Consumer complaint received 2017-08-14
Company: CAVALRY INVESTMENTS, LLC
State: NY
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:
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Calvalry XXXX, NY XXXX Re : Original Institution XXXX. XXXX.A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} I have received information from, XXXX, ( XX/XX/XXXX ),  XXXX respond information via CFPB ( XX/XX/XXXX ) and Cavalrys ( XX/XX/XXXX ), copy of XXXX information regarding A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} regarding my complain to CFPB. 

I am disappointed that the entire document compiled by XXXX and Cavalry did not include original term of agreement between XXXX and myself and Credit Protector fee, and how the interest, late fee or over the limit fees are accumulated and why, any record showing, how much were deducted for Credit Protector in case of unemployment or medical, issues and when was the last activities in the card. 

I am asking again furnish me with the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

Indicate clearly how the interest fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges like Credit protector are expressly authorized by the agreement creating the debt or are permitted by law. 

I have been unemployed and XXXX for a long time due to three different motor accident and XXXX and my only source of income is US {$XXXX} from XXXX XXXX XXXX/retirement ; despite that I had been paying my debts with the help of my wife who had decided to discontinue helping until the date I stopped paying all my bills. I have not seen any XXXX report indicating that they were helped with that side of benefit. XXXX who apparently sold use their legal resources to harass me and failed to meet their obligation to assist their card member in any event resulting from medical issue, or unemployment. XXXX finds it easy to sell such account to debt collector and they fail to let the Debt Collector the Calvalry know that, Medical Record had been supplied to XXXX, Protection Service who had been deducting freely from this account. Credit Protector Fee is supposed to help the Card member in any event resulting from medical reason or while they are undergoing medical treatment or unemployed, instead I am penalized for over the limit, late fee and other fees XXXX feel they have the right to charged THESE MONEY while they were not honoring my unemployment and medical condition. This information have not been included this in the documents you provided by XXXX and Calvalry and yet they are threatening to garnish my only source of income. 

XXXX failed to honor their word ; they have all the Doctor report like other who other waived or stop bothering me due to my unemployment and medical condition. I have 2 XXXX Degrees, and tried to work with XXXX XXXX XXXX without success. My medical condition has not changed in addition I had two XXXX XXXX and undergoing XXXX XXXX up to now. 

Sincerely, XXXX XXXX Cc. : XXXX CFPB

Company response to consumer: Closed with explanation