Debt collection -- Written notification about debt -- Complaint #11107073
Complaint Overview
Complaint ID: 11107073
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Georgia
ZIP Code: 300XX
Date Received: 2024-12-10T12:00:00-05:00
Date Sent to Company: 2024-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint and Debt Dispute Dear Jefferson Capital Systems LLC, I am writing to formally dispute any and all alleged debts that your agency claims I owe. Additionally, I am filing a complaint regarding your violations of federal laws and regulations, including deceptive and misleading practices in your debt collection efforts. Specifically, I believe your agency has violated the following : 1. 12 CFR 1006.34 ( b ) ( 5 ) Failure to provide accurate and complete disclosures about the alleged debt. 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Use of false, misleading, and deceptive means to collect a debt. 3. 12 CFR 1006.34 ( d ) Failure to comply with required disclosures necessary for validating the debt. 4. 15 USC 1681s-2 ( 7 ) ( A ) Failure to ensure accurate reporting to credit bureaus. Furthermore, pursuant to my rights under federal law, I am disputing any and all alleged debts you claim I owe and requesting the following : 1. Validation of the debt Please provide detailed validation of the alleged debt, including a complete accounting and itemization of the amount you claim is owed. 2. Purchase agreement I request a copy of the purchase agreement or any other contractual agreement between your agency and the original creditor that allegedly transferred this debt to your ownership. 3. Proof of licensing and bonding Provide documentation demonstrating that Jefferson Capital Systems LLC is licensed and bonded to collect debts in my state. Additionally, effective immediately, I am revoking all rights for your agency to contact me via email, text message, or phone calls. Any further communication must be conducted in writing and sent to my mailing address listed above. Failure to adhere to this request will constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). I expect your response, including the requested documentation, within the time frame allowed by law. Should you fail to comply, I will escalate this matter to my state Attorney Generals office, and other relevant regulatory bodies for further investigation and enforcement action. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11107073 about?
Complaint #11107073 was filed against Cl Holdings LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-12-10T12:00:00-05:00.
How did Cl Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cl Holdings LLC?
Yes, visit the Cl Holdings LLC company profile at readthecomplaint.com/company/cl-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.