I received a letter from Creditors Interchange stating that I owned $9,543.37 from a Mastercard. The debt was from Cavalry Portfolio Services, who Mr. Tony Little an employee of Creditors Interchange claimed purchased it from the Former Chemical Bank.
At this time, I should mention that my wife made the initial call after having to call national 411 to get the telephone number. Mr. Little was very rude and disrespectful to my wife so I took over the call.
I informed Mr. Little that I never had a Mastercard from Chemical Bank and could he provide me with additional information concerning the debt. Mr. Little started reading information from my credit report which had nothing to do with the debt.
When I told him that I had not given him permission to access my credit report and it was against the law for him to do so, he replied that it was against the law for me to breach the contract I signed for the credit card that I never had.
After a few more minutes of Mr. Little and me arguing about him accessing my credit report, he put our conversation on hold.
When I was removed from hold, Mr Lymon Mitchell, the supervisor was on the line with me. He said that he could help me because his client (Cavalry Portfolio Services) was about to sue me for the outstanding debt. The only information I was able to retrieve from Mr. Mitchell concerning the debt, is that the last activity shown on the card was March, 1995.
My wife and I never received any letters or bills from Cavalry Portfolio Services in ten (10) years, until today when we received a letter in the mail from Creditors Interchange stating they are the representatives for Cavalry Portfolios.
Mr. Mitchell said if I could send $5,000.00 then the debt would be taken care of. I told him that I still need information and proper verification from Cavalry about this debt, like what was the date of issue for the credit card. He said he did not have the information and if I contacted Cavalry Portfolio Services, they would only refer me back to him. Although, Mr. Mitchell was not rude, he was threatening to sue me for the money and said I had no other choice but to pay the outstanding debt.
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