CL HOLDINGS LLC

2019-10-21

Vista Del Lago, PR

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-19

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-10-19

Park Forest, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-18

Dania, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-17

Mill Creek, IN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have contacted Jefferson Capital Systems , LLC to try to negotiate a reasonable settlement plan, explaining that I can not afford to pay more than {$25.00} to {$50.00} per month considering a death in the family and prior to the passing of that family member, I was caring for that family member 's long and progressive illness from two years prior. I have also had other problems in the mean time, including loosing my health insurance and paying off other debts. They did not want to stop any collection actions until I plan to make a payment plan with them. They wanted me to come up with {$100.00} within 7 days and for a month there after. They don't seem to care about my situation. I will also file a complaint with the FTC.
Company Response: Closed with explanation

Timely Response

2019-10-17

Dannelly, AL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I RECEIVED AN ALERT THAT THIS COMPANY HAD ADDED THEMSELVES TO Y CREDIT REPORTS. I DON'T HAVE A CLUE AS TO WHO THEY ARE OR WHY THEY ARE TRYING TO SCAM ME OUT OF OVER A THOUSAND DOLLARS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THEM. I DISPUTED WITH THE CREDIT COMPANY THINKING THAT WOULD FORCE THEM TO SEND ME SOMETHING IN THE MAIL TO EXPLAIN THIS DEBT AND THEY HAVE NOT. I CONTACTED THIS COMPANY AND GAVE THEM MY INFORMATION ( SOCIAL SECURITY NUMBER ) AND THEY COULD NOT PULL ANYTHING UP. NOT EVEN THE AUTOMATED SYSTEM COULD PULL UP ANYTHING VIA MY SOCIAL SECURITY NUMBER. THESE FOLKS TRANSFERRED MY 3 TIMES AND WAS GOING TO TRANSFER ME A FOURTH TIME UNTIL I REFUSED TO. THEM XXXX OR WHATEVER HIS NAME WAS TOLD ME THAT IT WAS POSSIBLE THAT XXXX WOULD NOT KNOW ANYTHING ABOUT THIS ACCOUNT. BUT IT IS SUPPOSE TO BE A XXXX XXXX THAT THE ARE COLLECTING FOR I DON'T KNOW WHAT KIND OF OVERSEAS SCAM ARTIST THESE PEOPLE ARE BUT IT'S DISGUSTING.THIS COPANY NEEDS TO BE INVESTIGATED. ASAP.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-17

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Timely Response

2019-10-15

Miami, FL

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-15

Miami, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-15

Magnolia, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: On the morning of XX/XX/2019, I was startled and approached by a process server, who was standing near my door when I opened it. She informed me that I was being sued, and after briefly reviewing the formal legal pleading, I signed it and she left. After receiving the pleading, I reviewed it in its entirety and it seems that Jefferson Capital Systems, LLC., was suing me for a debt that I had absolutely no knowledge of. Jefferson Capital Systems , LLC, is not listed on any of my credit reports and the company they purportedly represent is showing a zero balance on my credit report. However, Jefferson Capital Systems , LLC, is suing me for {$2400.00}. Jefferson Capital Systems , LLC, seems to have completely disregarded the federal law of the Fair Debt Collection Practices Act [ Title 15, USC 1692f, 809 ( d ) ], which says communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). This was, in fact, my initial communication with Jefferson Capital Systems , LLC. According to Title 15, USC 1692f, 809 ( a ), of the Fair Debt Collections Practices Act, I should have been given written notice, and an opportunity to identify, investigate and validate this debt, before being served with a legal proceeding. However, Jefferson Capital Systems , LLC, made a conscious decision to disregard Title 15, USC 1692f, 809 ( a, b and c ) of the federal law and have me served, thereby taking away my right to challenge the validity of the debt. Additionally, the address documented for the defendant on the formal pleading is completely inaccurate and is not an address in XXXX XXXX, which is where I reside. The address documented, is, in fact, a XXXX XXXX address. I had 14 days to file an answer, in which I did and our initial hearing was heard on XX/XX/2019, and is still pending the outcome of an investigation. I also reached out to Jefferson Capital Systems , LLC, and was informed by one of their representatives that written notice was mailed to me, at the address on the legal proceedings, which is not my address, nor has it ever been. I presently have an active account ( with a small balance 17 % ) with the company in question and have previously had another account with them, that is now closed and was paid in full. Im also reaching out to the company ( XXXX ) to request detailed records of any/all transactions associated with the account in question, which is presently showing a zero balance on my credit report. Im also a victim of ID theft. My name is presently a part of the XXXX Data Breach, XXXX XXXX Security Incident, checks, other credit cards, along with the thousands of dollars being taken from the IRS in my name. The IRS finally cleared me, after a nearly year-long comprehensive investigation. I have police reports, an FTC file #, along with other pertinent documents from years of dealing with this matter.
Company Response: Closed with explanation

Timely Response

2019-10-15

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: XXXX XXXX is the company that says I owe XXXX. There are multiple phones on this account that is not mine. There were calls to the XXXX XXXX XXXX and new york. I live in XXXX. Illinois and dont have any relatives, family or friends here. I disputed with XXXX before and they transferred it to Jefferson capital collection agency. I managed to get my credit straight and they have brought it down to XXXX. This is really heartbreaking. Please get them to delete this.
Company Response: Closed with explanation

Timely Response

2019-10-15

Miami, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-15

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-15

W Bloomfield, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2019-10-14

Carolina, PR

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

Timely Response

2019-10-13

IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: In XX/XX/2014, XXXX claims that I called them and accepted financial responsibility for a specific phone line, the person who placed the call had personal information about me. XXXX began sending bills to an old address of mine. Not one single call was ever placed from the billed phone line. The account went into collections in XXXX of 2014, with the collections appearing on my credit report. Numerous calls to XXXX denying that I made that acceptance call with a request for proof of a contract with my signature on it or the phone number that the call was placed from ( surely XXXX has caller ID and is aware of who made the acceptance call ) went unanswered. XXXX 's fraud department has repeatedly insisted that it was me that made the call, although they refuse to disclose the phone number it was placed from, or the fact that an old address was given that I could prove with a change of address form from the US Postal Service, or to provide me with proof of the phone call ( all calls are recorded for legal reasons ). XXXX continues to harass me with this collection, erroneously extending the date of first collection, affecting my credit score and numerous financial transactions. I will NOT pay a debt to XXXX that I don't owe, and I'm sure if this has happened to me, it's happened to others, but I'm not in a position to hire an attorney to resolve this issue and XXXX, so far, has refused to discuss the issue with me.
Company Response: Closed with explanation

Timely Response

2019-10-12

WV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: This service was cancelled when I changed companies. The account was cancelled due to poor service in my area.
Company Response: Closed with explanation

Timely Response

2019-10-12

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-10-12

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-10-12

Dickinson, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-10-10

Detroit, MI

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-10

Rialto, CA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-10

Bartlett, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-10

Heidelberg, MN

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-08

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response