CL HOLDINGS LLC
Consumer Complaints
There are over 2318 complaints on file for CL HOLDINGS LLC. Dated between 2019-12-10 and 2013-07-26.
Complaints Page 28
2018-12-07
Euclid, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have repeatedly tried to fix this problem with XXXX XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received none of the information I requested.
Company Response: Closed with non-monetary relief
2018-12-07
Euclid, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have repeatedly tried to fix this problem with XXXX XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received none of the information I requested.
Company Response: Closed with non-monetary relief
2018-12-06
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Company Response: Closed with explanation
2018-12-06
Crystal Lakes, MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with non-monetary relief
2018-12-05
Euclid, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have repeatedly tried to fix this problem with XXXX XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received non of the information I requested.
Company Response: Closed with non-monetary relief
2018-12-04
SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have a collection on my credit report from a collection agency called XXXX XXXX XXXX. I disputed the account with the credit bureaus and I was informed by XXXX to also file a complaint. XXXX stated to me, to file the complaint when I told them I have 2 collection agencies on my report who claim they are collecting for them. I was advised to file a complaint and dispute with the credit bureaus because they did not send or assign anything in my name to a collection agency. I actually have two collections on my credit reports who claim they are collecting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. I am filing complaints on both companies bc they are illegally attempting to collect on debts they clearly do not own. How is it possible for 2 collection agencies to be trying to collect on the same debt?? XXXX XXXX did not assign the debts. They have yet to properly validate the debt according to the FDCRA. Please remove this bogus collection from my reports and I will not hesitate to take legal action.
Company Response: Closed with non-monetary relief
2018-12-03
Traver, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: XXXX XXXX XXXX IS NOT MY ACCOUNT ACCOUNT NUMBER XXXX THEY ALREADY DELETED OFF XXXX AND XXXX. IM JUST WAITING FOR XXXX
Company Response: Closed with non-monetary relief
2018-12-02
OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN has violated the FCRA by filing a collection notice on my credit report without notice. The debt is for a XXXX account. I have never had a XXXX account. XXXX claims to have done an investigation but they would have had evidence of the XXXX credit check if I had ever had an account. So they didn't actually investigate at all outside of asking the collection company if I owed the money. How am I supposed to prove to them I've never had a XXXX account. I don't have documentation of something I've never had
Company Response: Closed with non-monetary relief
2018-12-02
Dolton, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2018-11-30
Crotonville, NY
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2018-11-30
Washington, DC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX appeared on my credit report attempting to collect {$140.00} dollars from me. The account states it was from " XXXX XXXX ''. I had received no paperwork or notifications of this debt. And was never given an opportunity to dispute it. I filed a dispute with all 3 major credit bureaus, 1 of which has cleared it from my credit report. I wanted to file a complaint to get this false collection removed.
Company Response: Closed with non-monetary relief
2018-11-30
Columbus, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I received a letter from a XXXX XXXX XXXX , XXXX. saying that I owe them {$14000.00} on behalf of XXXX XXXX XXXX. As Ive already explained umpteen times to XXXX XXXX, the charges that make up this balance ARE NOT MINE!!! I will not pay a XXXX of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
Company Response: Closed with non-monetary relief
2018-11-29
Mount Pleasant, SC
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: XXXX : Disputed {$430.00} XXXX debt goes to collection, reported as of XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, assigned to collect, reports debt new as of XX/XX/XXXX When I learned of the XXXX XXXX XXXX XXXX XXXX . collection, I began disputing the debt as to their date of reporting. Over the next two-plus years, they continued to report the debt as if it were started in XXXX.
The credit bureaus allow the collection companies to report the date that they receive the debt, to be the new, " placed for collection date ''. By changing the reported date, it makes a debt appear as if is brand new. The original date was to remain on the credit report as well. This has not been the case.
In my circumstance, it appears that XXXX XXXX may be using XXXX XXXX XXXX XXXX XXXX, as it's agent, to extend the SOL or force a settlement. Someone has found a work-around.
If each time a collection is resold, the " placed for collection '' date is changed, the credit report will take a substantial hit.
A debt in collection that is 3 years old, is now showing on your credit report as a new collection, dated last month.
After XXXX XXXX XXXX XXXX XXXX starting reporting the collection debt as if it were created three years after incurred, creditors began to decline loan applications. They were specific to the new collection. When I disputed the information, both the credit reporting agencies and the XXXX XXXX XXXX XXXX XXXX were adamant in keeping with the date.
Over the past two-plus years, I have been unable to refinance or obtain a loan at any rate less than 75 %. Credit card advances are the lowest interest of my loans, however, it tends to increase my total card useage. Still, I have maintained a 100 % payment history with all of my credit obligations.
My claim today is that, XXXX XXXX XXXX, XXXX, FRAUDULENTLY, " verified as accurate '', on multiple occassions, that they were the owner of the disputed debt, and during the period, THEY HAD IN FACT SOLD THE DEBT to another collection company.
XXXX XXXX XXXX XXXX XXXX does not own the debt.
I request that XXXX XXXX XXXX XXXX XXXX, and any and all information related to them, be removed from my credit history and, that any entity that was provided with my credit report information during the time that XXXX XXXX XXXX XXXX XXXX was not the debt owner, be notified of their fraud.
XXXX XXXX XXXX XXXX has owned the debt prior to XX/XX/XXXX, and was the owner during the last disputes.
Note : The current collection company, XXXX XXXX XXXX XXXX, has sent several " reduced balance opportunities '' that state, " Our client has advised us that they are willing to satisfy your account for ... ... % of your total balance to due to satisfy your past balance total ''. The offer amounts vary with a 40 % of account balance reduced balance of {$170.00} on XX/XX/XXXX and another with a 30 % of account balance reduced balance of {$130.00} on XX/XX/XXXX.
If this XXXX XXXX, XXXX does indeed own the debt, and the credit reporting agencies are to be relied upon, then this offer could never have even considered.
End Note.
Company Response: Closed with non-monetary relief
2018-11-29
Washington, DC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2018-11-28
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-11-28
Tarzana, CA
False statements or representation
Debt collection: I do not know
Impersonated attorney, law enforcement, or government official
Complaint: I HAD RECIVED A COLLECTION NOTICE DATED XX/XX/2018 FROM XXXX XXXX XXXX XXXX, FOR THE AMOUNT OF {$1200.00} AND IS OFFERING A HALF PRICE TO SETTLE WITH THEM.
I DO NOT RECONIZED SUCH OUTSTANDING DEBT.
WHEN I CALLED THE COLLECTOR, A LADY FROM XXXX PICK UP FROM THE OTHER END KNOWS MY NAME AND STARS TO ASK PERSONAL DATA FROM ME. AFTER I CONFRONTED HER I DO NOT RECOGNIZE SUCH ACCUSATION AND THAT I WILL ALSO MAKE A COMPLAINT TO FDCPA, THE LADY THEN CHANGE HER STORY AND JUST HUNG UP.
Company Response: Closed with non-monetary relief
2018-11-27
Ann Arbor, MI
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2018-11-27
Okc, OK
Communication tactics
Debt collection: Credit card debt
Used obscene, profane, or other abusive language
Complaint: Had an account with XXXX which was charged off during a financially down period shortly after my wife XXXX XXXX to our XXXX child and got behind. When attempted to get back ontrack was notified that the account was sold to XXXX XXXX XXXX. While attempting to get on top of my credit I contacted XXXX XXXX who referred me to a 4th party now XXXX XXXX with acct # XXXX XXXX who then acused me when calling them of running and hiding from this debt and that they would mark as a refusal when I asked for a commonly requested settlement for delete off my credit record. The fact that I contacted them to make payment assures I am not running and hiding from this debt and after asking for supervisor was treated even more rudely by him. Telling me he would contact his client who is not even the original creditor that I was refusing to pay since I was not paying until I had assurance of deletion before agreeing to settlement.
Company Response: Closed with non-monetary relief
2018-11-26
Marina Del Rey, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with non-monetary relief
2018-11-26
Vistas Del Atlantico, PR
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: This XXXX wireless dept of {$2300.00} is not mine, i live in Puerto Rico.Someone stoled my ldentiti. I have a bad credit because of this dept.its ruined my life.
Company Response: Closed with non-monetary relief
2018-11-24
Hammond, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with non-monetary relief
2018-11-23
Fred, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Complaint: I have a a unverified account from XXXX XXXX I have previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt and received no response twice. I also called and was told the would send paperwork and I have yet to receive anything 3 months later. I requested XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Company Response: Closed with non-monetary relief
2018-11-22
Atl, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief
2018-11-21
Miami, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2018-11-20
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation