Consumer complaint received 2016-04-03
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My wife and I have been negatively impacted by the debt collection practices of Calvary Portfolio. I have seen her upset and have seen her negatively impacted for a contract employment opportunity because her reputation was negatively impacted due to a scrupulous Public Record entry which this company used as a means to collect a debt. This circumstance greatly affects my entire family unit, for which I tirelessly work hard for. This form of debt collection also forces innocent people whom are not known to my wife to be publicly associated with a debt they do not owe in a Public Record forum. If Calvary Portfolio is allowed to continue in this debt collection pattern, this means, any person 's name will eventually be included in a Public Record entry by virtue of living next to, living with, or knowing someone with a debt, but the debt is not belong to them. 
Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. 
Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since XX/XX/XXXX. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract XXXX job and my acceptance of an XXXX Position. Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. My wife also was treated very poorly and abusively by Calvary Portfolio 's lawyer. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur. This debt has been paid and I did so not really having hardcore proof specifically of this debt, the purchase of the debt, nor was I given an opportunity to be heard prior to the filing of several motions in several states by Calvary Portfolio ( or their representatives ). It has already been requested Calvary Portfolio remove their Public Record Entry for my name in all the states they filed motions just to collect a debt. Please see the attached for XXXX example. If there are filing fees, please advise, but the comments they have added to the public Record forum is absolutely inappropriate. It is noted that Calvary Portfolio essentially concedes that prior to legal action being taken against me, their offices did not attempt to contact me for a debt they 've procured and took legal action prior to me being heard both in XX/XX/XXXX and in XX/XX/XXXX. Even with knowledge of a known address, a time frame period was not provided to me informing me of a possible impending legal action.

Company response to consumer: Closed with explanation