PFD Cavalry Portfolio

[chinarydr]

I have blasted Cavalry Portfolio executives emails with PFD offers on an account, and have persistently tried following up to no avail. Not to surprising by what I have read here about Cavalry. I did notice that before I sent PFD's that I was able to offer (if I chose to, but did not) a payment plan through their website, After I offered PFD I can no longer do this. It says this account is not eligible for the payment offer and I would have to speak with someone. I also noticed a note in my credit report under their debt tradeline " Account in dispute-reported by subscriber". Should I read that they could be doing a DV even though I didn't ask to at this point, or should I read nothing into it? This account is within a year or so of dropping off report anyways. I was just hoping for a successful PFD, no problems with them. Any thoughts would be appreciated. 

[itgirl74]

I've never heard of Cavarly doing a PFD; however, if you send them a DV and they cannot provide documentation, they will likely remove it. That's what happened to me. I had read several of their responses to BBB complaints and found that it is their internal policy to respond to DVs even if they are not timely. I sent mine, waited more than 60 days during which time I got an acknowledgment letter and than a stall tactic letter, and then submitted a BBB complaint when they did not send validation. The collection was gone from my reports within about 10 days.

It is possible that they read your PFD as a dispute, particularly if you used one of the samples from this forum that has the word "dispute" in the first paragraph. It seems like some collection agencies and creditors take every bit of communication about their credit reporting as a dispute. I sent Capital One a question - seriously, just a question, no request of any kind for a change - via online messaging, and they added dispute comments to my credit report.

[NY2014]

Hello Calvary uses this excuse to report to CRA, I contacted Calvary regarding to look into a debt to verify because they had a different account info no info regarding my Address name, they call it the Metro 2 system I challenge there ethics,first verify with Credit agency they so called put in a dispute in consumers request . Here's the deal. If one dispute.a collection agency is allowed to open into consumers report in this case a Debt buyer update report, change and notify the original creditor which makes it a frivolous dispute due to you contacted them and validated the debt is yours. So the question is why would they offer a PFD.? If you you sent a DV letter and they did not respond (" thank you RobertG for your help" ) and file a compliant.first make sure the DV did not trigger or mistaken as a dispute.

Good luck.

[chinarydr]

Hello

Never sent DV. I kind of jumped the gun with offering a PFD first. I also noticed yesterday these guys are reporting this  (a charge off account) as "KD" every month for last year and a half!

[tempusfugit123]

I too am dealing with this debt collector and was just about to send a PFD letter. I'll hae to keep following this thread and see how things go

[chinarydr]

I have tried for months with PFD's to avail. Filed complaint today against them for their reporting.

[DestinyV]

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@chinarydr wrote:

I have blasted Cavalry Portfolio executives emails with PFD offers on an account, and have persistently tried following up to no avail. Not to surprising by what I have read here about Cavalry. I did notice that before I sent PFD's that I was able to offer (if I chose to, but did not) a payment plan through their website, After I offered PFD I can no longer do this. It says this account is not eligible for the payment offer and I would have to speak with someone. I also noticed a note in my credit report under their debt tradeline " Account in dispute-reported by subscriber". Should I read that they could be doing a DV even though I didn't ask to at this point, or should I read nothing into it? This account is within a year or so of dropping off report anyways. I was just hoping for a successful PFD, no problems with them. Any thoughts would be appreciated. 

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I did a DV with these "People" over 2 years ago, took them about 3 months to get back to me. It was for an old auto loan from my young and dumb days. They gave me a VERY generic response. I tried to set something up, they asked for more money than the loan was at the time I had it. Like 200+ more. Uh yea, definitely not going to happen. I did the bad thing, IGNORED. Well, they decided to take me to court. I hired a lawyer, went 3 times and I won. They're taking their sweet time taking everything off my report, listed as due to be deleted in July (we went to court in April). I would go back and forth with them, but honestly waiting 2 weeks after dealing with them for almost 3 years isn't that bad. They're a pain in the butt, and extremely difficult to work with. Good luck, sorry I couldn't really give advice, just my personal experience.

[chinarydr]

Thanks. Your experience seems to be about par from what I have read about these guys. uggg. Thanks!

[NY2014]

Sent PM Hope this helps

[NY2014]

Sent you on hope this will help