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: 7875941

Date Received: 2023-11-19

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX account opened on XXXX XXXX2023 from Jefferson Capital System with original creditor XXXX XXXX. I disputed it with XXXX discussing I never opened a XXXX and has been with XXXX XXXX XXXX for 10 years now. I have never missed payment with XXXX XXXX XXXX and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my XXXX loans and credit card payments and to have a debt that is mine is heart breaking.

Company Response:

State: NV

Zip: 891XX

Submitted Via: Web

Date Sent: 2023-11-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7875343

Date Received: 2023-11-19

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: On XX/XX/XXXX the Consumer sent a Notice via U.S. Certified Mail return receipt request to XXXX XXXX XXXX XXXX, the original creditor. XXXX XXXX XXXX XXXX, stated they sold my account to Jefferson Capital Systems LLC. , on XX/XX/XXXX. I have rescinded the security interest agreement obtained with deceptive language and forms by the XXXX XXXX XXXX XXXX. This is NOTICE to Jefferson Capital Systems LLC., to rescind the security interest agreement they acquired without my consent. Both XXXX XXXX XXXX XXXX. and Jefferson Capital Systems LLC., have committed securities fraud, identity theft, trust fraud, and transferred stolen goods across state lines ; I did not consent to either party in the releasing or selling of my private information. The 20-day process as required pursuant to the CFPB begins the day the Jefferson Capital Systems LLC. , receives notice of this " security interest '' rescission. Both parties are liable to the Consumer for the damages, fraud, and losses caused pursuant to 15 USC 1640 Civil Liability. " My Security Interest is Non-Transferable ''! I am the holder of the majority and priority interest.

Company Response:

State: NC

Zip: 27713

Submitted Via: Web

Date Sent: 2023-11-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7873719

Date Received: 2023-11-16

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.

Company Response:

State: CA

Zip: 92234

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7870822

Date Received: 2023-11-17

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Jefferson Capital is reporting an XXXX account on my XXXX credit report that is paid in full... It is negatively affecting my credit profile resulting in denials of credit and unnecessary hard inquiries.

Company Response:

State: GA

Zip: 306XX

Submitted Via: Web

Date Sent: 2023-11-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7869443

Date Received: 2023-11-17

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I check my credit report and its an account for Jefferson capital system saying it was open XX/XX/XXXX XXXX.i couldnt have open that account cause i was XXXX that that time. Account amount is {$2500.00}

Company Response:

State: NC

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-11-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7866353

Date Received: 2023-11-17

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Jefferson Capital Systems LLC, Garnished my wages due to Identity fraud account opened in my name, reference to Complaint CFPB # XXXX. On XX/XX/XXXX, Jefferson Capital responded with release of Garnishment & ref # XXXX no further collections & the account under XXXX XXXX would be closed. Jefferson Capital Systems Garnished my paycheck, taking more than {$2100.00}, without advising me of a refund. I am requesting an immediate refund. Jefferson Capital, Garnished my paycheck put me in a Hardship. I have over {$3500.00} in outstanding fees due to Jefferson Capital Garnishment ignoring the fact that myself & the three Credit Bureaus, XXXX, XXXX XXXX XXXX sent them the Identity Fraud packet. Jefferson Capital mentioned where they removed the Tradeline from all three Credit Bureaus in XX/XX/XXXX, however still Garnished my wages. I am demanding all monies Garnished & the Hardship that caused me to receive additional fees from where I live totaling {$3500.00}. This has cause me mental anguish, XXXX & so much frustration due to Jefferson Capital Systems , LLC, greed. Please return all monies Garnished within 3 business days. I have received an eviction letter from my residence regarding this horrible issue.

Company Response:

State: GA

Zip: 303XX

Submitted Via: Web

Date Sent: 2023-11-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7858725

Date Received: 2023-11-16

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

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

Consumer Complaint: When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified! It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as e-Oscar, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus! If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.

Company Response:

State: IN

Zip: 46544

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7855853

Date Received: 2023-11-15

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: In XXXX of 2023, I received three letters from a debit collector Jefferson Capital that stated I used a service called XXXX which I did not. The first collection notice is Account # XXXX {$200.00} dated XX/XX/2023. The second collection notice Account # XXXX dated XX/XX/2023 in the amount of {$120.00}. The third collection notice Account # XXXX dated XX/XX/2023 in the amount of {$170.00}. I called Jefferson Capital on XXXX XXXX and explained that the charges are not mine, they stated that they would raise a dispute for me concerning theses charges. I then waited 30 days and checked my credit report and the three charges were still being reported as delinquent and in collections. I then called Jefferson Capital again in late XXXX and explained that the charges were still showing on my credit report, and again they said they would take care of this. XXXX I checked my credit report again and the charges were still being reported. I then Called XXXX they stated that they could not find any accounts for my name or even with the account numbers I provided from Jefferson Capital. Today I filed a Police report with the XXXX XXXX Police Department.

Company Response:

State: KY

Zip: 40031

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7855221

Date Received: 2023-11-15

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I am reaching out in regards to a debt that I do not have any knowledge of. As shown on my credit report it is stating that I owe {$4500.00} to XXXX XXXX and that the account was opened XX/XX/2022. I am requesting for more information of my full identity, signatures with my name and receipts of this debt to get a better understanding on how I owe this amount. I am also requesting a goodwill deleting of this trade line off of my credit report seeing that I do not have any knowledge of this collection.

Company Response:

State: AL

Zip: 35401

Submitted Via: Web

Date Sent: 2023-11-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7854067

Date Received: 2023-11-15

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: Jefferson Capital systems has called my work phone on multiple occasions. I have answered the phone and told them that the individual they are calling for no longer has this phone number and to stop calling my number. They refuse to stop calling me, I answer and greet them with my work phone greeting and they hang up, and they will not answer when I call back.

Company Response:

State: FL

Zip: 33566

Submitted Via: Web

Date Sent: 2023-11-15

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.