry placed [redacted] account with collection agencies. The collection agencies have no record of receiving any communication from [redacted]-by telephone, mail, or otherwise.

If your office has any further questions, please do not hesitate to contact me.

Review: Company has put a item on my report, I had sent in requesting a full debt validation with no response. Not just a validation of my name and address. This item is on my credit reports with the bureaus and I want them removed. Your acct number [redacted].Desired Settlement: Complete removal from all credit reporting bureaus not for it to be transfered or sold to any other parties or third parties.

Business

Response:

Revdex.com

150 White Plains Road, Suite I 07 Tanytown, NY 10591

Re: Cavalry Portfolio Setvices, LLC Complainant: [redacted] Complaint [redacted]

Cavahy Portfolio Services, LLC Account No.: [redacted]

Dear Mid-Hudson Dispute Setvices:

Thank you for giving Cavalry Portfolio Services, LLC ("Cavalry") the opportunity to respond to the above-referenced complaint.

This GE Money Bank ("GE") account was purchased on February **, 2013 by a Cavalry affiliate. At that time GE represented that [redacted] owed $412.24, exclusive of any interest, for an unpaid consumer debt. This account was opened on March **, [redacted] and was charged off on

February [redacted]

Ms. [redacted] claims to have requested validation of her account, however Cavalry has no record of any such request being made.

In the spirit of good customer service, Cavalry has closed this account, ceasing all collection efforts with respect to this debt and notifying the three major credit reporting agencies to which it reports of the same.

If your office has any further questions, please contact me at the number listed above.

Review: Cavalry Portfolio Services has posted to my credit report with all 3 major reporting agencies. Cavalry Portfolio responded to a certified letter request for debt validation however they failed to respond with the information listed in said letter as identified under Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor, The original date of default or non-payment of the debt, The date the debt was transferred from the original creditor to the third party debt collector, The original balance, The current balance. Cavalry Portfolio simply responded with a "Verification of Debt" that Lists an account number and Bank of America as the Original Institution. This account does NOT exist in any of my credit reports/records. This account is NOT mine. I request this account and subsequent inquiries to my credit be deleted immediately in accordance to the codes listed above.Desired Settlement: Immediately delete trade lines from all 3 major credit reporting agencies

Business

Response:

Thank you for giving Cavalry Portfolio Services. LLC (Cavalry) the opportunity to respond to the above reference complaint.

[redacted] claims in her complaint in her complaint that the Cavalry did not provide her with proper validation. Cavalry investigated this claim and determined that validation sufficient under federal and state law was provided to [redacted] upon her request.

By way of background, Cavalry received a letter from [redacted] on December *, 2012. On that same date Cavalry mailed [redacted] validation. Enclosed please find a copy of the validation that was provided.

If your office has any further questions, please contact me at the number listed above.

Business

Response:

Dear Mid-Hudson Dispute Services:

Thank you for giving Cavalry Portfolio services, LLC ("'Cavalry") the opportunity to respond to the additional comments made by the above-referenced complaint.

[redacted] again claims that the validation provided by Cavalry was insufficient. Cavalry reviewed the validation provided and determined it to be sufficient under state statute. Additionally, please see attached credit card statements showing [redacted]'s final payment, as well as a credit card statement showing the charge-off balance of the account.

Cavalry believes this debt to be valid and owing. However, in the spirit of good customer service, Cavalry closed this account and ceased all collection efforts with respect to the debt.

If your office has any further questions, please contact me at the number listed above

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution, Cease of account collection and removal from all 3 major credit reporting bureaus,

is satisfactory to me and the matter has been resolved.

Review: I have contacted Cavalry Portfolio many times regarding erroneous reporting of a collection account on my credit reports with Experian and Equifax. I have asked for validation of the alleged account and not only did they not provide proper verification, what they did provide is clearly falsified.

On June [redacted] 2013 [redacted] from Cavalry sent me what claimed to be verification of a debt that contained an address which was never associated to my name. They also alleged in their verification statements that Purchases were made in the amount of $2,959.35 on an alleged credit card that had a $300 total credit limit. Both of these facts prove that the information is not valid. I responded with a very kind offer to settle the account to which they never responded. Many letters since then have gone unanswered. The FCRA states that the reporter of a debt must provide accurate information and must be able to validate the debt. Validation has not occurred.Desired Settlement: Since the information is incorrect, no verification of the debt was made and the company has ceased responding to my offers, I ask that the company instruct the credit reporting agencies (Equifax and Experian) to remove the account.

Business

Response:

The business has responded. Please read below:

May **, 2014

VIA EMAIL ONLY: [redacted]

Dear Sir or Madam:

Thank you for giving Cavalry Portfolio Services, LLC (“Cavalry”) the opportunity to respond to this complaint.

Cavalry sent [redacted] an initial communication letter in December 2012. On January *, 2013, Cavalry received a validation request from [redacted]. On January *, 2013, Cavalry mailed [redacted] validation of her account. At no time did Cavalry resume collection efforts on [redacted]’s account.

In June 2013, [redacted] responded again disputing the account and requesting additional validation. Cavalry sent [redacted] additional validation of her account. A copy of the validation that was sent is attached to this response.

Due to [redacted]’s dispute and complaint and in the interest of good customer service, Cavalry has closed [redacted]’s account.

If your office has any further questions, please do not hesitate to contact Cavalry.

Kind regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

This company has been harassing my family over debt my husband does not owe. They have called my cell phone, my parents who live two states away and my husband non-stop and from several different numbers.

Review: I am a Service Connected Disabled Veteran and when I checked my credit report recently and found all 3 credit reporting agencies stating that I owe Cavalry Portfolio 1,466 dollars.I have not had any business dealings with this company whatsoever.The only company I have dealt with is [redacted] witch no longer exist.This company([redacted])gave me credit(That they knew I did not qualify for) through (Care Credit)([redacted]) for a set of dentures (est.2500) which I paid down to 220 dollars.That's when they told me that the financing I had received did not go through as expected.And that I have alternative but to give (Care Credit) the whole amount due on the balance.I am on a fixed income I could not afford the 220 dollars that they wanted from me in one single payment.I tried to work out a payment arraingment with All Care.But when I showed up at the dental office they told me that I would need all of their money in one single payment.That's when I saved up the money to pay [redacted] but the business had shut it's doors for good. Witch leads me to Cavalry Portfolio reporting to the creit agencies that I owe 1,466 dollars that I do not owe.The most that I owe is 220 dollars.I don't know where they get their figures from which I paid down to 220 dollars.Desired Settlement: Iwould like Cavalry Portfolio Services removed from my credit report.I would also like to have this issue resolved as soon as possible.I am a disabled veteran who would like to improve my credit score.I only recently found out about this on my credit report.I am only asking to be treated fairly.I want this headache over and my credit where it suppose to be.This is not fair to me or my credit.

Business

Response:

Dear Sir or Madam:

Thank you for giving Cavalry Portfolio Services, LLC (“Cavalry”) the opportunity to respond to this complaint.

In the complaint, Mr. [redacted] alleges that the account was paid prior and that the balance is incorrect.

Cavalry investigated the allegations and responds as follows:

Cavalry was contacted by Mr. [redacted] who informed Cavalry that he was represented by an attorney. Mr. [redacted] provided Cavalry the contact information for his attorney, [redacted]. Cavalry did not attempt to contact Mr. [redacted] again.

Mr. [redacted] then filed a customer dispute verification (“ACDV”) form with the credit reporting agency in February 2014. Cavalry responded to the credit reporting agency and confirmed all of the information was accurate.

Cavalry attempted to contact Mr. [redacted]’s attorney and has received no response from Ms. [redacted] or Mr. [redacted].

In order to expedite a resolution to Mr. [redacted]’s concerns, Cavalry has closed Mr. [redacted]’s account.

If your office has any further questions, please do not hesitate to contact Cavalry.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I just reviewed my credit report and couldn't believe my eyes. I'm trying to build my credit and apply for new credit card and when they reviewed my credit they denied me because of this inaccurate account with cavalry portfolio. I paid this account after I was verbally promised a deletion in return for payment. Later I called cavalry portfolio and asked why this account was still on my report and I was told "Sir we can't remove the account because that would be illegal" . I told them I was promised that in return for payment and was told, "either they lied or you are lying".

So, this account is actually preventing me from refinancing my home and as a result preventing me from putting food on the table or a roof over my children heads. This account is completely inaccurate and those inaccuracies should not be showing on my report. I disputed this account on my credit report with [redacted] 45 and 90 days ago as well and yet they still remain. This inaccurate negative reporting has resulted in repeated denials of credit, lost opportunity to receive credit, economic loss, damage to my reputation, loss of self-esteem, invasion of privacy, interference with my normal and usual activities, and emotional distress.

[redacted]Desired Settlement: I consider this defamation and I want this removed from the 3 credit bureaus."

Business

Response:

Dear Mid-Hudson Dispute Services:

Thank you for giving Cavalry Porfolio Services, LLC ("Cavalry") the opportunity to respond to the above-referenced complaint.

In his complaint [redacted] claims he agreed to pay the account in exchange for the deletion of Cavalry's tradeline. Cavalry investigated this claim and determined that Cavalry did not agree to delete its tradeline upon receipt of [redacted]'s payment. However, in the spirit of good customer service, Cavalry has requested its tradeline be deleted from the major credit remaining agencies to which it reports

By way of background. on July ** 2013. [redacted] agreed to settle this account for $50.00. At no time did Cavalry tell [redacted] its traveling would be deleted after this payment. On August **, 2013, Cavalry received [redacted]'s payment on the account. At that time the account was closed as settled and the credit reporting agencies were updated of the same.

If your office has any further questions, please contact me at the number listed above.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,