Consumer complaint received 2019-09-16
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I opened a credit card with XXXX on XXXX with a credit limit of {$1600.00}. 
XXXX - I made my first purchase - {$720.00} XXXX - I received my first statement - They had charged me an additional {$9.00} for a personal protection plan I had not sign up for. Minimum Balance Due : {$15.00} XXXX - I was charged {$1.00} for an Identity Plan that I did not sign up for. 
XXXX - I called XXXX - spoke with XXXX and disputed the {$9.00} and {$1.00} charge. She said they would credit the next statement. Cancelled future plan. 
XXXX - I made a payment of {$37.00}. 
XXXX - I was charged a {$15.00} Check By Phone Fee XXXX - I received my 2nd statement - There was XXXX credit, and I was charged an additional {$9.00} for the same Personal Account Protection Plan. 
XXXX - I was charged another {$1.00} Identity Plan Charge. 
XXXX - I called and disputed {$36.00} in charges I did not sign up for. 
XXXX - I paid {$24.00} towards the account. 
XXXX - Received 3rd Statement - Was charged {$9.00} for Personal Account Protection and {$9.00} for ID Plan. 
XXXX - Called and Disputed all charges totaling - {$56.00} XXXX - Made {$20.00} payment XXXX - Received 4th Statement - Was charged {$9.00} for Personal Account Protection Plan XXXX - Was charged another {$9.00} for ID Plan. 
XXXX - Called and Disputed all charges totaling - {$75.00} XXXX - Paid {$15.00} XXXX - Received 5th Statement - Was charged {$9.00} for Identity Plan XXXX - Was charged {$9.00} for Personal Account Protection Plan and {$9.00} Finance Charge. 
XXXX - Called and Disputed all charges totaling - {$100.00} ( Conf # XXXX ) XXXX - Paid {$17.00} XXXX - Received 6th Statement - The statement showed that on XX/XX/XXXX they credited an Identity Plan - {$9.00} and XXXX Finance Charge Credit. But they charged me an additional {$6.00} on XXXX for a Previous Cycle Premium, {$6.00} for another Personal Account Protection and {$8.00} Finance Charge. 
XXXX - I called and disputed all over charges totaling - {$110.00} XXXX - Made a payment - {$28.00} XXXX - Received 7th Statement - Was charged {$6.00} for Personal Account Protection and {$8.00} Finance Charge XXXX - Called to Dispute all charged totaling - {$130.00} - Balance should be {$710.00} XXXX - Made my 2nd purchase on Credit Card - {$450.00} for a XXXX gaming system and {$78.00} for replacement plan for it, which balance should have been {$1200.00}. 
XXXX - Made {$20.00} payment. 
XXXX - Received 8th Statement - Was charged {$11.00} for Personal Account Protection Plan and {$12.00} Finance Charge XXXX - Called and disputed all charges now totaling - {$150.00} XXXX - Made {$25.00} payment XXXX - Received 9th Statement - Was charged {$11.00} for Personal Account Protection and {$13.00} Finance Charge XXXX - Called and disputed all charges now totaling - {$180.00} My balance at this time I show as {$1000.00}, but because of ALL the fraudulent they charged, they show my balance as {$1200.00} XXXX - XXXX dropped my credit card limit from {$1600.00} to {$1300.00}. The letter I have says the following reason : We recently completed a loss mitigation review on our XXXX XXXX XXXX ( R ) Mastercard ( R ) accounts. As a result of the class of accounts into which your Account fell, the credit limit on your XXXX XXXX XXXX ( R ) Mastercard ( R ) Account has been reduced to {$1300.00} XXXX - I received my 10th Statement. On this statement they show on XXXX They charged me a {$39.00} Late Fee for my Payment I made on XXXX - I made a payment of {$49.00} XXXX - Charged me {$12.00} for Personal Account Protection Plan and {$13.00} Finance Charge. 
XXXX - Called and Disputed my Entire Credit Card ( dropping my credit Limit, the late Fee, and all the Protection Plan and ID Charges totaling - {$240.00}. I told the representative that I will not be making another payment until all these charges are credited, and my account reflected my actual amount owed. She told me she would look into the matter. 
XXXX - Received XXXX Statement. My balance was not changed, and I was charged again {$12.00} for Personal Account Protection,  {$39.00} for a late fee, and {$14.00} Finance Charge. 
XXXX - Called and disputed additional charges, which not equaled {$310.00}, and was told again that the issue would be looked into. 
XXXX - I received 12th Statement. My balance had not changed, and not only did they charge me {$39.00} Late Fee, {$13.00} Personal Account Protection Plan, {$18.00} Finance Charge, but now they charged me an over the limit Fee on XXXX of {$39.00}. 
XXXX - I was livid. I called and complained for the last time. I wanted what was now {$420.00} in bogus charges removed. The representative told me again that the issue would be dealt with. 
XXXX - I made my last payment to XXXX in the amount of {$56.00}. I called the payment in, and told the representative that this would be my final payment unless my next statement was corrected. 
XXXX - I received 13th Statement, and not only did they charge me {$39.00} on XX/XX/XXXX for Overlimit Fee, {$14.00} Personal Account Protection, {$19.00} Finance Charge, but {$15.00} Check By Phone Fee AGAIN! 
XXXX - I called for the Last Time. If my account was not credited {$500.00} for all the disputed and what I felt, unlawful fees that had charged over the past year, I was DONE! 
XXXX - I received the 14th Statement, and had been charged {$39.00} pm XXXX for Overlimit Fee, {$14.00} Personal Account Protection, and {$22.00} Finance Charge. 
XXXX - I received the 15th Statement, and had been charge {$15.00} Personal Account Protection and {$19.00} Finance Charge.  No late fees or overlimit fees. 
XXXX - I received 16th Statement, and was only charge {$20.00} Finance Charge. 
XXXX - I received 17th Statement, and was charge {$23.00} Finance Charge. 
XXXX - I received 18th Statement, and was charge {$20.00} Finance Charge. 
XXXX - I received the 19th and Last Statement from XXXX, and was charge {$21.00} Finance Charge. 
All Disputed charges totaling {$700.00} XXXX - I received a Request and Writ for Garnishment for XXXX Bank from their attorney, XXXX XXXX, in the amount of {$1900.00}. I wrote to the court and disputed all actions taken by Cavalry SPV/ Assignee of XXXX Bank Nevada . I was never served with a summons, and I felt the judgement unfair. 
Didn't matter. And I have had this judgement hanging over my head for years. I have been XXXX since XXXX, and the years I receive the same Request and Writ for Garnishment ( Income Tax Refund/Credit ), they are unable to collect. 
XXXX - A man named XXXX XXXX, showed up at my door, showed me a badge, said he was the XXXX  XXXX XXXXherrif 's  department, and handed me a Report of Collection Activity under Order to Seize Property. He said that if I didn't pay {$600.00}, he would have a wrecker come and pick up my XXXX XXXX XXXX. He ended up accepting {$400.00} cash, and had me sign the form, giving me a copy. At the bottom of the page, in his writing, it says : I agree to pay XXXX XXXX / Cavalry SPVL XXXX {$100.00} monthly starting XX/XX/XXXX and by the XXXX of each month thereafter until the debt has been paid in full. 
I have no idea what the full amount is, and I called his number XXXX to ask on XXXX, XXXX, and XXXX. I received no phone call back. 
Today, XXXX, I called his number again. He answered. Didn't give me the full amount, but gave me the address on where to send the {$100.00} payments. 
I don't know what to do. I have been disputing everything that has to do with XXXX for over 11 years now, and I just want it to be over. I don't know if I should just start paying something I don't owe, but now have a judgement against me for, and I am scared to call the XXXX XXXX / Cavalry SPVL XXXX number XXXX because I feel that any amount I pay will all be for nothing, and I will end up owing these people for the rest of my life. 
If you can, please help me.

Company response to consumer: Closed with explanation