CL Holdings, LLC Debt Collection Complaint

CL Holdings, LLC Debt collection department,

Cont'd attempts collect debt not owed Debt is not mine Colorado

On -/-/- I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the - against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, - -, on -/-/- stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by - - -, -. He stated that the account was opened on - -, -, and was charged off on - -, - with a default balance of $1500.00. I have several issues with the information provided in his response. 1. As of -/-/-, I still have not received any documentation


was - YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been - years old at the time it was opened. ) On -/-/-, I responded to - - stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received $800.00 from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. On -/-/-, I received a response from - - stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call - -, an account manager, to discuss a resolution that would be satisfactory to both parties. To date, JCS has taken $1800.00 from my paychecks. In the documentation provided to me by - -, the original debt was $1500.00. However, JCS is garnishing my wages in excess of $3900.00. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! I do n't believe I can resolve this without help. My first attempt to resolve this through the - was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!