CL HOLDINGS LLC


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"Products" offered by CL HOLDINGS LLC with at least one, but usually more complaints:

Bank account or service - Other bank product/service
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Consumer Loan - Installment loan
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Virtual currency
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 7989359

Date Received: 2023-12-12

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: Reached out to the company for them to provide the paperwork I requested but was told no they would not provide me with information but then was told by them to send a copy of my credit report to them

Company Response:

State: AL

Zip: 35806

Submitted Via: Web

Date Sent: 2023-12-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7988360

Date Received: 2023-12-12

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: A 1099c discharge was made to XXXX XXXX ( The original creditor ). Jefferson Capital Systems took over the account claiming the account is charged off for {$920.00}. If this is a certificate of indebtness, that is now considered income and must be removed, I am not sure why this is still on my credit reports according to 15usc 6802. XXXX, XXXX, and XXXX are all reporting the debt.

Company Response:

State: PA

Zip: 19124

Submitted Via: Web

Date Sent: 2023-12-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7977873

Date Received: 2023-12-10

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Name-Jefferson Capital system Amount - {$770.00} XXXX XX/XX/XXXX Name-XXXX XXXX XXXX Amount- {$0.00} XXXX XX/XX/XXXX

Company Response:

State: IL

Zip: 60406

Submitted Via: Web

Date Sent: 2023-12-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7970699

Date Received: 2023-12-08

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

Company Response:

State: CT

Zip: 061XX

Submitted Via: Web

Date Sent: 2023-12-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7968679

Date Received: 2023-12-08

Issue: Incorrect information on your report

Subissue: Public record information inaccurate

Consumer Complaint: Jefferson capital systems is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct Jefferson captial systems would not be attempting to suppress this information. JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$970.00} Financial Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXXXXXX {$970.00} {$970.00} XX/XX/XXXXXXXX XX/XX/XXXXXXXX Type of Account - Open ; Type of Loan - Debt Buyer Account ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Collection Account ;

Company Response:

State: CO

Zip: 80016

Submitted Via: Web

Date Sent: 2023-12-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7968072

Date Received: 2023-12-07

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account

Company Response:

State: NC

Zip: 27103

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7965518

Date Received: 2023-12-07

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I received a letter dated XX/XX/XXXX from a debt collector named XXXX XXXX, XXXX relating to a XXXX XXXX account in the amount of {$2000.00} that was in my name but which I have never signed or accepted. I demanded verification of the debt and the only document received was a copy of the bill in my name that had been sent to me. Subsequently, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXXXXXX, a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX and a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, all seeking collection of the {$2000.00} XXXX bill. I have now received two letters from Jefferson Capital Systems XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX relating to the XXXX bill. I requested from XXXX XXXX a copy of the ''original document from XXXX '' to show who signed the XXXX account and never received any reply. Attached are the two letters I have sent to Jefferson Capital Systems , LLC one dated XX/XX/XXXX and the other dated XX/XX/XXXX which asks for verification of the debt. Jefferson Capital Systems , LLC never responded to my request to verify the XXXX debt. It has now been more than two and a half years and successive collection letters from five collection agencies to collect a debt that is not mine and as to which no collection agency has provided the documents that show who originally signed on the XXXX account. I consider XXXX XXXX ( XXXX XXXX XXXX XXXX, NJ XXXX ) to be responsible as well as all five collection companies that have not responded to my request and Jefferson Capital continues to harass me which I believe constitutes an ''unfair practice '' under Section 808 of the federal Fair Debt Collection Practices Act. I am happy to provide additional documentation to the CFPB relating to my responses to all of the companies listed in the attached letter dated XX/XX/XXXX.

Company Response:

State: GA

Zip: 30076

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7962317

Date Received: 2023-12-07

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. Name and contact information of the original creditor, if this account was transferred or purchased. Any other documentation verifying the account is, in fact, mine. If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. Thank you so much for your time.

Company Response:

State: MO

Zip: 631XX

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7962089

Date Received: 2023-12-07

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: XXXX collection was charged to my credit report. Never received letter or notification in the mail.

Company Response:

State: MD

Zip: 20735

Submitted Via: Web

Date Sent: 2023-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7961696

Date Received: 2023-12-06

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: my original debt was with XXXX XXXX. debt was purchased by jefferson capital. i settled and paid jefferson capital over XXXX i opened a checking account with XXXX checking after doing so jefferson capital contacted me again with the same debt. i spoke with jefferson capital and they hardly speak english and are telling me to pay the XXXX. 1account then a second account. On the 2nd go around they had my name spelled incorrectly. see attached of my passport and notice from jefferson capital

Company Response:

State: AZ

Zip: 86004

Submitted Via: Web

Date Sent: 2023-12-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.