CL HOLDINGS LLC

2016-03-07

Winder, GA

Taking/threatening an illegal action

Debt collection: Auto

Seized/Attempted to seize property
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-04

Lb, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-03

Cayce, SC

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-03

Philatelic Center, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. I was never contacted by them via phone or mail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-02

Fort Worth, TX

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

Disputed: No Timely Response

2016-03-02

Glenmont, OH

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

Disputed: No Timely Response

2016-03-01

Westfield Ctr, OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-01

Tubac, AZ

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: This is in reference to XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX a Debt Collector who sent Payment Rewards Program offer for credit card but did not provide Debt Validation notice. Also no indication if this payment rewards program reset the clock on a charge off debt. On the back of the offer it indicates that the Program has a satisfaction guarantee. " If you begin the Program by making your first timely payments and subsequently decide that you do not want to continue the Program, you may end your participation and receive a full refund of all payments that you have made towards the Program Balance '' However under that same " Program Satisfaction Guarantee '' ( XXXX ) XXXX XXXX reserves the right to collect the Program Balance and you will responsible for making payments on the Program Balance. Would n't the consumer need notification that the payments start the clock over on charge off debt? On the from of the offer " Details on the XXXX credit card, including applicable rates, fees and terms for new purchases and cash advances, are available upon request and will be sent to you after you have successfully completed your payments. '' The consumer is required to fill out information on the bottom of the page, including what appears to be a waiver " I further agree that no such electronic communications will be deemed unsolicited. '' Is this not an offer without the consumer be informed of all the terms of the offer? XXXX
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-02-27

Sarasota, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-23

Biehle, MO

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-22

Newnan, GA

Disclosure verification of debt

Debt collection: Non-federal student loan

Not given enough info to verify debt
Complaint: I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-22

TX

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-02-19

Jax, MS

Disclosure verification of debt

Debt collection: Non-federal student loan

Right to dispute notice not received
Complaint: XXXX University under the XXXX XXXX umbrella sent me to collections for a debt of {$14000.00}. The school was later sued by your institution forcing them to shut down and sale all of their locations. The collection agency named Jefferson Capital System LLC is trying to collect a large sum of money for a school that lied not only to me but on me. XXXX University attempted to get me to take out a loan from XXXX for {$4700.00} at a 9.9 % interest rate to pay for one quarter. One of their representatives later told me I should take out a genesis loan for the amount of {$11000.00} which would cover the rest of the semester. I refused and explained to them I did n't have the money to pay for a loan. XXXX University locked me out of my online classes and school assigned email accounts. I do n't owe for classes I did not take nor did I finish school. They sent me to collection for not taking out a loan which is something I do not understand.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-18

Lake Ronkonkoma, NY

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-18

Fountainville, PA

False statements or representation

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

Attempted to collect wrong amount
Complaint: XXXX had continue to charge me every month for two and a half year 's for a cell phone that i was not using during that period i was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-13

Jupiter, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-12

Grosse Ile, MI

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-11

Fred, VA

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. This company is attempting to completely ruin my life and my credit and they have no right to do so. I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-02-11

Anaheim, CA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-06

MA

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Complaint: I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-02-05

Everett, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Longwood, FL

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Atl, GA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-02-01

Reno, TX

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 explanation

Disputed: Yes Timely Response

2016-01-28

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