Debt collection -- Attempts to collect debt not owed -- Complaint #4757258
Complaint Overview
Complaint ID: 4757258
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: XXXXX
Date Received: 2021-09-27T12:00:00-05:00
Date Sent to Company: 2021-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Jefferson Capital Systems LLC is trying to collect a fraudulent ( never existed ) debt of XXXX. Some months ago I received a letter from a company called " XXXX '', I believe they claimed that they were based in Minnesota. They claimed that I owed a debt of over {$2100.00} from a XXXX transaction. I had NO recollection of ANY unpaid debts, and so I contacted XXXX, which said that no such transaction had ever existed in all their years of records for my ( long unused ) account with XXXX. XXXX repeatedly called me. After repeatedly telling the callers that XXXX had confirmed there is no such debt as the one claimed they still persisted. XXXX sent me a letter ( from Illinois ) claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule. I believe that they said they were part of " Jefferson Capital '' On XX/XX/2021 I received a notice in the mail from " Jefferson Capital '' claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule.
Frequently Asked Questions
What is Complaint #4757258 about?
Complaint #4757258 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-27T12:00:00-05:00.
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.