Review and analysis of 8 consumer complaints against CL Holdings, LLC
Out of the 8 consumer complaints against CL Holdings, LLC Credit Card, 0% were disputed by the consumer (i.e. the consumer was not happy with how CL Holdings, LLC responded to their complaint) and 100% were processed in a timely manner. 25% of consumer complaints against CL Holdings, LLC resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 50% resulted in non-monetary compensation.
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| Issue | Complaints |
|---|---|
| Closing/Cancelling account | 3 |
| Identity theft / Fraud / Embezzlement | 1 |
| Delinquent account | 1 |
| Credit card protection / Debt protection | 1 |
| Bankruptcy | 1 |
CL Holdings, LLC cont'd attempts collect debt not owed debt was discharged in bankruptcy May 15, 2016 - I received a bill from - wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to - 2015 as a current debt.... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received May 13, 2016 - This debt was purchased by Jefferson Capital -/-/2014. I did not receive communication, though they insist they sent it. Calls to Jefferson Capital informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called -. A call to - told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run... |
CL Holdings, LLC disclosure verification of debt not given enough info to verify debt May 11, 2016 - I received a letter with the mailing address of - , - - - - -, - -, -, - - - attached - - - - - is the principal agent for -, - ; and I believe - - - is - in the same as - - -. In Letter A, there is an offer to settle an unverified DEBT at - % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC - - -, - -, - -. - - is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe - - is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC.... |
CL Holdings, LLC getting a loan can't qualify for a loan May 3, 2016 - Thank you for taking the time to read this issue. On my credit reports ( - - - - has Charged Off/Transfer my account to a collection company - - -. I filed Bankruptcy in - -. In -/-/- my loans were in Forbearance, due to Unemployment. My other - loans were all in Forbearance during this time. I am not sure how - - could charge off and put my loan in a collection agency while loans were in Forbearance. I have called - and was directed to contact - ; I contacted - and was then directed to contact Georgia -. Any assistance that CFB can provide ... |
CL Holdings, LLC account opening, closing, or management March 22, 2016 - 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 / - - - - , - - - - - Nevada - and Original Creditor is - -. I am also in the process of reporting them to the Federal Trade Commission ( FTC ) ... |
CL Holdings, LLC problems when you are unable to pay March 8, 2016 - My name is - - - date of birth -/-/- and in -/-/- 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 - since I could n't get in touch with them I tried colling - 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 -, but when I tried calling that number since -/-/- it tells me to call back during regular business hours but... |
CL Holdings, LLC credit card protection / debt protection March 7, 2016 - My Tribute card was issued to me in -. I made all payments on time. In - -, Tribute raised my credit to $500.00 without my request and then closed the company. I called ot make a payment in -, - and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson - - reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company - - 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 - c... |
CL Holdings, LLC dealing with my lender or servicer received bad information about my loan March 1, 2016 - I went to - - - and - 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. ... |
CL Holdings, LLC disclosure verification of debt not given enough info to verify debt January 24, 2016 - I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks ... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received January 24, 2016 - Jefferson Capital Systems , LLC knowingly violated the FCRA by placing - collection accounts with- and - credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the - accounts to the credit reporting bureaus. I never received notice such action was being implemented. ... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received January 11, 2016 - In - when my credit report was run by a mortgage lender on - -, - I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of -/-/-. This was a debt that was purchase from - that was in dispute in - -. I did not receive a letter in the mail until - -, - ; dated - -, -. This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to - -. Please could I get some help with this matter? ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt resulted from identity theft January 2, 2016 - There is a - bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. I should not be treated this way for something that I did not purchase or get the benefit of. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt resulted from identity theft December 29, 2015 - I worked in - from -/-/- until -/-/-. Someone accessed my personal information and used - -. Now Jefferson Capital Systems is claiming an account opening on -/-/- which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in - while I was -. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine December 8, 2015 - I had a debt that was deleted in - and then sold to a - party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt was paid December 3, 2015 - I owed - $570.00 back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine November 23, 2015 - there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info. ... |
CL Holdings, LLC disclosure verification of debt not given enough info to verify debt November 10, 2015 - In - I found an unfamiliar - Wireless account on my credit file, I contacted - to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me -. On -/-/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what - is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine November 6, 2015 - On - -, -, - ( - ) responded to my complaint I filed through the CFPB. Convergent stated a - - Bank Checking account was placed with - " for collection purposes with Jefferson Capital with a balance of $190.00. '' - stated that Jefferson Capital Systems , LLC. ( Jefferson Capital ) is collecting a - - - checking account. I do not recall ever having a debt with - -. Over a decade ago ( in - or - ), I had a - - checking account. But within that same year, I went to my local branch and closed the accounts. The banking representative specific... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine November 3, 2015 - Jefferson Capital System is a debt collection company that is trying to collect on a debt for - COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes - student - dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt resulted from identity theft October 29, 2015 - I have never had a cell phone with -! I have only had - - service!!!! ... |
CL Holdings, LLC closing/cancelling account October 25, 2015 - This company - I have had for close to 3 years. I was able to see my report when I pulled my credit on -. Sometime in -/-/- this credit card company reported the account as closed but it was not. I called the company and they refused to fix the issue. This falls report on my account cost me - points. ... |
CL Holdings, LLC disclosure verification of debt not given enough info to verify debt October 23, 2015 - Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears - times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party... |
CL Holdings, LLC disclosure verification of debt not given enough info to verify debt October 16, 2015 - I have not had - in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help ... |
CL Holdings, LLC disclosure verification of debt not given enough info to verify debt October 15, 2015 - I have one negative item listed on my credit. The account was originally for a - - '' back in 2008. The account was paid as it should have been. I never heard anything from anyone until recently I inquired my credit reports and noticed that a delinquent mark was added for non-payment. This account was never in default or collections. The collection company that has claimed it is, is Jefferson Capital LLC. I have been going back and forth with them regarding this inaccurate item. I have sent numerous demands for validation regarding this account, which they have never responded to. I hav... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received October 12, 2015 - On or about -, 2014. I noticed that a - phone bill had appeared on my credit files. I requested that - validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files. ... |
CL Holdings, LLC communication tactics threatened to take legal action October 10, 2015 - Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt ... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received October 1, 2015 - I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all - credit bureaus. This, in turn, negatively impacted my credit score. This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to di... |
CL Holdings, LLC improper contact or sharing of info contacted employer after asked not to September 24, 2015 - Continuing to contact me at my place of employment! ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt was paid September 23, 2015 - I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to - - - - in - of 2015 yet are still reporting it. The debt was paid in full to - - - and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease. ... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received September 22, 2015 - I received a letter on - -, 2015 from Jefferson Capital dated - -, 2015 ( attached ). On - -, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received - -, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bure... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine September 13, 2015 - Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to clear up '' my reports. To wit : Jefferson Financial is reporting an account with a balance of $810.00 on my consumer reports. ... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received September 10, 2015 - I have attempted to dispute a charge off with - -, I have spoken with what they stated was the presidential office with a woman named -. She explained to me that the charge off happened three days previous, - and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for you... |
CL Holdings, LLC cont'd attempts collect debt not owed debt was paid August 4, 2015 - I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine August 4, 2015 - 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 de... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine August 3, 2015 - Was employed in - from -/-/- until -/-/-. While I was employed in the - of -, my identity was used to open accounts. I have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. On -, it indicated removed but then it re-appeared. It is contradictory postings. ... |
CL Holdings, LLC communication tactics threatened to take legal action August 2, 2015 - I have experience this 3 times inside of 2 years with 3 different carriers as my - condition required 2 moves. This was a - where I purchased the phones that claimed they would work in - they did not- although there map of coverage and customer service claimed it was within the coverage areas. Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. After months of calling customer service and complainin... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine July 27, 2015 - Previously an alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate ... |
CL Holdings, LLC taking/threatening an illegal action threatened arrest/jail if do not pay July 23, 2015 - I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine July 16, 2015 - Last Reported- -, 2015Collection Agency-Original Creditor- - - - CHECKINGStatusOpenOpened Date- -, 2015Closed Date - ResponsibilityIndividualBalance $ - Balance $ - for collection ... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received July 15, 2015 - Jefferson Capital SystemsTo Register a Complaint : Mailing address : - - -, -. - , - MN -Phone Number : - ( toll free ) Email : -- -, 2015Re : Request for Investigation/ Debt Validation Request Re : - - Original Creditor : - - Account Number : - : Chief Compliance Officer : - - -This is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. - Report Number : - Dated : - - 2015. First and far most, I must advise you that, this same ac... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received July 11, 2015 - never received documentation about debt ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt was paid July 9, 2015 - I have reviewed my credit file and have been turn down for credit due to Jefferson Capital listing me as still having active revolving line of credit with them. This item does show as - balance however it does show as an active line of credit which is incorrect. I was told by - Representative at the company on -/-/- that a request to delete my information was placed to all - credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with - from consumer relations department at Jefferson Capital who researched and stated tha... |
CL Holdings, LLC disclosure verification of debt right to dispute notice not received July 5, 2015 - IM, FI-ING MY CREDIT, FROM -/-/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD - ACCOUNT IN COLLECTION WHICH PAY THE DAY IN - - THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF -, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN - YEARS OF THE COLLECTION - - -, OF THIS AMOUNT IS $ -.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN.. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine July 5, 2015 - i have continued to write Jefferson Capital Systems , LLC and - - -, 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 - -. 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 -, telling me that they are going to report me to the - - were I am employed. ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt resulted from identity theft July 1, 2015 - This is not mine was opened in my name not by me and this should be taken off my credit thank you ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt was paid July 1, 2015 - this debit was paid to jefferson capital systems llc on -/-/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 - which included fees and accrued interest. This i now that - 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 re... |
CL Holdings, LLC cont'd attempts collect debt not owed debt is not mine July 1, 2015 - I just received a notice ( -/-/15 ) that I have an Open Collection of $540.00 for a - Bill that is being collected -. This bill was never mine and I got this discharged by contacting - - -. - 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 - -. 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... |
CL Holdings, LLC cont'd attempts collect debt not owed debt resulted from identity theft June 29, 2015 - This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - - - for the amount $2600.00. Please help me fix this. My email is --. Phone number -. Thank you. - - - ... |
CL Holdings, LLC cont'd attempts collect debt not owed debt was paid June 26, 2015 - I paid a past due bill directly to - who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. - then claimed that my check (a cashier's check issued by - Bank Bill Pay) was returned NSF. - shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over - 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 $- payment that was made to -... |
CL Holdings, LLC false statements or representation attempted to collect wrong amount June 24, 2015 - RE : Jefferson Capital System- - -, - - , -. - MN -Reference # -Amount : $ -Jefferson 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. ... |