Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, the attorneys representing Cavalry SPV I , LLC, for misrepresenting debt details, failing to validate the alleged debt, and engaging in unfair collection practices in violation of the Fair Debt Collection Practices Act ( XXXX  ) and Georgia consumer protection laws. 

Failure to XXXX XXXX as Required by XXXX ( XXXX XXXX. XXXX ) : I have repeatedly requested a full validation of the debt beginning XX/XX/XXXX, but the agency provided an incomplete response missing critical documentation. 
Initially, on XX/XX/XXXX, they emailed a balance due letter instead of an itemized breakdown of the amount due or a debt validation letter as I had requested. 
On XX/XX/XXXX, after multiple calls requesting more information, I finally received what they would call a debt validation packet. But it did provide any of the specifically requested information such as : A complete Bill of Sale proving my account was included in the debt purchase and bought from the original creditor ( they sent a redacted bulk sale statement ). 
A full itemized breakdown of how the balance increased from {$4900.00} in XX/XX/XXXX to {$7400.00} post-judgment despite no additional charges being made. 
Proof that XXXX XXXX XXXX XXXX XXXX is legally authorized to collect on behalf of Cavalry SPV I , LLC. 

Incorrect & Inflated Balance Reporting : The agency has provided multiple conflicting balance statements each time I have talked to them, and when I requested a breakdown, I refused a clear explanation of how interest and fees were applied, other than their illegal claims that I'm accruing 11.5 % daily interest. 

False Claim of an Active Garnishment ( Violation of XXXX XXXX. XXXX ( XXXX ) ) : XXXX XXXX XXXX XXXX XXXX has repeatedly claimed that my wages are currently being garnished, even though I obtained a court record confirming the garnishment was dismissed in XX/XX/XXXX, just days after it was put in place. When I provided proof of the dismissal, they refused to acknowledge it and continued to claim garnishment was active, even going on to state that it was in XXXX XXXX than I was originally told, which proved to also be untrue. 

Failure to Update XXXX XXXX ( XXXX. XXXX ) : Since the garnishment was dismissed, they are legally required to update the court records to reflect this. Instead, they continue to falsely represent that the garnishment exists in communications with me. 

Fraudulent Interest Rate Application ( Violation of XXXX. XXXX ( a ) ( XXXX ) ( A ) ) : XXXX XXXX XXXX XXXX claimed, on multiple occasions, that my debt is accruing 11.5 % interest per day even though Georgia XXXX states that post-judgment interest must be calculated annually at the prime rate + 3 % not daily. This incorrect calculation has artificially inflated the amount they claim I owe, and they refuse to correct it or explain it further. 

Deceptive Collection Tactics & Violation of Georgia XXXX XXXX Practices XXXX ( XXXX. XXXX ) : They have repeatedly pressured me to provide personal banking information under the pretense that I must do so to make payments. They attached a lien ( Writ of XXXX XXXX ) to my home based on an improperly calculated judgment balance. They refuse to provide a legally required itemized breakdown of fees, charges, and post-charge-off interest calculations. They've now started to keep making me wait to speak with a supervisor as they have apparently notated my account to XXXX XXXX that no agent will discuss my account with me, but the supervisor never calls. I was trying to quickly resolve this matter nearly a month ago, and they refuse to provide me with correct information, refuse to offer a settlement amount or allow me to reasonable negotiate the debt, and will not discuss resolution options without obtaining my bank information.

Company response to consumer: Closed with explanation