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 32
2018-10-02
SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit reports from a company called XXXX XXXX XXXX. I called and spoke to a customer service agent then I asked to speak with a supervisor. I spoke with a young lady by the name of XXXX XXXX. I explained to her that her company placed a collection on my reports that they alleged was placed with their company by XXXX XXXX. In order for the rep to look up my account she asked my name and SSC number. I told her that I would give her my name and last 4. I asked the rep what address they had. She said they had a XXXX XXXX address in XXXX SC I explained to the rep that her company claims this debt was placed with their agency on XX/XX/2018. I told her that I know the company was being deceitful because I was still disputing this fraudulent account with XXXX XXXX and the account was finally removed from my reports on XX/XX/2018, so XXXX could the account be placed with them in XX/XX/XXXX when XXXX still had it in XX/XX/XXXX and was communicating back and forth with me regarding the account, until it was finally removed due to fraud. I called XXXX and explained all this and they in turn informed me they did not place the account with anyone due to fraud and advised me to file a complaint and dispute the accounts with the credit bureaus. I informed them the address they have I have never lived at. I have never heard of this company, I never received any type of communication stating they were placing this fraudulent account on my reports. I may also sue this company for defamation and smearing my credit. This company is using illegal tactics to get consumers to pay collections that they can not validate and do not own
Company Response: Closed with non-monetary relief
2018-10-02
Lakeville, IN
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2018-10-01
Airmont, NY
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!
I request that XXXX XXXX verify the following information.
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from all CRAs.
XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. There was no prior knowledge of debt until XXXX alerted me to it. No contact has ever been made.
Company Response: Closed with explanation
2018-10-01
OH
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: On XX/XX/2018 I spoke with XXXX XXXX XXXX in regards to a collection account they were handling for XXXX XXXX. The representative said they would accept {$220.00} as payment in full, I paid the {$220.00} over the phone and it has been taken from my account. They are still reporting that I owe the remaining balance of {$110.00} to all 3 credit bureaus and will not report this as paid in full.
Company Response: Closed with explanation
2018-10-01
Katy, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with non-monetary relief
2018-09-27
AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Company Response: Closed with non-monetary relief
2018-09-25
Harsens Is, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXX XXXX XXXX XXXX XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Company Response: Closed with non-monetary relief
2018-09-23
El Sobrante, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: This is not my account, I did not stay at this address at this time.
Company Response: Closed with non-monetary relief
2018-09-22
Alachua, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: On or about XX/XX/2018 I received my annual credit report from XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from XXXX XXXX XXXX ( partial acct # XXXX ) in the amount {$950.00}. On or about XX/XX/2018 I drafted a letter to XXXX demanding the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of XXXX XXXX. Said letter was send via facsimile to XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). I also contacted XXXX XXXX and demanded any contractual documentation from the original creditor. XXXX XXXX told me that no such documents exist and that they go by social security numbers to which I explained the lunacy of their explanation to the rep. On XX/XX/2018 I received an email from XXXX stating the dispute was completed and that I could get my results online. After many frustrating attempts to obtain the online results to no avail, I called XXXX on XX/XX/XXXX and was told that they are having problems with their system and gave me the results over the phone. XXXX deleted all of the items I requested in my XX/XX/XXXX letter except XXXX XXXX, which I was told came back verified. I told XXXX that was an impossibility because it is not my account so any verification is not accurate. The XXXX representative recommended re-disputing the XXXX XXXX account using their online dispute center. As XXXX XXXX online system was having issues, the representative filed the online dispute from their location, asking me a what basis of the dispute, which I again responded was not my account. On XX/XX/2018, a day after XXXX filed the online dispute, I received an email from XXXX stating the dispute was completed and to go online to get the results. A copy of said email is attached. True to form, after several failed attempts to retrieve the result information online, I called XXXX and received the same nonsense story about the system not working correctly, once again received the XXXX XXXX dispute result over the phone, and once again XXXX said it is verified. I explained to the XXXX rep that a proper investigation into a dispute can not be done with a 24 hour period as was done here where XXXX is obviously relying on XXXX information, which always favors the the collection agency, which is a client of XXXX, rather than the consumer. The rep said I should dispute the account with XXXX XXXX directly. I responded that it is not my responsibility to do what is deemed XXXX XXXX responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX would have to do is demand from XXXX XXXX any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can give them no supporting documentation as there is none to give.
Company Response: Closed with non-monetary relief
2018-09-20
Lynchburg, VA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2018-09-19
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with non-monetary relief
2018-09-19
Daytona Beach, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2018-09-18
Houston, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I was recently trying to get a loan for bills and couldnt do to my credit so I had gotten my credit score looked at and seen that I have XXXX XXXX on my debt saying the account was open XX/XX/XXXX thats around the time my belongings were lost in grey hound I am an victim of identity theft and recently got my items stolen from on XX/XX/XXXX I have gotten a police report for theft so now all my information is out there once agin including Id social security card debit cards I had to cancel and my check stubs with my job info The amount in debt owed is {$690.00} Current creditor : JEFFERSON CAPITAL SYSTEMS LLC
Company Response: Closed with non-monetary relief
2018-09-17
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 explanation
2018-09-17
Chicago, IL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: On XX/XX/2018 I noticed XXXX XXXX XXXX Report a balance of {$960.00} on my XXXX, XXXX, and XXXX credit file which I do not recall. I havent received anything from this company at all via phone, via postal service, or any contact method. This is harming my score I requested something bearing my signature from this company.
Company Response: Closed with non-monetary relief
2018-09-17
Republic, PA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with non-monetary relief
2018-09-17
Mc Farland, WI
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Company Response: Closed with explanation
2018-09-15
Everett, WA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I HAVE NO OUTSTANDING DEBT FOR XXXX. ON XX/XX/18. THIS DEBT IS NOT MINE. FRAUDULENT REPORTING
Company Response: Closed with non-monetary relief
2018-09-15
Onekama, MI
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: A Subsidiary to CL HOLDINGS LLC by the name of JXXXX XXXX XXXX , XXXX has placed a debt on my credit report. This report is inaccurate and I have attempted to contact XXXX XXXX XXXX for debt verification as they have never contacted me. They have never responded with information regarding this debt and have yet to remove this from my report. The account looks to be tied with XXXX XXXX. However, I have not had an account with XXXX XXXX since XXXX ( which I had closed with a balance of {$0.00} ). The report states this account was opened XX/XX/XXXX. XXXX XXXX XXXX seems reluctant to remove frivolous, unsubstantiated claims of debt and is damaging my credit without cause.
Company Response: Closed with explanation
2018-09-13
PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I had requested from XXXX XXXX to provide me with legal validation on the alleged claim that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX. I made this request in writing sent via certified mail return receipt to XXXX XXXX after discovering them on my credit report to this date I have received no response from the company and have never received a bill or statement my discovery of this company was on my credit report. XXXX states they have verified the debt I had request from XXXX the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed the account to which I have no account number for only a dollar amount of XXXX opened XX/XX/2018 with all three of the CRA XXXX and XXXX have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX credit file.
Company Response: Closed with explanation
2018-09-12
Kalispell, MT
Written notification about debt
Debt collection: Auto debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX and XXXX 's online systems to no avail.
Company Response: Closed with explanation
2018-09-12
South Florida, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law.
I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.
Company Response: Closed with non-monetary relief
2018-09-11
Sarasota, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Complaint: XXXX XXXX is reporting a debt for {$880.00} on my credit report. This debt was resolved with the original creditor years ago. I have notified XXXX XXXX of this fact, and also disputed the account with XXXX, XXXX, or XXXX XXXX. Unfortunately, XXXX XXXX does not allow the credit bureaus to delete or properly update the account.
Company Response: Closed with non-monetary relief
2018-09-10
AZ
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: I filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.
Company Response: Closed with non-monetary relief
2018-09-09
Lk Buena Vis, FL
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation