Report: #390888

Complaint Review: Cavalry Portfolio Services, LLC

  • Submitted: Thu, November 13, 2008
  • Updated: Sun, November 16, 2008
  • Reported By: Palisades Park New Jersey
  • Cavalry Portfolio Services, LLC
    PO Box 1017
    Hawthorne, New York

Show customers why they should trust your business over your competitors...

It's a long story but the truth is that couple years ago, I called Sprint customer representative and closed my account (Sprint didn't mention any pending fees/bills due during that time - and it was like a pre-paid plan), so I'm pretty sure I don't owe anything. But since past summer, I've been getting numerous calls from them asking me to pay $350 debt from my old Sprint account. I checked out the local Sprint store where I opened my service and noticed they were gone and went out of business.

So anyway, around september, I sent Cavalry a validation notice (by the way, what's the difference between validation notice and dispute notice?) of this debt (hand-written, return receipt, certified), and they sent me one letter which is nothing but a payment plan (like if I pay by xx/xx/2008, I'll get 20% discount). So I sent them a second validation notice, and since the day they received 2nd notice, somehow they STOPPED calling me (I did mention in my letter that they should stop all collecting activities, but it even scares me more, because I'm not sure what they are up to).

And it's been more than 30 days already, and I was thinking about calling them to ask what happened to my account & what happened to my request for validation of this debt. Should I try calling them at all? Is this going to wake them up and start harrassing me again? Although nothing shows up on my credit report yet, I'm afraid that they will come back and review my Cavalry account and report anything in the near future. I want my info & account totally gone in their system.
By the way, I didn't file any complaints yet, I heard it's not helpful since no one takes any action...?
Any advices would be appreciated
Thanks in advance!

Palisades Park, New Jersey
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This report was posted on Ripoff Report on 11/13/2008 12:41 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 Consumer Comment

check this out

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

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

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



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
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#2 Consumer Comment


AUTHOR: Jfd55 - (U.S.A.)


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.
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#3 Consumer Comment

If they have not responded to 2 letters- they cannot validate.

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

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


go to www. 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 for more info on FDCPA law and file complaints
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#4 Author of original report


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

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
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#5 Consumer Comment

Just do this

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

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
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#6 Consumer Comment


AUTHOR: Jfd55 - (U.S.A.)

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.
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