Debt collection -- Attempts to collect debt not owed -- Complaint #12965355
Complaint Overview
Complaint ID: 12965355
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: XXXXX
Date Received: 2025-04-13T12:00:00-05:00
Date Sent to Company: 2025-04-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Thanks, XXXX. Here 's a debt dispute letter you can send to the company or collector thats billing you, along with a draft complaint for the CFPB and Florida Attorney General. -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Subject : Formal Debt Dispute and Hardship Relief Request To Whom It May Concern, I am writing to formally dispute the validity of the balance being billed to me for financed furniture items originally obtained through Badcock Home XXXX XXXX XXXX These items were destroyed in a natural disaster ( Hurricane Helene ), which caused over four feet of flooding at my residence at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These items are no longer in my possession, and Badcocknow closedhas stated they can not replace them. I have previously submitted documentation of this loss, as well as proof of layoff and finalized workers compensation from Badcock, my former employer. I am requesting : Full account cancellation or charge-off Cessation of billing and collection Immediate confirmation that this debt will not be reported or will be removed from my credit report This is a formal request under the Fair Debt Collection Practices Act ( FDCPA ) to : 1. Validate the debt and provide full documentation. 2. Cease any collection efforts while my dispute is under review. Attached are : Proof of residence during the storm Layoff and workers comp settlement documents Prior communication with Badcock Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX -- - 2. Consumer Financial Protection Bureau ( CFPB ) Complaint Issue : Being billed for destroyed financed items after a hurricane. Company : Badcock Home XXXX XXXX XXXX ( or successor agency ) Details : Financed furniture lost in Hurricane Helene ( FEMA DR-4828-FL ) Items were destroyed due to 4+ feet of flooding Badcock closed , cant replace the furniture Still being billed despite hardship emails and layoff Previously employed by Badcock XXXX XXXX XXXX XXXX XXXXXXXX was settled Asking for billing to be stopped and account canceled badcock
Frequently Asked Questions
What is Complaint #12965355 about?
Complaint #12965355 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-13T12:00:00-05:00.
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.