Cavalry Portfolio Services, LLC Cavalry Portfolio says I own a debt from my old Sprint acccount Hawthorne New York

Cavalry Portfolio Services, LLC
4050 Cotton Ctr Blvd
Phoenix, Arizona 85040
Phone: 602-667-0128
Fax: 602-667-0686
Web Address: www.cavalryinvestments.com

Phoenix Office
4050 E Cotton Ctr Blvd, bld 2
Phoenix, Arizona 85040
Phone: 602- 667-0128
Toll Free: 877-222-8257
Fax: 602-667-0686
New York Office
7 Skyline Drive
Hawthorne, New York 10532
Phone: 914- 347-3440
Toll Free: 800-724-1757
Fax: -914- 347-1973
Tulsa Office
9522 E 47th Place
Ste H
Tulsa, OK 74145
Phone: (918) 665-5600
Toll Free: (800) 429-0535
Fax: (918) 665-5656
Saint Paul Office
408 Saint Peter St., Ste 210
Saint Paul, MN 55102-1187
Phone: (651) 287-2980
Toll Free: (800) 322-3323
Fax: (651) 287-2877



CAN THE AVERAGE CONSUMER WIN? Oh Yeah...


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Bud Says Consumer Comments Below

There are not enough names to call this organization. Keep both hands on your wallet and watch your credit reports. These AZ & NY collectors will pick you clean and come back for more. Major FDCPA violators. If you are having a problem with them or their debt collectors, let the owners know about it. Contact: Alfred Brothers,

Exec VP 888-473-3581

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email the details w/your location. Assistance and referral to a consumer legal specialist may be available.


This is one of the WORST Third party debt collection agencies
I have personal experience with an agency like them - sued them in court and won
I you send a cease communications letter via certified mail with return receipt requested and they still harrass you then contact the appropriate agency that can help you with this matter
FIGHT BACK!!!

George,

I mean to say that you shall indicate in your second letter that you need valid proof not a bill from them and even listing the proof (i.e. a signed contract by you).

Sending validation letters is the way we asked them to provide the proof, so I was just suggesting the wording of the second letter.

As mentioned before, you have to read a lot about this. I suggest you to start here:
(((link redacted)))
(((link redacted)))

I've read mixed advice contacting the OC (in this case Sprint). I did it, first by phone and they couldn't find an account, then I did it by email and funny thing: they found an account. After several emails, now I received an email from a person of the Customer Finance Department asking me to file a report with their Fraud Department (a telephone number was provided) and dispute with the Credit Bureaus.

I read online that Sprint ask you to provide several documents as proof including an official ID and copy of your SS#. I am not willing to disclose them this information which they do not have right now (yeah, How in hell could they open an account without this info?) So I'm afraid they would use whatever I send to fill the blanks on their system. So is up to you to contact them to try to solve it.

I answered the email telling this person I'm willing to help but I want an address to send my dispute letter since I don't trust them and I want all communication in writing.

You DO NOT send a Validation letter to Sprint. You can dispute the issue with them, but (my understanding) the loophole in the law is that they do not have to provide you with a valid proof (I guess they suppose to protect the client) so they are not forced to provide you with a contract or another proof.

Check the flow chart I mentioned, and if you're in about day 47, you can now start disputing to the bureaus to remove the item.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Validation means they have to provide complete details about the debt - not their own billing statements.

START BY EDUCATING YOURSELF!

go to www. budhibbs.com a Consumer Advocate website that deals with Collection Agencies and this one is listed as one of the top worst FDCPA violators

Collection Agencies do not want you to know about this site - it exposes the dirty nasty illegal tricks they use to scare you into paying something you probably do not owe

also www.ftc.gov for more info on FDCPA law and file complaints

Thanks for your comments guys, but a confusion here jfd55,
You said,

"Since you already sent a Validation letter with no answer, the second one should ask for a valid proof. Then is the time to initiate the dispute so the CRA can remove/mark your credit report."


I sent the validation letter twice to collection agency and they haven't responded until now, and what do you mean send a second one asking for a valid proof? Haven't I done that already?

And should I also send validation notice to Sprint?

Thanks for help

send them a cease and desist letter certified mail with return receipt requested
DO NOT talk to them on the phone, email etc etc
They are nothing but a third party collection agency ie: scum
Been there done that

I'm new to this too, just received a bill from Cavalry about an Sprint account. I never have (and now will never even think of having) and account with Sprint.
So, I've been reading about this in the past days and found too much information.
Validation letter is a request to the AC to prove that you owe the debt. They shall send you a valid proof, not another statement.
Dispute letter is to CRA telling them that the debt is in process of discussion and should be erased or marked as dispute.
Since you already sent a Validation letter with no answer, the second one should ask for a valid proof. Then is the time to initiate the dispute so the CRA can remove/mark your credit report.

In my opinion you shall file complaints with all agencies you can. I filed with BBB, FTC, Attorney General and Department of Consumer Affairs. Sometimes when several complaints exist then a class action is taken otherwise these companies keep on bothering the consumer.

The most important advise I read (and follow) is to leave a big paper trail, everything by writing so you can prove all.

You can check my report and updates, just search for Cavalry Portfolio Services LLC And Sprint Credit report adversely affected due to FALSE charge.

I hope this help.