Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Complaint Against Cavalry LLC - FDCPA Violations, Improper Service, ThirdParty Disclosure, and Request for Return of Funds Summary of Complaint I am filing this complaint against Cavalry LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), improper service of legal documents, unlawful disclosure of my personal information, and continued wage garnishment based on a judgment obtained through invalid service. At the time Cavalry LLC claims service was perfected, I was living in Pennsylvania, yet they attempted service in Florida at a former residence. This resulted in a default judgment I had no opportunity to contest. I am requesting a full investigation, correction of the judgment, and return of all funds garnished under these improper circumstances.

1. Service Was Attempted in Florida While I Was Living in Pennsylvania At the time Cavalry LLC claims service was completed, I was residing in Pennsylvania. Despite this, they attempted service in Florida, at a former residence where I no longer lived. I had no ability to receive documents there. Service was attempted in the wrong state, at an address where I did not reside. My personal documents were provided to someone else. I never received notice of the lawsuit and therefore could not appear in court. A default judgment was entered against me without proper service.

FDCPA Violations : 809 ( a ) / 15 U.S.C. 1692g ( a ) failure to send required written notice to the consumers correct address.

807 ( 10 ) / 15 U.S.C. 1692e ( 10 ) deceptive means to collect a debt, including knowingly using an incorrect address.

808 / 15 U.S.C. 1692f unfair or unconscionable means to collect a debt, including obtaining judgments through improper service.

2. Unlawful ThirdParty Disclosure of My Personal Information Cavalry LLC disclosed my debt information and confidential documents including my Social Security number to someone at the Florida address who was not authorized to receive anything on my behalf. This creates a serious risk of identity theft.

FDCPA Violations : 805 ( b ) / 15 U.S.C. 1692c ( b ) prohibits communicating with third parties about a consumers debt.

806 / 15 U.S.C. 1692d prohibits conduct that harasses, oppresses, or abuses, including exposing a consumers debt to others.

807 / 15 U.S.C. 1692e prohibits false or misleading representations, including implying someone else is authorized to receive legal documents.

3. Default Judgment Obtained Through Improper Service Because I was never properly served, I had no knowledge of the lawsuit and could not appear in court. A default judgment was entered based on service that was not valid.

FDCPA Violations : 807 ( 2 ) ( A ) / 15 U.S.C. 1692e ( 2 ) ( A ) misrepresenting the legal status of a debt.

807 ( 5 ) / 15 U.S.C. 1692e ( 5 ) taking legal action that can not legally be taken.

808 / 15 U.S.C. 1692f unfair means to collect a debt, including obtaining judgments through improper service.

4. Judge Refused to Vacate Judgment Based on Later Circumstances When I later moved back into my parents home in Florida, the judge denied my motion to vacate the judgment. However : At the time of alleged service, I lived in Pennsylvania, not Florida.

My later return to that address does not retroactively validate improper service.

I was deprived of due process because I never received notice of the lawsuit.

5. Ongoing Wage Garnishment Without Ever Receiving the Documents I am still being garnished today, even though I have never physically seen the documents Cavalry LLC claims to have served. The only evidence I have is from the court docket, which shows that confidential documents were submitted by Cavalry LLC documents that should have been provided to me, not to a third party.

FDCPA Violations : 809 ( b ) / 15 U.S.C. 1692g ( b ) prohibits continuing collection efforts if the consumer never received required validation.

808 ( 1 ) / 15 U.S.C. 1692f ( 1 ) prohibits collecting any amount not permitted by law, including garnishment based on an improperly obtained judgment.

6. Failure to Provide Proof of Address Validation Cavalry LLC has never provided documentation showing how they validated my address or why they believed it was appropriate to send my confidential information to someone else.

FDCPA Violations : 807 ( 10 ) / 15 U.S.C. 1692e ( 10 ) deceptive means to collect a debt.

809 ( a ) / 15 U.S.C. 1692g ( a ) failure to provide accurate notice.

Company response to consumer: Closed with explanation