Debt collection -- Written notification about debt -- Complaint #18286032
Complaint Overview
Complaint ID: 18286032
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Notification didn't disclose it was an attempt to collect a debt
State: Maryland
ZIP Code: XXXXX
Date Received: 2025-12-25T12:00:00-05:00
Date Sent to Company: 2025-12-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a notice stating that a XXXX credit card account with an alleged balance of {$2300.00} was charged off and sold to Jefferson Capital Systems , LLC in XX/XX/year>. I do not recognize this account transfer and do not have any business relationship or account with Jefferson Capital Systems , LLC. I was not a party to any sale or assignment and do not recall opening or authorizing an account that would result in this action. Upon receiving the notice, I disputed the validity of the account and requested written verification and documentation supporting the claim. As of this filing, I have not received a clear explanation or resolution, and I am concerned this may be an error or incorrect account attribution.
Frequently Asked Questions
What is Complaint #18286032 about?
Complaint #18286032 was filed against Cl Holdings LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-12-25T12:00:00-05:00.
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.