• Report: #159813

Complaint Review: Cavalry Portfolio Services

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  • Submitted: Thu, October 06, 2005
  • Updated: Fri, October 21, 2005

  • Reported By:San Jose California
Cavalry Portfolio Services
7 Skyline Dr 3rd Floor Hawthorne, New York U.S.A.

Cavalry Portfolio Services is using credit assassination as a means to extract unsubstantiated collection accounts from consumers RIPOFF Hawthorne New York

*Author of original report: Cavalry Portfolio Services, LLC to delete trade line from my credit report

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In March 2005 I received a phone call from a representative of Cavalry portfolio services, LLC (CPS) about a Sprint PCS account in the amount of $514.30 that was in collection. I told the representative that I didn't think that I owed Sprint anything, but I would check my records and get back to them. The representative then told me that I did owe the money because it was on my credit report. I immediately contacted the three credit reporting agencies and put a fraud alert on my report. I checked my records and found that I had switched from Sprint PCS to AT&T Wireless in November 2001.

I contacted CPS and told them that I had closed that account out in December of 2001 with a Zero Balance. They said I must have been a victim of identity theft and they would send me a FRAUD STATEMENT OF DISPUTE form. I received the form in late June 2005. I filled out the form on July 5, 2005 and retuned it to CPS with a copy of my November 2001 AT&T invoice and a copy of my December 2001 Sprint PCS invoice showing a zero balance. I have not received an invoice from Sprint since that time. If sprint or CPS would have tried to contact me it should not have been too difficult; I have been at the same address and had the same phone number for over 30 years.

Cavalry portfolio services, LLC is using credit assassination as a means to extract unsubstantiated collection accounts from consumers. This practice is unconscionable and should be stopped immediately. CPS put a collection account in my credit reports in December 2004 three months before they contacted me. I have asked CPS, numerous times over the phone, to remove this collection account from my credit report. I am now requesting this in writing. I am also requesting copies of all documentation pertaining to this account such as account application, payment records, invoices, or any other paperwork that would show that this account is my responsibility.

Jerry
San Jose, California
U.S.A.

This report was posted on Ripoff Report on 10/06/2005 05:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cavalry-Portfolio-Services/Hawthorne-New-York-10532/Cavalry-Portfolio-Services-is-using-credit-assassination-as-a-means-to-extract-unsubstanti-159813. 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.

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Updates & Rebuttals

#1 Author of original report

Cavalry Portfolio Services, LLC to delete trade line from my credit report

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

After a letter, dated October 6, 2005 containing the original report info, to Cavalry Portfolio Services, LLC and cc to:
Attorney General's Office
California Department of Justice

Federal Trade Commission (FTC)
Bureau of Consumer Protection

Cavalry Portfolio Services, LLC
Senior Vice President Cassandra B. Duff
Senior Vice President Michael Godner
CEO Andrew N. Zaro

And an E-Mail to
Senior Vice President Alfred Brothers
Cavalry Portfolio Services, LLC
abrothers@cavps.com

I received an E-Mail on October 19, 2005 from:
Kristen Papp
Manager
Customer Client Services
Compliance
Cavalry Portfolio Services, LLC
kpapp@cavps.com

She said she would be more than happy to assist me. I called on October 20, 2005 and left a voice mail. I called again on October 21, 2005, Ms Papp said, they were closing my account and they would notify the credit bureaus to delete their trade line, (I hope this is the same as deleting an ADVERSE or COLLECTION account), from my credit reports.

NO EXPLANATION!!!!! NO APOLOGY!!!!!! Just a P.S.:
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Cavalry Portfolio Services, LLC put a negative credit report in my credit record in December 2004 three months before they contacted me and they didn't even say they were SORRY!!!!
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