Debt collection -- Took or threatened to take negative or legal action -- Complaint #7627209
Complaint Overview
Complaint ID: 7627209
Company: Cavalry Investments, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: North Dakota
ZIP Code: 58104
Date Received: 2023-09-30T12:00:00-05:00
Date Sent to Company: 2023-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Cavalry SPV I , LLC a debt collector that has been engaged in troubling and unlawful practices in their attempts to collect an alleged debt in the sum of {$2100.00} from me. I have experienced multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), and I believe it is crucial to bring these issues to your attention. 1. Lack of Validation : I have sent them several validation of debt letters requesting them to validate the debt but Cavalry SPV I , LLC has failed to provide me with proper validation of the debt as required by the FDCPA. Despite my numerous requests, they have not provided any documentation or evidence that validates the existence and legitimacy of the alleged debt. Instead, they have repeatedly sent account statements without supporting documentation. The balance of the debt is incorrect. 2. Absence of Original Documentation : I have specifically requested that Cavalry SPV I , LLC provide me with the original contract or agreement containing my signature, which is essential for me to assess the accuracy and validity of the debt. They have refused to furnish this documentation. 3. Threats of Legal Action : Cavalry SPV I , LLC has also made threats of legal action against me, including the threat of filing a lawsuit, without first providing the necessary validation of the debt or the required documentation. These actions by Cavalry SPV I , LLC not only constitute violations of the FDCPA but also create undue stress and XXXX for me as a consumer.
Frequently Asked Questions
What is Complaint #7627209 about?
Complaint #7627209 was filed against Cavalry Investments, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-09-30T12:00:00-05:00.
How did Cavalry Investments, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cavalry Investments, LLC?
Yes, visit the Cavalry Investments, LLC company profile at readthecomplaint.com/company/cavalry-investments-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.