CL HOLDINGS LLC

2018-02-14

Musk, OK

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-02-14

Ridley Park, PA

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from XXXX XXXX saying it was been transferred to XXXX XXXX XXXX. XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. XXXX XXXX bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-14

San Antonio, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a debt of {$660.00} to the credit bureaus. This debt originated from XXXX XXXX. I never received ANY form of communication from XXXX XXXX about attempting to collect this debt. I called them today XX/XX/XXXX to resolve the matter. I waited this long hoping would receive some form of communication. When I contacted them, they tyold me my case was being handled by another agency. So they NEVER contacted me, reported it to the credit bureau and sent it to someone else. I contacted that company : XXXX XXXX XXXX. They were very helpful in letting me know I could pay in full or pay half to settle. I wanted it removed from my credit report since I was NOT contacted AT ALL. They informed that only XXXX XXXX could remove it. I called XXXX back and they said NO. They told me they do not have to contact me at all and they can report it at any time. This gave me no opportunity to resolve the matter before it going on my credit report.
Company Response: Closed with explanation

Timely Response

2018-02-13

DE

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/XXXX, I received a COLLECTION NOTICE from XXXX XXXX XXXX XXXX. showing a balance due of {$170000.00} ( pdf attached ), which included a letter address directly to me alone. This document showed the " Current Creditor '' as XXXX XXXX XXXX XXXX XXXX and the " Debt Description '' as XXXX XXXX. The communication also notes that satisfying this debt would put an end to " calls and letters attempting to collect on this account. '' However, I had never received any previous communication regarding any such debt - by mail or by telephone. I found this quite odd since we had made a permanent move from one state to another just over a year ago. I also found it odd that a debt in that amount would be in my name alone since I have been married for over 40 years and all large debts have been in both my name and that of my spouse. Before seeing the debt description, I contacted XXXX XXXX XXXX in XXXX thinking this debt might have been associated with a medical procedure. I was informed that the hospital did not trade as XXXX XXXX XXXX XXXX XXXX and no debt or collection notice was issued by them. It was then that I noticed the debt description and became concerned that this " Notice '' might be a scam since it showed an energy company. I remember years ago that energy companies were overtaking personal accounts without permission from the owners. To further add to my skepticism, this Notice offered a savings of {$1100.00} since " Our client has agreed to accept 9 monthly payments of {$68.00} as a full and final resolution to this account! '' These payments would total {$610.00}. It also offered a savings of {$1200.00} if I - " Set up a one-time payment of {$510.00} to resolve your account in full ... '' I contacted the telephone number shown on the Notice requesting more information about this collection. I spoke with their representative, XXXX. She proceeded to ask for personal information that should have been associated with any debt incurred and I refused to comply. She said without that information she could not provide me any details. I then told her that I would be contacting our attorney, which I did. The back of the Notice stated that I could send a written notice to XXXX XXXX XXXX XXXX. within 30 days of receipt to dispute the validity of the debt or any portion thereof. It also stated that " ... this office will obtain a verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' The attorney, who also believed this could be a scam, advised that I write this letter to dispute. I wrote my letter ( pdf attached ) on XX/XX/XXXX including a copy of the Notice and mailed it Certified Mail Receipt on the same day. My certified receipt shows a signature of receipt ( XXXX - last name undecipherable ) on XX/XX/XXXX. On XX/XX/XXXX, I received a letter ( pdf attached ) in response from XXXX XXXX XXXX ( no salutation ), which reads : " Please be advised we represent the above client, XXXX XXXX XXXX XXXX XXXX, who is the owner of your account referenced above. We are in receipt of your request regarding this account. This letter is to serve as notification that we are returning this account back to our client and there will be no further communication from XXXX XXXX XXXX XXXX regarding this matter. '' Both this letter and the original Collection Notice were signed by XXXX XXXX Operations Manager XXXX - the instructions on the back of this letter read much the same as those on the back of the Collection Notice. I would like to know why XXXX XXXX, XXXX did not send me a copy of the verification of the debt or a copy of the judgment associated with this debt as they claimed they would when I requested same in writing. I want the documentation regarding this debt so that I can get this issue resolved because I know this is NOT my debt. I can not assume that this debt is no longer associated with my name and current address if I do not receive this in writing from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. I do not want this debt that I did not incur to show up again on a collection notice or worse in my future. This issue has not been resolved to my satisfaction by XXXX XXXX XXXX XXXX or as promised by their Notice To All Customers. I did not sent a second letter to date regarding the original creditor vs current creditor, mainly because XXXX XXXX XXXX XXXX did not follow through by sending a copy of the debt verification or a copy of the judgment in response to my first letter as their " Notice To All Customers '' claims they would, and I have no confidence that they would follow through to send me the name and address of the original creditor even if different from the current creditor. I know that this debt is not mine, but knowing it and having verification that this debt is no longer associated with my name and address are two different things. I would hope that I will not hear another word about this claimed {$170000.00} debt that somehow became associated with my name, but would like some sort of written verification from whoever initiated this collection that I am not responsible for any portion of this debt. I am also concerned that this may be a scam directed at the elderly, and could very well play out as a scare tactic to force others to pay the lesser amount in order to satisfy a debt they may never have incurred, but are afraid that they may have forgotten about.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-13

Bellaire, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Original account was XXXX XXXX/XXXX. Acct No XXXX. XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-02-13

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

Gr, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: For several months now I have tried to have XXXX XXXX XXXX confirm with me that there was a signed contract for two debts they claim I have. They will delete and/or close the accounts for a short time only to open it again with a different start date each time. One debt is for {$1200.00} and the other is {$570.00}. Each time they remove and replace it into collection it damages my credit more and more. I do not believe I am responsible for these debts as I have not been shown proof I signed a contract with them for these said debts and they came out of nowhere without a fare warning or a letter.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

Birmingham, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX - says I owe {$1700.00} for a XXXX XXXX bill. I previously disputed this and it was removed from my credit. It was reinserted with a new date of XX/XX/2017 versus the previous date which was years ago. This is not my debt, and I have received XXXX information ( written or otherwise ) about the debt.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-10

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof that : 1. your offer is not to, threaten and deceive consumer, to collect a debt that you know, or should have known, is inaccurate or can not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. 2. your offer is not an illegal and obnoxious debt collection practice. 3. your agency can file any lawsuit against consumer without having the intent to prove the debt. 4. your agencys practices does not violate the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform, and Consumer Protection Act. I conditionally accept your offer, as mentioned above, upon verifiable : 5. proof of balances, interest rates, and payment due dates. 6. proof of accounting and transactions. 7. proof that your agency conducted any investigation to determine whether the debt is accurate and enforceable. 8. proof that the debt is owed and accurate. 9. proof of legal documents to prove that you are legally authorized to collect. 10. proof of a signed contract showing the terms about the debt. 11. proof of WHO owns the debt/or has been assigned the debt. 12. proof of a copy of a True Bill in Commerce. 13. proof of a complete payment history, starting with the original creditor. 14. proof of a Certified and True Copy of the original signed agreement or application. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. If your agency attempts to collect on debts by suing consumer in court, please take notice that the consumer will file this CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM. Your agency must provide refunds where it collected payments by misrepresenting that it could sue on a time-barred debt or by misrepresenting in court that a debt was assumed valid because the consumer did not previously dispute it. Your agency must provide refunds where it collected payments by misrepresenting that an attorney has reviewed a debt or that collectors were calling on behalf of attorneys, and where it collected payments on judgments that it should not have obtained because they were barred by the statute of limitations from suing to collect the debt. Your agency must release or move to vacate any judgments and dismiss any lawsuits where it misrepresent that a debt is assumed valid, and stop any attempts to enforce or collect on said judgments. Your agency must release or move to vacate any judgments and dismiss any pending lawsuits it filed past the statute of limitations and stop any attempts to enforce or collect on said judgments. No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded " Should you consider my position in error... '' NOTICE IS HERE BY GIVEN, this document stands under the doctrine of qui tacet consentire videtur, " he who is silent is taken to agree, silence implies/means consent ''. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, created this Summary judgment and this shall become a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-10

Carol Stream, IL

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

Timely Response

2018-02-09

Pinellas Park, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: They purchased debt that was over 7 years and and already taken off my credit report. They are putting it on my credit as if it was new debt. They are trying to collect the funds for another 7 years.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Rochester, OH

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help. It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service. This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know. Thank you for your time and assistance. Sincerely,
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-02-07

Arsenal, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-07

Portland, OR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Received email notification on XX/XX/XXXX from XXXX XXXX that there was a change to my credit report. I checked the details and found a collection had been added to my credit report. The company is XXXX XXXX XXXX, out of XXXX. XXXX, MN. I called several times, the hours are limited to contact someone at their business. I wrote a letter and requested details because all the details I had on my credit report was " XXXX XXXX XXXX ''. I called XXXX received XXXX help ( see attachments, letter from XXXX ). I visited my local XXXX to try and investigate this issue, no records. They said they sent my debt to XXXX XXXX. I wrote a letter to the Attorney General of Minnesota with the details ( XXXX is a MN business ). I have attached all letters with the details. I called XXXX XXXX early this morning ( XX/XX/XXXX ) and finally got ahold of someone who could explain. I don't even have an account number ( XXXX ) I can refer to so this could be researched. Apparently Attorney General of Minnesota had reached out to XXXX XXXX XXXX to get details and got this moving along. According to the two individuals I spoke with at XXXX XXXX ( XXXX and XXXX ) today ( XX/XX/XXXX ) they are sending a manual request to the three bureaus to remove this from my credit report. That's great but in the meantime qualifying for a home equity loan has been denied because of this. Received no notification, no letter, no phone call, nothing to give me advance notice of this collection, XXXX just attached it to my credit report! My issue is now with XXXX because they either sold this alleged debt to XXXX XXXX or XXXX XXXX purchased " old '' debt from XXXX and attempted to collect their share. This was for {$85.00}!!! I have attached a letter from XXXX which is the most unhelpful piece of correspondence. XXXX needs to investigate this and remove me from their database. This alleged debt is for a debit card and the date was XX/XX/XXXX. I still do not have the details. Any help you can provide would be most helpful. In the meantime I am closing all of my XXXX credit card accounts ( zero balances by the way, have been excellent customer of XXXX ). The debit card was never used and don't understand why it would have a {$85.00} balance from XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-07

Dallas, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: To whom this may concern, XXXX XXXX reported my account with a balance of {$0.00} in XX/XX/XXXX. In the attachments provided you will see my last payment date of XX/XX/XXXX. XXXX XXXX is requesting that I provide more information than what has already been updated on my credit reporting. It is illegal for your company to obtain an account without having all of the information. In the next 30 days, I need to view my ORGINAL CONTRACT W/ A COPY OF MY SSN AND MY ID to prove ownership and not identity theft. Reason : Per my credit reporting account w/ XXXX XXXX has been closed sinceXX/XX/XXXX with the last payment being XX/XX/XXXX. I am also requesting my ENTIRE FILE that way your company can be provided all necessary information regarding my payments. If you are unaware of this information you would need to contact XXXX and update my reporting. I have no recollection of any business with XXXX and I would also like for you to prove that I owe XXXX. XX/XX/XXXX I do plan to take legal action thus you have already been provided proof showing debt is not valid and made of abuse of credit reporting. XXXX XXXX XXXX Last 4 : XXXX Previous information was submitted XX/XX/XXXX via email after sending correspondence week of XX/XX/XXXX via mail. ( XXXX previously advised they can not received proof via email only mail-stall tatic easy way for company to state they never received and or stall disputing process. ) Orginal disputed information contained snap shots showing XXXX XXXX XXXX balance XX/XX/XXXX last payment XX/XX/XXXX. When following up with XXXX to be sure receipt of information they stated they have received information and requested for me to send them further information such as contract/agreements made to resolve the balance. I then advised XXXX that since they purchased account they should have all information necessary regarding file and should not need me to send anything to verify. If they do not have information they have to go off of what was provided by their client and their client has provided them misinformation per credit reporting. I then sent the above information XX/XX/XXXX with attachments from credit karma showing balance has been resolved. Please help with this issue.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-07

Gary, IN

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

2018-02-07

Augusta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ). ( See Federal Trade Commission v. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case 1:08-CV-BBM-RGV, N.D. Ga. , 2008. ) As it pertains to my credit report, I do not have a contract or a written agreement with XXXX XXXX XXXX. They are unable to provide a contract binding me to an agreement and this account should be removed from all three of my credit reports immediately.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-05

Monroe, WI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX allow false information to be added to my profile without my being informed?
Company Response: Closed with non-monetary relief

Timely Response

2018-02-05

Asheville, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-02-04

NV

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: This account has been bounced to over four collection agencies since XXXX, this case has exceeded California statute of limitations and is trying to be collected against rules and regulations of debt collection policies. I have contacted bank way back in XXXX and explained that they charged me overdraft fees on an account that was closed. Please help with this matter thank you.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-03

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Have contacted XXXX XXXX the third party who purchased XXXX debt and delete number out of times. Sent XXXX my bankeupcty and have XXXX XXXX in my name.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-03

WI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-02

IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-02-02

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response