CL HOLDINGS LLC

2017-07-16

Glendale, WI

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

2017-07-16

El Paso, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-16

Una, SC

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with non-monetary relief

Timely Response

2017-07-14

Bozeman, MT

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Was served court papers from " Jefferson Capital Systems , LLC saying I owed them money. I wrote to the company XXXX XXXX , 2017 and asked for verification, the name of original debtor, and amount of original debt. Then on XXXX XXXX , 2017 they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On XXXX XXXX , 2017 they sent me another letter saying I owed " Jefferson Capital System LLC, again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by XXXX XXXX that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
Company Response: Closed with non-monetary relief

Timely Response

2017-07-14

MA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
Company Response: Closed with non-monetary relief

Timely Response

2017-07-13

Indianapolis, IN

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago
Company Response: Closed with explanation

Timely Response

2017-07-13

Shulerville, SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " 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. '' I also told them that this was " 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. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017
Company Response: Closed with explanation

Timely Response

2017-07-12

Hamburg, MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. <P/>Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/>Thanking you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-07-11

Hopewell, VA

Communication tactics

Debt collection: Payday loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-07-11

Virginia Bch, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2017-07-10

PA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: I had no knowledge that my account was in collections or that your company have sold my account to another company for collections .. plus the damage is on my credit report already .. Name : XXXX XXXX Account Number : XXXX Your account was sold to Jefferson Capital. To make a payment or if you have account balance questions you will need to contact Jefferson Capital at XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Company Response: Closed with explanation

Timely Response

2017-07-09

Cleveland, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I disputed this Jefferson capital system account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. <P/> Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt. 2. The signed agreement from the debtor confirming to pay the debt. 3. The documents regarding the payments made on this account and validation of the amount. <P/> Jefferson capital failed to validate this account. This account need to be removed immediately. Jefferson capital system is violating the laws.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-09

Gary, IN

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-07-09

South Florida, FL

Written notification about debt

Debt collection: Auto debt

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

Timely Response

2017-07-07

Georgetown, KY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-07-07

Centralia, WA

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 explanation

Timely Response

2017-07-07

Colo Spgs, CO

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: When I was XXXX ( roughly XXXX years ago ) I opened a {$500.00} limit credit card with XXXX XXXX. I did not close out the account. The debt was sold to a debt acquisition company and sold again to a similar company ( Jefferson Capital Systems LLC ). This company waited until XXXX to enter the judgment against me and used " gutter service '' tactics so I had no idea I was being sued and I had no idea that court date was taking place and I was unable to represent myself. When the judgment was entered in XXXX of XXXX the debt had increased from the original {$500.00} amount credited to {$4500.00}. Jefferson Capital Systems LLC then waited until XXXX of XXXX to begin garnishing my wages. In the four years that passed ( XXXX ) the debt sky rocketed to an unrecognizable amount of {$10000.00}. Yes, a {$500.00} limit credit card turned into a {$10000.00} debt that continues to grow because it still collects interest. I am a single father that works 40+ hours a week and I am XXXX XXXX to try and move vertically in my company to create a better life for my child. I 've already paid over {$7000.00} via garnishment and I still have over {$6000.00} more to pay. This is obnoxious and unreasonable and unfair practices. I have been trying to defend myself but all my motions have been denied. My latest motion cited the federal trade commission to see copies of the original credit agreement and the documents I need to confirm the principal amount and confirm the debt amount was denied. Is there anything I can do to seek justice or will I continue to have the life sucked out of me for a debt that has been paid off 10 fold already?
Company Response: Closed with explanation

Timely Response

2017-07-06

New Hamburg, NY

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2017-07-05

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Collection Company ( Jefferson Capital Sy ) has placed a collection on my credit on XX/XX/XXXX,2017 for a XXXX XXXX Bill of {$1000.00} on my account. I never had an account with XXXX and I believe this charge was due to some fraudulent account was created by an importer.Last year another company placed the same ( XXXX Bill ) and I immediately notified them about the fraudulent charge and they were able to remove it from my credit.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-03

Cotati, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-07-02

Discovery Bay, CA

Incorrect information on your report

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

Account information incorrect
Complaint: inaccurate dates keep refreshing and gaining interest the company JEFFERSON CAPITAL SYSTEM. illegal refreshing tactic not accurate with the 7 year statue. also in the CFPB forums is the same common tactic used and complaint filed.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-29

Port Charlotte, FL

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

2017-06-29

Houston, TX

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: This account has been closed and charged off with the original bank and I do not have a signed contract with XXXX XXXX or Jefferson Capital Systems nor have I done business with XXXX XXXX or Jefferson Capital Systems. I have a right to demand a signed copy of such contract between XXXX XXXX JeffersonSystem and myself.
Company Response: Closed with explanation

Timely Response

2017-06-28

Bothwell, UT

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: A request for validation was sent to this creditor on XXXX / XXXX / 2017 via certified mail as I was n't sure what the account they are reporting on my credit is, or who the original creditor was. I did not receive any correspondence or information as requested.
Company Response: Closed with explanation

Timely Response

2017-06-28

Las Vegas, NV

Written notification about debt

Debt collection: Credit card debt

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

Timely Response