Debt collection -- Written notification about debt -- Complaint #8444060
Complaint Overview
Complaint ID: 8444060
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Connecticut
ZIP Code: 06705
Date Received: 2024-02-28T12:00:00-05:00
Date Sent to Company: 2024-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, Ct,XXXX ( XXXX ) XXXX XXXX XX/XX/2024 JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Disputed Debt, Consumer Rights Violations, Request for Validation, Revocation of Communication Consent, Licensing/Bonding Request Dear Jefferson Capital System and Consumer Financial Protection Bureau , I am writing to dispute any and all alleged debts that Jefferson Capital System claims I owe. I am also formally filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as I believe Jefferson Capital System is engaging in practices that violate my rights under the following consumer protection laws : * 12 CFR 1006.34 ( b ) ( 5 ) : ** Prohibits debt collectors from misrepresenting the amount of debt owed. * 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** Prohibits debt collectors from communicating or threatening to communicate false credit information. * 12 CFR 1006.34 ( d ) : ** Prohibits debt collectors from using obscene, profane, or abusive language. * 15 USC 1681-S2 ( 7 ) ( A ) : ** Prohibits debt collectors from misrepresenting themselves as associated with any governmental unit or administration *Revocation of Communication Consent* I am hereby revoking all previous consent for Jefferson Capital System to contact me via email, text message, or telephone. In accordance with my rights, any further communication must be done in writing via the United States Postal Service. *Debt Validation Request* Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Jefferson Capital System provide the following information to validate this alleged debt : * The name and address of the original creditor * The original amount owed * A detailed breakdown of how the current amount was calculated ( including interest and fees ) * A copy of the purchase agreement between Jefferson Capital System and the original creditor *Licensing and Bonding Information* I also request that Jefferson Capital System furnish proof that it is properly licensed and bonded to operate within the state of Connecticut. *Formal Complaint and Further Action* I believe the actions of Jefferson Capital System constitute serious violations of my consumer rights. I intend to pursue all available legal remedies if Jefferson Capital System does not immediately cease its unlawful collection practices, remove any inaccurate information from my credit reports, and provide the requested information. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8444060 about?
Complaint #8444060 was filed against Cl Holdings LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-02-28T12:00:00-05:00.
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.