Debt collection -- Written notification about debt -- Complaint #18357030
Complaint Overview
Complaint ID: 18357030
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Arizona
ZIP Code: 85323
Date Received: 2025-12-29T12:00:00-05:00
Date Sent to Company: 2025-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I dispute this account because the furnisher failed to accept written correspondence. Written notice regarding accounts being collected was sent to the furnisher via XXXX with tracking. XXXX records show the correspondence was made available to the furnisher and subsequently returned as Unclaimed / Forward Expired. A furnisher that refuses or fails to accept written correspondence can not demonstrate reasonable procedures to ensure accuracy or conduct a lawful investigation. Because the furnisher failed to accept and review written correspondence, this account can not be verified and must be deleted. This is for ALL the accounts Jefferson Capital Systems , LLC claims to own and collect for because the letter was in reference to all accounts. XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #18357030 about?
Complaint #18357030 was filed against Cl Holdings LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-12-29T12:00:00-05:00.
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.