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: 3538804

Date Received: 2020-02-20

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have a debt collection reporting on my credit for a credit card that I already previously disputed. The account was originally removed due to inaccuracies on y credit reports. This item was a result of an identity theft and now this account has reappeared on my credit as bad debt. This account does not belong to me.

Company Response:

State: GA

Zip: 30309

Submitted Via: Web

Date Sent: 2020-02-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3536641

Date Received: 2020-02-19

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: On XX/XX/XXXX I contacted Jefferson Capital Systems and was told the account would be removed from my credit report. This collection account has damaged my credit rating, preventing me from obtaining a home loan. I would like this resolved immediately, as this is a FCRA violation.

Company Response:

State: NY

Zip: 130XX

Submitted Via: Web

Date Sent: 2020-02-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3535071

Date Received: 2020-02-18

Issue: Incorrect information on your report

Subissue: Old information reappears or never goes away

Consumer Complaint: Jefferson Capital Systems located at XXXX XXXX XXXX XXXX XXXX, MN XXXX purchased a debt that is more than 3 years years old and reported on my credit of a new account with new delinquent payments in XX/XX/2019 as if to appear that it is a new account when in fact it is not.

Company Response:

State: CA

Zip: 95621

Submitted Via: Web

Date Sent: 2020-02-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3534906

Date Received: 2020-02-18

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: This company is in violation of the FCRA Section 611 ( A ) ( 1 ) by failure to validate an alleged debt in a timely manner and or providing proof of contractual obligation. " sum owed {$750.00}

Company Response:

State: PA

Zip: 181XX

Submitted Via: Web

Date Sent: 2020-02-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3534833

Date Received: 2020-02-17

Issue: Took or threatened to take negative or legal action

Subissue: Threatened to sue you for very old debt

Consumer Complaint: Jefferson Capital Systems the collecter name is XXXX XXXX. He called my wife today and said we were 3 months behind. We set automatic payments with this same person months ago and payments were being taken out monthly. It was set for the XXXX every month XX/XX/XXXX payment was taken out was set for the XXXX. He said we stopped the payments and need to call the bank and said they will take her to court and garnish her pay. We call the bank and we did not stop the payments there company never took payments out. The bank said there was no post from them and we had funds every time. I called back and talked to them. This person messed up the payment arrangements and again messed it up today and put the next auto payment for XX/XX/2022 years from now. He did not leave any notes in the account from his call today so it took another person and a supervisor to fix this issue and to remove is out of the delecincy because of his mess up and he threatened us by saying they were going to take us court and garnish our wages. I got it fixed with the other people he put our account back up to XXXX and we paid XXXX on this account. Becuase he messed it up they corrected it to now XXXX. My wife is XXXX and this almost gave her a XXXX XXXX do to her illness. I want to know what I can do to get this justified for the threat he made and the company completely messing up our account.

Company Response:

State: CO

Zip: 812XX

Submitted Via: Web

Date Sent: 2020-02-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3534817

Date Received: 2020-02-17

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: The companies representative XXXX ( not sure of correct spelling ) contacted me today XX/XX/20 at XXXX XXXX and I advised the representative that they had the wrong number ( A tactic of my own I employed to stop receiving calls 4-5 times a day ). The representative stated that this was highly unlikely and asked if I could confirm the last 4 of my social with him and I said no but he could verify the ones he has on file with me so I could confirm or deny and the representative gave out the last 4 of my social without verifying who he was speaking with and I think that is that is ridiculous. This was a complete and direct violation of my rights and privacy.

Company Response:

State: GA

Zip: 31907

Submitted Via: Web

Date Sent: 2020-02-17

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3533704

Date Received: 2020-02-16

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations! Jefferson Capital put collection on my credit report without accurately validating the following information as requested at least 5 times : I request that Jefferson Capital validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.

Company Response:

State: OH

Zip: 43302

Submitted Via: Web

Date Sent: 2020-02-16

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3533403

Date Received: 2020-02-15

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods

Company Response:

State: GA

Zip: 31602

Submitted Via: Web

Date Sent: 2020-02-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3533143

Date Received: 2020-02-15

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: Someone opened an account with XXXX in my name and they claimed a phone was sent to my address. Yet, they dont have any imei number or serial number for the phone nor proof of signature for delivery. I did not order a phone from XXXX and they have refused to remove it from my credit profile. The phone I was told by a representative was never used nor activated. They can not provide any contract or signature or ID that I opened the account. There claim however is that it was sent to my address. I've had XXXX services now for 15 years. I have no purpose for their services.

Company Response:

State: AL

Zip: 365XX

Submitted Via: Web

Date Sent: 2020-02-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3527811

Date Received: 2020-02-11

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I received a letter from my current employer alerting me that my check was being garnished.. when I called the XXXX XXXX who is responsible for the garnishment they said they tried to contact me using an address that I have never lived at and they werent able to verify it was me. I asked them to mail me proof that I was responsible for the debt they sent me a letter trying to verify my identity AFTER the garnishment court date telling me I had 30 days to verify debt.. I went to the courthouse and they told me the court date had passed and the court signed of on a garnishment before the company XXXX XXXX even verified I owed the debt. I do not owe this debt I wasnt even given the chance to prove it wasnt my debt.

Company Response:

State: OH

Zip: 452XX

Submitted Via: Web

Date Sent: 2020-02-11

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.