CL HOLDINGS LLC

2017-03-29

WI

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Around mid XXXX I received a letter from XXXX regarding XXXX, naming " current creditor '' as JEFFERSON CAPITAL SYSTEMS LLC Account Number XXXX in the amount of {$1700.00}. I knew there were alot of fake companies out there claiming consumers owe fake debt so I chose at the time to ignore it. Im sure I recieved many calls but I never answered unknown numbers. Around mid XXXX I received a debt collection letter from a company called XXXX. not sure what this was, so I got a copy of my credit report. I did not find this particular company on it but did see Jefferson Capital Systems with different account numbers, and amounts. I have NEVER received any letter from Jefferson Capital Systems. I have never signed a contract with them either, so again I ignored it. I did not receive anymore, to my knowledge, any letter concerning this alleged account. Approximately around XXXX I received a letter from my local courthouse that I was being sued by Jefferson capital Systems LLC with a court date of XXXX. I never received any certified letter or any postal letter from the lawyer nor Jefferson Capital Systems LLC that I was being sued. I went to court and they did not show up so the judge according to local court rules he accepted my plea of contesting this friviolous lawsuit and set a hearing date to XXXX. They phoned in and another date has been set for XXXX. I made the statement in court th After spending countless hours researching my rights and wisconsin laws I realized that I could request documentation to validate the alleged debt. I faxed a request on XXXX ( attached ) to XXXX, the lawyer for Jefferson Capital Systems LLC. That reqest included ALL charges from a zeo balance to final amount so I could inspect if this account was valid. I also requested any and all documents including the original written contract I signed with XXXX and/or Jefferson Capital Systems. In return I got a almost XXXX page discovery requests in the mail. It was very intimidating to say the least! After reading it over and over I feel the lawyer is trying to intimidate me into messing up my answers and also he is clearly telling me what I have to say and how to say it at that. I contacted a free legal service office in Wisconsin and she reviewed my case and offered advice but they could not take the case. Here is her response to the plaintiffs requests : A few observations about the paperwork you sent to me : - There is only a list of accounts for the last 'bill of sale. ' How does one know that your account was in the previous sales without a list of accounts or something similar? You should request those from the plaintiff by sending your own discovery list to the plaintiff. - The signatures on the bills of sale are not notarized, so they can not be taken as evidence without further affidavits or testimony from a company who knows of the sales. If you go to a hearing, you should point this out to the judge. - Look at the addresses on the XXXX statements. They are different. Did you have mail go to those addresses at those times? - Bill of sale says " no warranties '' so they can not guarantee that the documents are correct by the seller so you should request statements that show how the plaintiff came to the amount due on the complaint. - The first bill of sale says that all accounts transferred from XXXX to XXXX " except for any interest of XXXX. '' So you should question if XXXX accounts were actually included in that transfer and sale. this has caused extreme XXXX and XXXX on me and my family can validate this. I have filed a request for production at the courthouse as well on XXXX. Next court date is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: i am constantly and have been constantly disputing this account with this company for inaccurate reporting because they debt their reporting does n't belong to me. i am getting frustrated and i need this to stop. i will not pay for an account that is being reported inaccurately, that 's a scam and i 'm so tired of this company and their aggressiveness about getting me to pay for something that i have no attachments too. i 'm about ready to file a law suit, their reporting inaccurately and bullying people.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-28

Hopewell, VA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-28

Hoard, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital 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 Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems 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.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-28

Phila, PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-27

Chester, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2017-03-26

Meriden, CT

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2017-03-25

Nashville, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-24

Azalea Park, FL

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Contacted me after I asked not to
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-24

New Orleans, LA

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-24

Margate, FL

Taking/threatening an illegal action

Debt collection: Non-federal student loan

Threatened to sue on too old debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-23

Belleville, IL

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Rehoboth Bch, DE

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-22

Powder Spgs, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-21

Hilltop Mall, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-20

Saint Clair, MO

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-20

San Diego, CA

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Complaint: Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-19

Mc Kinney, TX

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-16

Van Nuys, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: THIS COMPANY IS TRYING TO COLLECT A DEBT I DO NOT OWE. IN XXXX I DID NOT HAVE XXXX, I DID NOT PAY MY OWN BILLS BECAUSE THEY ARE PAID THROUGH COMPANY WHERE I WORK. I DONT EVEN HAVE THE PHONE UNDER MY NAME. ITS IMPOSSIBLE TO BE MINE. THEY HAVE FRAUDULENTLY PUT IT ON MY CREDIT REPORT, JEFFERSON CAPITAL SYSTEMS {$XXXX} {$540.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. Open Account # XXXX {$540.00} Balance XXXX Original Creditor {$540.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. Responsibility Collection account Remarks Note
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-15

Lemoore, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-15

MA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Jefferson capital is not a licensed debt collector in the state of Massachusetts
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Glen Allen, VA

Incorrect information on credit report

Credit reporting:

Personal information
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Santa Maria, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-12

Coalinga, CA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: I paid my XXXX bill {$780.00} on XXXX, 2017.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-11

Coral Springs, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with non-monetary relief

Disputed: No Timely Response