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: 8083288

Date Received: 2023-12-30

Issue: Electronic communications

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

Consumer Complaint: I left XXXX in 2019 because somebody tried to buy something in Texas with my Credit and it's been XXXX years and haven't heard anything because I had put in a fraud alert with them and now Jefferson capital is trying to collect on it and I know that it's a XXXX statue of limitations on Debt on a cell phone

Company Response:

State: FL

Zip: 33467

Submitted Via: Web

Date Sent: 2023-12-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8083278

Date Received: 2023-12-30

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company Response:

State: PA

Zip: 190XX

Submitted Via: Web

Date Sent: 2023-12-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8083078

Date Received: 2023-12-30

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: in the year XX/XX/XXXX my son passed away i tried cancelling the account but i was told i couldnt cancel because there was a contract, i told them i didnt need that phone line they said i needed to complete my contract. I returned the phone but apparently i didnt get credit for it. Then i get this great amount of XXXX years later. I think im not responsible for the bill its been 17 years it should be off the credit bureau. Thank you XXXX XXXX

Company Response:

State: TX

Zip: 79936

Submitted Via: Web

Date Sent: 2023-12-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8082364

Date Received: 2023-12-31

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: The account is question is fraudulent. Please refer to attachments. Thank you!

Company Response:

State: IL

Zip: 60628

Submitted Via: Web

Date Sent: 2023-12-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8075792

Date Received: 2023-12-29

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: During XX/XX/XXXX, I received numerous telephone communications from XXXX, an installment loan financial lender, notifying me of their efforts to recover an alleged debt. According to the information provided, my personal details were exploited to secure installment loans totaling {$2800.00}, subsequently utilized for purchases from XXXX and XXXX XXXX. Responding promptly to these notifications, I initiated contact with both entities in XXXX. Representatives from XXXX XXXX and XXXX explicitly affirmed that there was no record of transactions made by me or using my personal information. To substantiate my claim of non-involvement in the alleged transactions, I provided XXXX with an XXXX reference number in XXXX, confirming the absence of purchases facilitated through an XXXX-acquired loan totaling {$2800.00}. Despite presenting this exculpatory evidence, a prolonged investigation occurred throughout XXXX and XXXX. XXXX representatives persistently pursued debt collection during this period, despite my ongoing dispute. On XX/XX/XXXX, XXXX communicated via email, asserting my continued liability for the debt totaling {$2800.00}. However, no details or information regarding the investigation were provided. XXXX further labeled my assertion and accompanying documents as " unauthorized. '' In addition to my ongoing dispute with XXXX, I reiterate that my dispute is rooted in communications with XXXX XXXX and XXXX, both of which confirmed no record of purchases made with my information. Additionally, I complied with XXXX XXXX request by submitting an Affidavit for fraudulent charges, accompanied by a police report and a Report of Identity Theft filed through the Federal Trade Commission ( FTC ). Subsequent to the failure to notify me of any investigation or details associated with my request for an investigation, XXXX proceeded to send me to collections. Consequently, this debt has been reported as a derogatory account on my credit report, resulting in significant financial harm and numerous phone calls daily by the debt collector. In XXXXXXXX XXXX XXXX, I received correspondence from a debt collector, specifically Jefferson Capital. Engaging in communication with them via email, I explicitly articulated my request for details and information regarding the debt they were contacting me about. While my email was acknowledged, the requested information was not provided. To my dismay, I later discovered that Jefferson Capital had reported me to the Credit Reporting Agencies.

Company Response:

State: MI

Zip: 48127

Submitted Via: Web

Date Sent: 2023-12-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8075576

Date Received: 2023-12-28

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I am writing to you regarding an alleged debt associated with the below-mentioned account. Before I proceed with any further actions, I kindly request that you provide me with the information to validate the debt 's accuracy and legitimacy. See letters for the information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response:

State: NY

Zip: 11756

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8074504

Date Received: 2023-12-28

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: Jefferson capital systems LLC. Reported to XXXX a false address. XXXX XXXX XXXX XXXX XXXX XXXX FL. I've never lived at XXXX XXXX XXXX FL I live at the same address, I called XXXX to have it removed, They wouldn't then the amount was incorrect I paid them on the agreement Amount of XXXX a month which they agreed too.A they stated it hasn't been paid which is also a lie. So they are falsely making accusations That they are making up .I believe that they should be entirely need to be removed.. What will the post next? Never know.

Company Response:

State: MO

Zip: 648XX

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8072238

Date Received: 2023-12-28

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Payment was already paid with XXXX over 5 years ago. No debt with XXXX. I have no business with you as email and any other forms of contact is harassment and will in return use a lawyer if bothered again by this. Like I said debt was paid.

Company Response:

State: IL

Zip: 60639

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8068281

Date Received: 2023-12-27

Issue: Credit monitoring or identity theft protection services

Subissue: Billing dispute for services

Consumer Complaint: its with colorado XXXX XXXX also in arizona they sent me a letter stateing i owed money for a loan but thing is iv never had a school loan in my life..yes iv lost my id b4 my social number card yes iv lost b4 im actually waiting for my new card to come in the mail now as we speak for a long time somone has had my credit becuase when i was XXXX my mom almost didnt get food stamps because at XXXX they were saying i worked at a XXXX XXXX way out in another part of colorado that iv never even been in iv never been as far as XXXX and XXXX this place was a few hours away and back then they had told my mom we had to get to there police station to make a report in order to fix it all but at the time we couldnt make it that far out there so my mom kind of let it go i guess. but now i get emails from XXXX XXXX stating i done just made a bitcoin purchues and thank you heres my reciept when i never paid anything with pay pal i cant even get a XXXX because they wont idenfiy me because of all the XXXX XXXX it says that i have when i dont phone wise iv only had XXXX it says that i owe XXXX XXXX and XXXX when iv never even had either of them it says i have a eviction iv never lived alone yet in my name i stay with my boyfriend right now im looking for a apartment but im getting denied its saying i have a eviction or owe a apartment when i dont it says i owe progressive insurance IV NEVER EVEN HAD A CAR B4 i dont even had a driver record so how XXXX XXXXXXXX do i owe insurance???? i just [ please want this all fixed because right now i cant do anything without getting denied from everything i need to move out asap they are tearing are building down and i have no place to go and cant even apply for a apartment because im getting denied XXXX XXXX XXXXXXXX

Company Response:

State: CO

Zip: 80204

Submitted Via: Web

Date Sent: 2023-12-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8064367

Date Received: 2023-12-27

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: My name is XXXX XXXX. I am refusing to pay {$170.00} the amount that you are requesting and stating that I owe. I have on several occasions attempted to contact XXXX. I have written to them on four occasions in writing concerning this issue with no response. I did not have service with XXXX in XX/XX/XXXX. I cancelled the cell phone service in XX/XX/XXXX, I have not used their service and they were billing my credit card, when I cancelled my credit card in XX/XX/XXXX. I called their customer service line several times to cancel the service for the phone number XXXX. Which I have not used phone service with XXXX since XX/XX/XXXX. XXXX company would not help me because I did not know the pin to the phone. I provided my email which is XXXX, and the phone number. I was sent an email, with a code, however the code would not work and no one at their company could assist me. XXXX continued to bill my credit card which is wrong. I asked to cancel the service in XX/XX/XXXX. Yet XXXX XXXX continues to bill and say that I owe them, and I do not. I asked Please cancel the phone service for XXXX. On XX/XX/XXXX, I asked my credit card company, XXXX XXXX to stop the payment from going through, because I no longer had service with you. XXXX actually owes me money for two months billed with no service. I am going to Contact the NEWS to get help, because this company continues to send me to collects for a bill and a collections company and I did not have service with your company. Please, please stop sending me bills. I still continue to receive email bills from your company with double the amount. I do not owe you any money and please stop sending me bills. This is a written request, XXXX letter, XXXX letter and now XXXX and XXXX letter asking you to stop billing my credit card.

Company Response:

State: CO

Zip: 80249

Submitted Via: Web

Date Sent: 2024-01-02

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.