Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (FL)

CAVALRY {$2800.00} On XX/XX/XXXX I sent a Cease letter to Cavalry which is attempting to collect a debt that is expired, has not been verified and continues to try to re-age this account. On XX/XX/XXXX they responded to a complaint I placed with the CFPB on XX/XX/XXXX stating they were aware of the cease request but yet still send me a notice on XX/XX/XXXX. 

In their response on XX/XX/XXXX they stated that the debt for {$2800.00} was CO on or about XX/XX/XXXX and XXXX shows a date of first delinquency of XX/XX/XXXX and Cavalry has only sent me a bill with a due date of XX/XX/XXXX for the time frame of ( XXXX ). If the account was charged off on XX/XX/XXXX why do I have a bill on XX/XX/XXXX and why has Cavalry not sent me the Charge off notice from this creditor. Why have they not provided me with the information I requested showing they own this debt? Also charges off are normally 180 days from the date of last payment so what is the true date of first delinquency. I never got a notice of validation from Cavalry and asked them time and time again to provide me with all the information to help verify they even have a right to collection on this account which they have not been able to provide. Not to mention they are attempting to collect a debt well out of the statue of limitation for the state of Florida and continue to report this on my account without providing me with any real reason to believe they have any rights to this debt. Also have violated the cease order after knowing as they stated in the response on XX/XX/XXXX and still sent a request 2 days later on XX/XX/XXXX. 

CAVALRY {$4100.00} On XX/XX/XXXX I sent a Cease letter to Cavalry which is attempting to collect a debt that is expired, has not been verified and continues to try to re-age this account. On XX/XX/XXXX they responded to a complaint I placed with the CFPB on XX/XX/XXXX stating they were aware of the cease request but yet still send me a notice on XX/XX/XXXX. 

In their response on XX/XX/XXXX they stated that the debt for {$4100.00} was CO on or about XX/XX/XXXX and XXXX shows a date of first delinquency of XX/XX/XXXX and Cavalry has only sent me a bill with a due date of XX/XX/XXXX for the time frame of ( XXXX ). If the account was charged off on or about XX/XX/XXXX the why has do i have a bill for XX/XX/XXXX and why has Cavalry not sent me the Charge off notice from this creditor. Why have they not provided me with the information I requested showing they own this debt? Also charges off are normally 180 days from the date of last payment so what is the true date of first delinquency. I never got a notice of validation from Cavalry and asked them time and time again to provide me with all the information to help verify they even have a right to collection on this account which they have not been able to provide. Not to mention they are attempting to collect a debt well out of the statue of limitation for the state of Florida and continue to report this on my account without providing me with any real reason to believe they have any rights to this debt. Also have violated the cease order after knowing as they stated in the response on XX/XX/XXXX and still sent a request 2 days later on XX/XX/XXXX.