• Report: #262321
Complaint Review:

Cavalry Portfolio Services, LLC

  • Submitted: Sat, July 21, 2007
  • Updated: Sun, September 02, 2007

  • Reported By:Apollo Beach Florida
Cavalry Portfolio Services, LLC
PO Box 1017 Hawthorne, New York U.S.A.


*Consumer Suggestion: Stop talking and start writing!

*UPDATE Employee: at&t can tell you the date and time the account in question was established.

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I just recently got out of the military and am trying to settle down and buy my first home. Little did i know my credit was ruined due to CAVALRY PORTFOLIO SERVICES for some debt that isn't even mine. They claim i owe $1,373.99 to AT&T/CINGULAR and have put it on my credit as seriously past due. No matter how many times i dispute it, they do nothing. When i call them, they say the only thing they can do is send me a fraud form to fill out...but this so called form is requesting that i send copies of police reports and proof of residence at the time the account was established??? Are you kidding me??? I don't even know when or how the account was established because I DIDNT DO IT...i have tried to explain to them that this is obviously Identity theft (which i have notified the credit agencies of) but still...they do nothing. The weird thing about this is i am a current customer of Cingular and have been for years...and they know nothing of this debt!!! If anyone out there has any advice, please let me know because i am desperate to get this cleared up!

Apollo Beach, Florida

This report was posted on Ripoff Report on 07/21/2007 01:27 PM and is a permanent record located here: http://www.ripoffreport.com/reports/cavalry-portfolio-services-llc/hawthorne-new-york-10532/collection-agency-scavalry-portfolio-secavalry-portfolio-services-ll-32e2yhtm-262321. 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 Consumer Suggestion

Stop talking and start writing!

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

Things to do:

FIRST - Read the Fair Debt Collection Practices Act at ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter. In your case you would ask that the report to the credit bureaus that this item be removed because it is not your debt.

It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt.

Good Luck
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#2 UPDATE Employee

at&t can tell you the date and time the account in question was established.

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

at&t can tell you the date and time the account in question was established. They can also tell you how it was done, Internet or in person, through a 3rd party site or directly on the company website.

If you are a current customer, when you opened the account, did they ask for a deposit? If yes that could be because you had a charged off account with at&t. You said cingular does not know about this debt, this means you don't have a second account with cingular and the debt ( charge off ) was from at&t before the merger in Nov 2004. Before this time they were 2 separate companies.

We are able to look up old accounts from at&t before the merger. It is a different billing system but possible. First ask the credit collection agency for the account number, usually with that we already can see which part it belongs too. Old at&t, before Nov 2004, cingular, or new at&t ( after Feb 2007 ), Cavalary can give you the date from when the debt was first reported to them, ask them if they bought it out from another credit collection agency to get the correct original date of debt. There are primary and secondary collection agencys working on it. If you have the original debt date, you can base it on the time line I mentioned where to look.

Good luck.
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