Consumer complaint received 2017-03-29
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Around mid XXXX I received a letter from XXXX regarding XXXX, naming " current creditor '' as JEFFERSON CAPITAL SYSTEMS LLC Account Number XXXX in the amount of {$1700.00}. I knew there were alot of fake companies out there claiming consumers owe fake debt so I chose at the time to ignore it. Im sure I recieved many calls but I never answered unknown numbers. 

Around mid XXXX I received a debt collection letter from a company called XXXX. not sure what this was, so I got a copy of my credit report. I did not find this particular company on it but did see Jefferson Capital Systems with different account numbers, and amounts. I have NEVER received any letter from Jefferson Capital Systems. I have never signed a contract with them either, so again I ignored it. I did not receive anymore, to my knowledge, any letter concerning this alleged account. 

Approximately around XXXX I received a letter from my local courthouse that I was being sued by Jefferson capital Systems LLC with a court date of XXXX. I never received any certified letter or any postal letter from the lawyer nor Jefferson Capital Systems LLC that I was being sued. I went to court and they did not show up so the judge according to local court rules he accepted my plea of contesting this friviolous lawsuit and set a hearing date to XXXX. They phoned in and another date has been set for XXXX. I made the statement in court th After spending countless hours researching my rights and wisconsin laws I realized that I could request documentation to validate the alleged debt. I faxed a request on XXXX ( attached ) to XXXX, the lawyer for Jefferson Capital Systems LLC. That reqest included ALL charges from a zeo balance to final amount so I could inspect if this account was valid. I also requested any and all documents including the original written contract I signed with XXXX and/or Jefferson Capital Systems. In return I got a almost XXXX page discovery requests in the mail. It was very intimidating to say the least! After reading it over and over I feel the lawyer is trying to intimidate me into messing up my answers and also he is clearly telling me what I have to say and how to say it at that. I contacted a free legal service office in Wisconsin and she reviewed my case and offered advice but they could not take the case. 

Here is her response to the plaintiffs requests : A few observations about the paperwork you sent to me : - There is only a list of accounts for the last 'bill of sale. ' How does one know that your account was in the previous sales without a list of accounts or something similar? You should request those from the plaintiff by sending your own discovery list to the plaintiff. 
- The signatures on the bills of sale are not notarized, so they can not be taken as evidence without further affidavits or testimony from a company who knows of the sales. If you go to a hearing, you should point this out to the judge. 
- Look at the addresses on the XXXX statements. They are different. Did you have mail go to those addresses at those times? 
- Bill of sale says " no warranties '' so they can not guarantee that the documents are correct by the seller so you should request statements that show how the plaintiff came to the amount due on the complaint. 
- The first bill of sale says that all accounts transferred from XXXX to XXXX " except for any interest of XXXX. '' So you should question if XXXX accounts were actually included in that transfer and sale. 
this has caused extreme XXXX and XXXX on me and my family can validate this. I have filed a request for production at the courthouse as well on XXXX. Next court date is XXXX.

Company response to consumer: Closed with explanation