CL HOLDINGS LLC
Consumer Complaints
There are over 2318 complaints on file for CL HOLDINGS LLC. Dated between 2019-12-10 and 2013-07-26.
Complaints Page 78
2016-03-30
NY
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not disclosed as an attempt to collect
Complaint: I contacted Jefferson Capital Systems, after finding out a collection account was posted to my credit report. I researched the company and contacted them via the phone number found on the web. After waiting on the line for 15 minutes, I was transferred to XXXX XXXX This call was placed on XXXX/XXXX/2016 at XXXX. After verifying my personal information, and confirming the last XXXX digits of my social security number, I was advised that my account was owned by Jefferson Capital Systems but it was given to a company named XXXX XXXX XXXX to collect payment. The number I was given to call was XXXX. This number is invalid and it 's for a company called XXXX XXXX. Again, I was never notified of this debt, and called this morning to see what it was regarding. Also, I was never notified that it was an attempt to collect a debt nor informed that any information obtained will be used for that. Under the FDCPA ( Fair Debt Collection Practices Act ), and being a resident in New York State, it 's a requirement for any collection agency to make a party ascertain of the following : " This an attempt to collect a debt and any information obtained will be used for that purpose '', when calling or replying to any type of debt to any and every person I speak to. After looking further into the FDCPA, I was made aware that I can sue a debt collector in a State or Federal court within XXXX year from the date the law was violated, if this violation is not handled. Per the prerecorded message while I was on hold, " all calls were recorded ''. That being said, the recorded call can confirm I was never notified of the attempt to collect a debt. I would like my debt to be closed and removed from my credit report and not sold to another creditor. I would like a letter of deletion for my book keeping or I will contact both State and Federal agencies and take this violation to court under the rights of the FDCPA.
Company Response: Closed with explanation
2016-03-29
Whitesville, WV
Disclosure verification of debt
Debt collection: I do not know
Not disclosed as an attempt to collect
Company Response: Closed with explanation
2016-03-29
Manhattan, KS
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was discharged in bankruptcy
Company Response: Closed with explanation
2016-03-28
Sacramento, CA
Communication tactics
Debt collection: I do not know
Called outside of 8am-9pm
Company Response: Closed with explanation
2016-03-27
AL
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: In 2012 I attended XXXX XXXX XXXX college. This balance needs to be forgiven under the condition that this school closed and I am eligible for Closed School Debt Relief. I have spoken with representatives from XXXX XXXX on several occasions in regards to this debt and no one has removed this account from my credit report. This account needs to be updated to a XXXX ( XXXX ) balance and " Paid as agreed '' OR removed completely and permanently from my credit report.
Company Response: Closed with explanation
2016-03-27
Shulerville, SC
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!
Company Response: Closed with explanation
2016-03-26
San Francisco, CA
Cont'd attempts collect debt not owed
Debt collection: Non-federal student loan
Debt was paid
Company Response: Closed with explanation
2016-03-26
Milwaukee, WI
Disclosure verification of debt
Debt collection: I do not know
Right to dispute notice not received
Complaint: I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-03-24
Saint Paul, MN
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-24
Camp Springs, MD
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Attempted to collect wrong amount
Company Response: Closed with explanation
2016-03-24
Lexington, KY
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt was paid
Company Response: Closed with explanation
2016-03-23
Portland, OR
Disclosure verification of debt
Debt collection: I do not know
Right to dispute notice not received
Complaint: On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-03-22
Jonesboro, GA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-03-22
Seattle, WA
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX.
I am also in the process of reporting them to the Federal Trade Commission ( FTC )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-17
Phoenix, AZ
Communication tactics
Debt collection: Other (i.e. phone, health club, etc.)
Threatened to take legal action
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-16
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was discharged in bankruptcy
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-15
Philadelphia, PA
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Complaint: I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-15
CA
Disclosure verification of debt
Debt collection: I do not know
Right to dispute notice not received
Complaint: My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of.
Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life.
I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will.
cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-09
N San Juan, CA
Improper contact or sharing of info
Debt collection: Credit card
Contacted me after I asked not to
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-08
Tampa, FL
Problems when you are unable to pay
Consumer Loan: Installment loan
Complaint: My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "
Company Response: Closed with non-monetary relief
2016-03-08
Hinkley, CA
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt is not mine
Complaint: I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-03-08
GA
Communication tactics
Debt collection: Other (i.e. phone, health club, etc.)
Frequent or repeated calls
Complaint: I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-07
Lewisville, TX
Credit card protection / Debt protection
Credit card:
Complaint: My Tribute card was issued to me in XXXX. I made all payments on time. In XXXX XXXX, Tribute raised my credit to {$500.00} without my request and then closed the company. I called ot make a payment in XXXX, XXXX and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson XXXX XXXX reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company XXXX XXXX then put both accounts that I did not have on my credit with a balance of {$1000.00} without notifying me. I reported the complaint to all XXXX credit entities such as XXXX, XXXX and XXXX and my claim was denied. The credit is reporting on my report for the last 9 years beyond the lawful amount of time of 7 years and is reporting incorrectly. I would like for the account to be removed from my credit report. My credit report shows that I have disputed the account. The company does not meet federal regulations and is reporting incorrectly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-07
Arco, CA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was paid
Complaint: I recently paid a debt and thought that by paying them they would be removed from my credit report. How can I get them removed?
Company Response: Closed with non-monetary relief
2016-03-07
Barretville, TN
Taking/threatening an illegal action
Debt collection: Credit card
Sued w/o proper notification of suit
Company Response: Closed with explanation