CL HOLDINGS LLC

2016-04-27

FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have requested validation several times and yet to receive anything except for a collection notice
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-27

IL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I requested proof of this debt with a signature and they did not forward any information. A print out does not validate and there are several XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-26

Hamburg, NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I was never contacted about this debt, and I have just begun looking into my credit reports and this seems to be on it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I submitted a complaint already and they continue to call. This is an annoyance. We are seeking a Chapter XXXX bankruptcy and this company was told to leave us alone last year.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-04-20

Sanford, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-20

Scottsdale, AZ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX has now placed this debt that is not mine into a different debt collection company that is negatively impacting my credit score. I informed them multiple times that this is not my debt! I have been trying to get this sorted out since 2012 and XXXX XXXX fails to take action, claiming this debt that is n't mine and placing on my credit history. I do n't understand how this is even legal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-19

NY

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: These people were told not to contact me. They are calling all the time! I want it to STOP!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-04-17

Hinkley, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: On XXXX XXXX I sent jefferson capital systems a certified verification of debt letter. I have recieved no response thus far. I would like help on what I need to do next. this is the letter that was sent ... XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern, I am sending this letter to you in response to a notice I received from you on ( XXXX/XXXX/2016 ). Be advised, 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 is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-16

Soddy Daisy, TN

Taking/threatening an illegal action

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

Threatened arrest/jail if do not pay
Complaint: First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me a deadbeat, and refused to let me speak to a supervisor. Then the following day I received XXXX calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-15

PA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-13

Magnolia, TX

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: Jefferson Capital Systems LLC filed a law suit petition with a court within my jurisdiction in Texas. I not once received any notification from Jefferson Capital Systems LLC stating who they were, what they were collecting on or that I was being sued. I had never spoken to them or even had a debt with them. This debt I have now found out was purchased from the original creditor. Jefferson Capital Systems LLC never offered me the opportunity to work with the original creditor. They made numerous anonymous calls to my cell but never once left a voicemail or a call back number. I was able to trace their number to their company and assumed it was fraud since they do n't leave messages. I have been receiving calls from stating they are sending a warrant for my arrest and the numbers left behind are not traceable to a state office or legal office. I am now receiving numerous calls to my cell phone from various numbers claiming to be from a processor which I found out was fraudulent.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-11

PA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Their was a XXXX account opened in my name several years ago, this was a result of identity theft. I supplied XXXX the identity theft proof several years ago. This debt was apparently sold by XXXX to Jefferson Capital Systems who are now trying to collect on this debt that is not mine. They have placed a negative mark on my credit report which caused my credit to nosedive. Attached is a removal of it from my credit report in the past with the XXXX account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-10

Oaklevel, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-08

Austin, AR

Communication tactics

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

Called after sent written cease of comm
Complaint: JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-06

GA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I received a notice from a credit monitoring company that a NEW collection account was added to my credit bureau. I looked it up and it was Jefferson Capital Systems. I have contacted them asking for debt validation and have had no response. I DID NOT receive any notice from this company giving me right to validate or dispute this debt. This debt also says it is NEW and was opened in XXXX 2016 but is also in collections. That is impossible!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-06

San Diego, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-05

NY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This account was closed before XXXX 2016. This account was re-opened XXXX 2016 and not giving me accurate information to contact the creditor. Every time I call, I get nothing ; no office hours, no chance of leaving a voicemail and emails are not working either.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Greenwood, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Recently I found an item on my credit report from this organization. It came as a surprise as I had not received any notification, verification or communication from them. Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. The accounts seem to have a pattern of being opened, quickly used, never paid on and subsequently closed. I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this, though only XXXX is currently being reported. I do not know of the accounts in their office and had they attempted to contact me, I could have advised these are not my accounts as these accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. Despite this, they continue to report inaccurate data on my credit report and leave the file open using it as leverage in a sick attempt to force payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-03

PA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ). Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported. when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-01

TX

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: this credit card i 've been working to pay this off for the last nine months. making payments to jefferson capital. please correct my file.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Los Angeles, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-31

Harrisburg, PA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-31

North Hollywood, CA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-03-31

Houston, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: i sent a debt validation to jefferson capital on XXXX XXXX 2016, its been over 30 days and i have not received any documents about the account, this is violation of fdcpa i want this deleted from my credit file
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-30

Cordova, TN

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response