CL HOLDINGS LLC

2017-01-30

Three Bridges, NJ

False statements or representation

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

Attempted to collect wrong amount
Complaint: I ordered service they never delivered the device so i called and canceled. They canceled it and told me is account closed. After 6 month later i see this account in collection please help me fix it.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

Oak Grove, MO

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-01-27

Key Biscayne, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: I called the collection agency to make a payment. They refused to credit the account or even give me the collection amount unless I provided social security number. They identified the account and verified the information by address account number and name and still demanded a SSN. FCRA and SSA forbid the use of SSN as an identifier. The company and XXXX both refused to take payment without SSN
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

IL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: On XXXX XXXX I was alerted that a collection was added to my account ( opened on XXXX XXXX ) by Jefferson capital system for {$81.00} on behalf of XXXX. Since XXXX XXXX that the account was opened I have not been provided with the following : - Agreement with the creditor that authorizes you to collect on this alleged debt - The agreement bearing my signature stating that I have agreed to assume the debt - Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations has not expired - Complete payment history on this account along with an accounting of all additional charges being assessed -Show me that you are licensed to collect in my state ; and - Your license numbers and Registered Agent This illegitimate debt is affecting my credit score in a negative way and must promptly be deleted due to its inaccuracy.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

Nashville, TN

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

2017-01-27

San Jacinto, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

San Antonio, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I attended XXXX XXXX College ( a proprietary school ). I was taking prerequisite classes to enter their business program. They misrepresented themselves and stated that I would not have to pay till I started the actual business program. While in the prerequisite classes, they then announced that the business program was no longer being offered. They offered other programs for me to enter, and as I was thinking over their offer, the entire school closed down. They were owned by XXXX Colleges, and I heard that all their schools closed. Today, I found out that they are reporting on my credit report that I owe them a debt ( that was sold to a debt collector ; Jefferson Capital Systems ). They are claiming that I owed the school money. I feel it is the other way around, they wasted by time by making false promises they could not keep and eventually the entire school closed down.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

Laurel, MD

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-01-26

Montrose, MO

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Tarzana, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-25

Alachua, FL

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

2017-01-25

Winton, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-25

GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have been contacted regarding an account for a debt that is not mine by XXXX, representing Jefferson Capital for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, XXXX/ Jefferson Capital committed the following violations of fair debt collection practices : 1. Representatives from Jefferson Capital, XXXX, or XXXX contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over XXXX XXXX XXXX. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX ). 2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 3. Representatives from XXXX repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - XXXX also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with XXXX insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 4. Reporting of a debt that is over XXXX XXXX XXXX to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over XXXX XXXX XXXX. These issues will be reported to the consumer finance protection bureau. Any further
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-23

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I set up a payment schedule with Jefferson Capital to pay off my debt. I have my letter from them stating it is closed and paid in full, but they continue to report to the credit bureaus that i am deliquent in payments. They also have no records of the letter they have sent me and state i did not fulfill my agreement.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-20

Glen Ellyn, IL

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

2017-01-20

Crabtree Valley, NC

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

2017-01-19

Foothill Ranch, CA

Improper contact or sharing of info

Debt collection: I do not know

Contacted employer after asked not to
Complaint: Jefferson Capital called my work place and discussed my personal matter to an employee there. The person on the phone from Jefferson Capital told the employee that its a personal matter of Debt owed and that I must get on the phone. The person on the other line was threatening and extremely aggressive with my co-worker. I was out to lunch and my co-worker was just trying to take a message. This company would n't give them a call back number or anyone to reach them, they said that they would call back. Jefferson Capital seems like they are part of a scam that bullies people into paying them for debt they do n't have.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Tarzana, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case. After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-18

Zanesville, OH

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This account has been re-aged this account was closed in 2012 I have the original last bill I have asked for this to be removed to no satisfaction this company is violating my rights
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-17

Georgetown, IN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-17

Mboro, TN

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

2017-01-16

Friendswood, TX

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

2017-01-15

Colo Spgs, CO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-14

Vineland, CO

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-13

Augusta, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit. 2. Formal certification that the alleged debt was transferred to a third party if applicable. 3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off. 4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status. 5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state. I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response