Consumer complaint received 2022-02-18
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hello XX/XX/XXXX I decided to open an account with XXXX XXXX XXXX, the time I opened the account I was told that If I need to purchase something I can buy with the receipt that they gave me until I receive my new card. 
on XX/XX/XXXX, I got a call from XXXX, one of their customer services told me that I was late for two months and I told them I didn't get the card or any statement yet how can I have a past due for 60 days? they say yes we have sent you the card and all the statements when I told him to verify the address they actually sent it to the wrong address so the customer service told me they will remove any late fees which they did. 
They've requested that for the future I can create a XXXX account and set up autopay which I did. The customer service stated that I need to make the payment today or I will get a 60-day overdue report on my credit, so I paid the gentleman {$300.00} that day On XX/XX/XXXX with a check I thought that was it but it wasn't. 
so in XXXX, I decided to get financing for a new car at the time my credit score was XXXX and I am applying for the car I qualified for with a low-interest rate. When I got to the dealership they have to check again I found out that my credit score has dropped XXXX points, came to find out they did report a 60-day negative payment on me. and it was XXXX. I had no choice but to finance the car with a high-interest rate. 
I called XXXX more than 28 times and each time I call XXXX they gave me a different supervisor and stated that whomever I had spoken with they don't know their name to they don't work here anymore to asking to give them 30 to reply back to the credit bureaus. 
I've opened several disputes with the credit bureaus but every single time a dispute was in my favor another person would add the bad credit back to my credit history. so I've decided to pay the credit off so I don't have to deal with XXXX anymore. In XX/XX/XXXX I received a package from Calvary XXXX stating That I owed them {$1700.00} ' I called them to state them that the account was paid off and that's when I found out there was another account opened at the same time and they stated that I was making payment on it, came to find out that XXXX has been taking money from my bank account for 2 different accounts when I only receive 1 credit card from them, so I called XXXX asking them to send me a copy of any statements which they did but with the wrong address. 
with all that, they refuse to accept responsibility for their mistake. 
during the beginning year of XXXX Corona Virus time, Calvary XXXX kept on reporting negative history on my credit, I'm self-employed I couldn't get any loan for my business, my credit was XXXX, I couldn't for the PPP Loan I could get any type of credit with SBA, I was forced to close down my business, they've turned my life upside down, my finances my family my mortgage, my car payments and everything else that I've worked for.

Company response to consumer: Closed with explanation