Debt collection -- Took or threatened to take negative or legal action -- Complaint #18008223
Complaint Overview
Complaint ID: 18008223
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: Ohio
ZIP Code: 43160
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Company : Jefferson Capital Systems , LLC Collector/Law Firm : XXXX XXXX XXXX XXXX XXXX Issue : Attempting to collect a debt they do not own/ failing to validate/ misleading legal documents Type of Problem : False statements or misrepresentations ; Threatened or took illegal actions ; Inadequate documentation Jefferson Capital Systems is attempting to collect a debt they do not legally own. The original creditor was XXXX. XXXX XXXX states they purchased the account. However, Jefferson then assigned or transferred the alleged account to XXXX XXXX, as confirmed on an official website showing XXXX XXXX as the current owner of the account. Jefferson Capital has not provided any documentation proving the account was transferred back to them or that they currently have legal ownership. I sent a written validation request asking for proof of ownership and a full chain of title showing every transfer of the debt. Instead of providing this, Jefferson CapitaXXXX sent only documents referencing themselves and did not provide any proof that XXXX XXXX no longer owns the debt. They failed to validate the debt under 15 U.S.C. 1692g. Despite this failure, Jefferson Capital ( through XXXX XXXX XXXX ) proceeded with legal action and mailed documents styled to resemble a court judgment before any judgment was entered. These documents came from the law firm, not the court, and misrepresented the legal status of the account. This violates 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 5 ), and 1692e ( 10 ). Jefferson Capital is actively misrepresenting ownership and attempting to collect without legal standing. They also initiated litigation without providing validation or resolving the ownership contradiction. I am requesting the CFPB investigate Jefferson Capital Systems and XXXX XXXX XXXX for : Failure to validate the debt Misrepresentation of the legal owner Continuing collection after a validation request Misleading and deceptive communication Attempting to sue without legal standing I am willing to provide screenshots of XXXX XXXX ownership listing, copies of the mailed documents, copies of my validation request, and the contradictory responses from Jefferson Capital.
Frequently Asked Questions
What is Complaint #18008223 about?
Complaint #18008223 was filed against Cl Holdings LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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.