Consumer complaint received 2015-11-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, XXXX ( XXXX ) responded to my complaint I filed through the CFPB. Convergent stated a XXXX XXXX Bank Checking account was placed with XXXX " for collection purposes with Jefferson Capital with a balance of {$190.00}. '' XXXX stated that Jefferson Capital Systems , LLC. ( Jefferson Capital ) is collecting a XXXX XXXX XXXX checking account. I do not recall ever having a debt with XXXX XXXX. Over a decade ago ( in XXXX or XXXX ), I had a XXXX XXXX checking account. But within that same year, I went to my local branch and closed the accounts. The banking representative specifically told me that he will close my accounts and I will not owe anything. I did not have any account fees, any outstanding checks, outstanding items, or any pending transactions at the time I closed the accounts. The alleged debt that XXXX and Jefferson Capital claim I owe is bogus and invalid. The alleged debt is time-barred. XXXX XXXX would not let me close my accounts if I had owed them money. Convergent and Jefferson Capital are lying. I have not ever received anything from XXXX XXXX, XXXX, Jefferson Capital, or anyone or anything about this alleged debt. XXXX response indicates that they spoke with Jefferson Capital and Jefferson Capital will not continue collection efforts and will not contact me. 

To be clear, regardless of my above statements or any other statements I may have made : This complaint is not a dispute. I am not disputing nor acknowledging a debt or an alleged debt. I am not disputing nor acknowledging the amount of the alleged debt or any amount or portion thereof. I am not requesting documentation of the time-barred alleged debt. I am not seeking verification of the time-barred alleged debt. This is not a dispute, 809 ( c ) of the FDCPA, 15 U.S.C. 1692g ( c ). 

CEASE COMMUNICATION : Pursuant to FDCPA 805 ( c ), 15 U.S.C. 1692c, I am writing that, upon closure of this CFPB complaint, I wish the aforementioned, debt collectors, and anyone and anything that not specifically mentioned but may have been, may be presently, or may be future connected or related to any and all of the aforementioned to cease any and all further communication with me. This notification from me to the aforementioned establishes, constitutes, and satisfies reasonably the requirements of FDCPA 805 ( c ) that my requests for cease communication must be in writing. Upon closure of this CFPB complaint, all communication must cease. 

The aforementioned may not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. The aforementioned and anyone and anything that not specifically mentioned herein may not gather or retrieve my credit report ( s ) and/or consumer report ( s ) via permissible purpose, FCRA 604, 15 U.S.C. 1681b. The aforementioned do not have and no longer has a permissible purpose to gather or retrieve my credit report ( s ) and/or consumer report ( s ). 

Pursuant to FCRA 616, 15 U.S.C. 1681n, I will sue Jefferson Capital Systems , LLC. ; XXXX XXXX, XXXX ; and the aforementioned for the greater of the sustained actual damages or {$1000.00} per violation, the costs of the civil action together with reasonable attorney 's fees as determined by the court, and any such amount of punitive damages as the court may allow. 

I demand Jefferson Capital Systems , LLC. ; XXXX XXXX, XXXX ; and the aforementioned to cease any and all communication with me. 

If aforementioned gather or retrieve my credit report and/or consumer report, I will pursue legal action. If the aforementioned communicate with me, I will pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation