Consumer complaint received 2023-05-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capitol Systems aka / XXXX XXXX XXXX XXXX Aka Jefferson Capitol LLC/Aka Jefferson XXXX keeps appearing on all 3 major credit bureaus, this company is in violation of thr FCRA, because once the item is proven to be paid with payment receipts of the {$2400.00} to the 3 Major Bureaus, they violate the FCRA by Re-inserting their account under different aliases. The Debt was paid before Jefferson Capitol Systems took it over, This Complaint I am submitting I am requesting a Debt Verification. And this is what Jefferson Capitol Systems needs to verify, they need verify XXXX XXXX XXXX phones both worth {$1200.00} per phone totalling {$2400.00} were returned and balance paid in full with receipts from the original creditor. Requesting Debt Verification. 

Merchandise ( 2 XXXX worth {$2400.00} ) - verify if they recieved the phones. 

Verbal Agreement with Original Creditor- if both phones ( Merchandise ) are returned back to XXXX , they agreed to write off the not part but ( ALL ) of the balance. Meaning- Consumer requires receipt after consumer returned merchandise to original creditor, so after XXXX XXXX were returned, and a payment of {$920.00}, plus an additional payment of {$150.00}, XXXX issues receipt stating they wrote-off the balance after phones was received, and also they sent reciepts with pictures/photocopies of the XXXX merchandise returned valued at {$1200.00} for one, and {$1200.00} flr the second phone I returned to them showing phones were paid off {$1200.00} + {$1200.00} -- -- -- -- -- -- -- -- -- = {$2400.00} ( written off ) Seems that Jefferson Capitol Systems does not know what a write-off is so here is the meaning. 

If a creditor writes off a debt, it means that no further payments are due. In addition : the balance should be set to XXXX on credit reference agency reports. 

If Jefferson Capitol Systems continue collection activities on a debt that was already paid, consumer will be forced to hire an attorney and sue under the Fair Debt Collection Practices Act ( FDCPA ) for violations. 
For a [ Fraudulent Delinquent Balance Payment Request. ] This has been an ongoing issue with Jefferson Capitol Systems, and there are numerous other consumers who are experiencing the same issue this consumer is, Jefferson Capitol Systems needs to close this account out of they can not verify the debt is a charge-off and not a write-off. 
I am not the only consumer they are doing this to trying to collect debt not owed to them. 

History with Jefferson Capitol Systems : ( Research copied and pasted from Attorney website ) What Are Common Complaints Against Jefferson Capital Systems/CL XXXX XXXX ? 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of Jefferson Capital Systems/CL XXXX XXXX XXXX Examples of common *complaints against Jefferson include trying to collect a debt not owed *and improper communication tactics. 

The following two real-world examples of complaints against Jefferson Capital Systems illustrate these types of alleged violations.

Consumer alleges Jefferson uses improper communication tactics A company called Jefferson Capital Systems is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages Consumer alleges attempts to collect a debt not owed Jefferson Capital System said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt

Company response to consumer: Closed with explanation