CL HOLDINGS LLC

2015-07-05

Washington, DC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-03

Foxridge, MD

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

Disputed: No Timely Response

2015-07-02

Somers Point, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: this debit was paid to jefferson capital systems llc on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by jefferson capital to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something jefferson capital systems failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since jefferson capital never sent me a letter showing that the debt was settled.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-01

NY

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: This is not mine was opened in my name not by me and this should be taken off my credit thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-01

MO

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-29

Discovery Bay, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-26

Seattle, WA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-26

Knightsville, SC

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-24

Schuyler Falls, 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 non-monetary relief

Disputed: No Timely Response

2015-06-24

N San Juan, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-22

Lewisville, TX

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2015-06-18

Bertrand, MO

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-15

Berthoud, CO

Communication tactics

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

Frequent or repeated calls
Complaint: Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-13

WV

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-11

Hillside, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-11

Val Verde, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally,
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-08

Lenzburg, IL

Taking/threatening an illegal action

Debt collection: Federal student loan

Sued w/o proper notification of suit
Complaint: I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-04

Kissimmee, FL

Disclosure verification of debt

Debt collection: Credit card

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

2015-06-02

Key Biscayne, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am a victim of identity fraud since 2011. XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-02

Fort Lauderdale, FL

Closing/Cancelling account

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-31

San Juan, PR

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-29

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-28

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-27

Springfield, VA

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

2015-05-26

Frostburg, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response