Debt collection -- Electronic communications -- Complaint #12613902
Complaint Overview
Complaint ID: 12613902
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Electronic communications
Sub-Issue: Frequent or repeated messages
State: Virginia
ZIP Code: 243XX
Date Received: 2025-03-22T12:00:00-05:00
Date Sent to Company: 2025-03-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Same message repeated over 5 text pages : XX/XX/XXXX - XXXX XXXX, take advantage of your repayment options for your JEFFERSON CAPITAL SYSTEMS LLC account while we have the chance to work with you. Visit XXXX XXXX XXXX XXXX XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. The law limits how long you can be sue XXXX d on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out XX/XX/XXXX - XXXX, spend five minutes or less to review your payment options for your JEFFERSON CAPITAL SYSTEMS LLC account XXXX XXXX : XXXX Or give us a call at XXXX. This text is from XXXX XXXX, a debt collector. The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out XX/XX/XXXX - XXXX XXXX, with our flexible payment options, there is no reason to delay resolving your JEFFERSON CAPITAL SYSTEMS LLC account . Check out your options at https XXXX XXXX XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. The law limits how long you can b XXXX XXXX sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEM XXXX XXXX LLC may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out XX/XX/XXXX- same messages XX/XX/XXXX- same messages XX/XX/XXXX- same messages XX/XX/XXXX, XXXX same messages XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$1300.00} for XXXX your JEFFERSON CAPITAL SYSTEMS LLC account . Pay : - {$670.00} in up to 3 monthly payments. 50 % off, that's a savings of {$670.00}! - Flexible payments on the To XXXX tal Balance of {$1300.00} - Payments as low as {$50.00} - One time payment of {$1300.00} This text is from XXXX XXXX, a debt collector. The law lim XXXX its how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JE XXXX FFERSON CAPITAL SYSTEMS LLC may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out
Frequently Asked Questions
What is Complaint #12613902 about?
Complaint #12613902 was filed against Cl Holdings LLC regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2025-03-22T12:00:00-05:00.
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.