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 34
2018-08-27
Euclid, OH
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: On countless times I have asked for validation for this collection account on my credit report. The letter/information that I asked of the collection agency goes as follows : 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.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. 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.
I have gotten nothing back! This is a big inconvenience and I will be starting a law suit if I can not get any satisfaction from this complaint.
Company Response: Closed with explanation
2018-08-26
Grosse Ile, MI
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: I owed an amount much less that what this company is saying which is XXXX XXXX AND NOW THEY HAVE A THIRD PARTY ON ME XXXX XXXX SENDING ME LETTERS AN CALLING BACK TO BACK. They have added alot of extra interest Plus money onto my last bill .please guide me in what to do Now. Ty
Company Response: Closed with non-monetary relief
2018-08-26
Jacksonville, FL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: Currently a collection with a significant balance was reported on my credit file. I have not received any notification from this collection agency informing me of what this debt is or where it originated from.
Company Response: Closed with explanation
2018-08-25
PA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: In XXXX of 2018, I filed a dispute with XXXX about XXXX XXXX XXXX, to either verify the alleged debt owed, or remove it from my credit report, which they have made no attempt to verify the debt, as pursuiant to the Fair Debt Collection Practices Act, and as such, from my understanding, it is to be removed from my credit report.
Company Response: Closed with non-monetary relief
2018-08-25
Arsenal, PA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I do not have XXXX nor have I ever had XXXX. I disputed {$530.00} this many times but never received proof this is mine. I did receive notice that this was deleted on XX/XX/2017. I have sent the notices. Please help me fix this so i may obtain my correct credit score.
Company Response: Closed with non-monetary relief
2018-08-24
Southgate, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-24
Auburn, AL
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
2018-08-24
Belleville, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-23
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: This account is for identity theft or maybe they are confusing my name I need if they can help me and I write to the credit bureaus they talk to me but they did not want to help me
Company Response: Closed with explanation
2018-08-22
Rialto, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2018-08-21
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with non-monetary relief
2018-08-21
Newnan, GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
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
2018-08-20
Kalamazoo, MI
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-08-18
Scottsbluff, NE
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief
2018-08-16
Oxford, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.
Company Response: Closed with non-monetary relief
2018-08-16
Elkhart, IN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2018-08-15
Huntingtn Bch, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with non-monetary relief
2018-08-15
PA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.
Company Response: Closed with non-monetary relief
2018-08-14
TN
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 XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.
Company Response: Closed with non-monetary relief
2018-08-14
Detroit, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with non-monetary relief
2018-08-14
Chicago, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: XX/XX/2018 and XX/XX/2018 Account Amount : {$1100.00} XXXX XXXX XXXX, XXXX. reported account onto my credit report which I requested proof of documentation bearing my signature. the company haven't provided me with this document which is a violation of the FCRA.
Company Response: Closed with non-monetary relief
2018-08-14
Puyallup, WA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-08-13
Greenfield Manor, PA
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.
Company Response: Closed with non-monetary relief
2018-08-13
Washington, DC
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief
2018-08-13
Atl, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief