• Report: #213678

Complaint Review: Calvary Portfolio - Cavalry Portfolio

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  • Submitted: Sun, October 01, 2006
  • Updated: Mon, October 02, 2006

  • Reported By:Austin Texas
Calvary Portfolio - Cavalry Portfolio
7 Skyline Dr Ste #3 Hawthorne, New York U.S.A.

Calvary Portfolio Services AKA Cavalry Portfolio Services - Helpful Info To Maybe Put A Stop To The Bottom Feeders. Calvary Portfolio Services Alternate Spelling "Cavalry" false credit reporting, illegal reporting dates, can't validate debt Hawthorne New York

*Author of original report: In response to Steve - Bradenton, Florida

*Consumer Suggestion: BJ, the solution here to stop Calvary Portfolio is much simpler than that.

*Consumer Suggestion: BJ, the solution here to stop Calvary Portfolio is much simpler than that.

*Consumer Suggestion: BJ, the solution here to stop Calvary Portfolio is much simpler than that.

*Consumer Suggestion: BJ, the solution here to stop Calvary Portfolio is much simpler than that.

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I hope that people will take action against this company and any other like it.

Cavalry/Calvary Portfolio Services alternate spelling "Cavalry".
with offices in the following states:

http://www.cavalryportfolioservices.com/

Hawthorne, NY
PO Box 1030
Hawthorne, NY 10532
866-434-2996

Phoenix, AZ
PO Box 27288
Tempe, AZ 85282
800-861-4966

Tulsa, OK
PO Box 470937
Tulsa, OK 74147
866-898-4109

St. Paul, MN
PO Box 75428
St. Paul, MN 55175
877-266-8815

Like so many of the reports I have read, I have also fallen victim to Cavalry/Calvary Portfolio Services and AT&T Cingular..

I earn my living in the Finance and Collection Industry so I know how to keep my credit perfect or screw it up. I also know the laws of collection and who to contact when it all goes wrong. However, I choose to pay my bills and my debts to avoid scab companies like Cavalry/Calvary Portfolio. So for those of you who want to defend the collection company, I am not proud to say I have worked with the lowest of you scum. I know how you operate and manipulate and try to intimidate. It won't work here.

For 5 years my credit report was spotless, until January 06 when I pulled a credit report for review purposes (done every 6 months) and there it is a debt is from 1999 for 800.00. Contrary to what the collection companies and there defenders here may say, not everyone owes the debt.

Again, I am well versed in the Collection Laws. I walked every step by the law. I requested proof of the account. I have been a Sprint Customer for 13 years. I never had an At&T or Cingular Account. So where did this come from. I requested validation in writing, certifies mail. Cavalry/Calvary ?s only has response to my request and has been to change the dates of the delinquency to June of 2006. Which happens to be the month they received my 3rd letter requesting validation. They see this as debt acknowledgment and new account activity and feel it is legal to change the dates.

Unfortunately, to fight Cavalry/Calvary and other scab collection companies, you are going to have to put a lot more time and effort. Your credit effects your home utilities, auto insurance rates, chances for buying a home or auto, and of course interest rates for any credit accounts. It is worth the effort. These companies bank on consumers who are unknowledgeable or don't want the hassle of fighting the collection companies.

Here is what I know and will give the information freely.

I contacted the Texas state Attorney Generals office for help. All states have government agencies to help you with this you just have to ask. The Texas AGA pulled Cavalry/Calvary in there complaint data base and stated that there are 32 consumer complaints for the same reason as mine for the month of September 06 alone.

They said that the when enough complaints come in about Cavalry/Calvary and the other scab collection agencies that they will start an investigation and could start legal actions against them. The problem is the consumers (you) are not SPEAKING UP.

So take this a step further. If you have the time to file a report here, then file one with your State Attorney General and the State Attorney General where the companies do business.

Other Agencies and Companies are equipt to help you clear your credit but again you have to make the effort. You have already paid for the services if you pay taxes. Even if the agencies are understaffed or not eager to help, leave a paper trail, file complaints! Make sure you document all contact with scabs in writing. Letters should always be certified mail with a receipt! The bigger and longer the paper trail is against them the easier each of us can prove our genuine innocence.

Here are the companies you should contact to file complaints or get advice and information on how to fight the debts and scab collectors.

In Texas (other states have the same or similar agencies and resources just search it on the internet. You will find it!)

Texas Attorney General - http://www.oag.state.tx.us/
Texas Secretary of State: http://www.sos.state.tx.us/
(Collection companies have to a bond to collect/do business in the state where you reside. Secretary of State can tell you if this has been done)
Public Utility Commission: http://www.puc.state.tx.us/
Texas State Law Library: http://www.sll.state.tx.us/
Texas State Bar: http://www.texasbar.com/
(Will help you contact legal advisors to fight the scab collection companies)

States that Cavalry does there dirty business: (go to the ?Consumer? to file complaints)

State of New York - http://www.oag.state.ny.us/
State of Arizona -. http://www.azag.gov/
State of Oklahoma - http://www.oag.state.ok.us/
State of Minnesota - http://www.ag.state.mn.us/

Additional sites to file a complaint. Keep at it, they will help you eventually or send you to someone who will.

Federal trade Commission - http://www.ftc.gov/
American Collectors Association - http://www.acainternational.org/
Better Business Bureau (National) - http://www.bbb.org/
You should file a complaint with the National BBB, Your Local BBB, and the BBB where the companies is doing business.

National Foundation for Credit Counseling - http://www.nfcc.org/
(Your not admitting to the debt you are looking for advice to fight and clear the debt.)

dispute the collections with all of the credit bureaus in writing certified mail.
Experian - http://www.experian.com/
Equifax - http://www.equifax.com/
Trans Union - http://www.transunion.com/

Don't blow this off! The longer time lapses and the less effort you make, the harder it is to prove it isn't you debt and that you want it to be corrected. Why? Simple, because if it isn't your debt why would you let it ride on your credit and run your chances for or loans and pay higher prices, interest and possibly jobs because of an invalid debt on your credit report.

The only other thing you can do is contact an attorney who specializes in this field or contact the attorney that others have listed on this site. Attorneys can work together from several different states and if enough people come forward with valid complaints it turns into a class action lawsuit. it is worth the phone call at the least.

BJ
Austin, Texas
U.S.A.

This report was posted on Ripoff Report on 10/01/2006 02:51 PM and is a permanent record located here: http://www.ripoffreport.com/r/Calvary-Portfolio-Cavalry-Portfolio/Hawthorne-New-York-10532/Calvary-Portfolio-Services-AKA-Cavalry-Portfolio-Services-Helpful-Info-To-Maybe-Put-A-St-213678. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Author of original report

In response to Steve - Bradenton, Florida

AUTHOR: Brittany - (U.S.A.)

I appreciate your advice Steve. As I stated, I have done exactly what you suggested. it is still on my credit with changes by Cavalry that make it look like more recent debt on my credit report. So who would you tell me to I go to for help in enforcing the laws that govern the collection companies? Do I or the many others like me have the money for an attorney to file a lawsuit?

All of the agencies I listed are involved in governing the collection companies and can help all of us. It takes time for the agencies to take action. They have to have enough complaints by consumers to decide to do something to regulate these collection companies.

Second, YES the Utilities commission can help who do you think regulates the original company AT&T/Cingular who said I owe the debt.

Point is Steve, again, not everyone can afford an attorney and file suit. We need the government agencies to open there eyes and pay attention to what is going on. They won't know anything if we don't tell them.

Most of the complaints listed on Rip-off are consumers asking for help. I answered there that question. I never said it was an easy solution.

Unfortunately, it will only take a high profile Class Action lawsuit or enough people complaining to the right agencies to make any changes happen for us and consumers in the future.

The lackadaisical attitude to take the easy way out is exactly why these companies are getting away with this. The general public has to take the initiative to put in a little extra effort to take the necessary steps to bring this situation to light and get laws and governing agencies to change!
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#2 Consumer Suggestion

BJ, the solution here to stop Calvary Portfolio is much simpler than that.

AUTHOR: Steve - (U.S.A.)

BJ,

All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account".

Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA.

File complaints online at FTC.gov for each violation of your rights.

This is all it takes. The agencies you mentioned have little or no authority to do anything.

These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.
Respond to this report!
What's this?

#3 Consumer Suggestion

BJ, the solution here to stop Calvary Portfolio is much simpler than that.

AUTHOR: Steve - (U.S.A.)

BJ,

All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account".

Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA.

File complaints online at FTC.gov for each violation of your rights.

This is all it takes. The agencies you mentioned have little or no authority to do anything.

These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.
Respond to this report!
What's this?

#4 Consumer Suggestion

BJ, the solution here to stop Calvary Portfolio is much simpler than that.

AUTHOR: Steve - (U.S.A.)

BJ,

All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account".

Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA.

File complaints online at FTC.gov for each violation of your rights.

This is all it takes. The agencies you mentioned have little or no authority to do anything.

These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.
Respond to this report!
What's this?

#5 Consumer Suggestion

BJ, the solution here to stop Calvary Portfolio is much simpler than that.

AUTHOR: Steve - (U.S.A.)

BJ,

All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records.

By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account".

Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA.

File complaints online at FTC.gov for each violation of your rights.

This is all it takes. The agencies you mentioned have little or no authority to do anything.

These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.
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