Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (WA)

In XXXX we received a loan through XXXX XXXX. 
Recently, we received a summons to district court ON BEHALF of Jefferson capital systems LLC from their attorney XXXX XXXX XXXX. 
Apparently, XXXX XXXX sold our debt to Jefferson Capital Systems LLC without notifying us or obtaining our written consent. We have not received any notices, letters or any form of communication from any creditors instructing us that our debt has been sold or purchased and have not been given any chance to pay our debt or instructions on how to do so nor have we received any documentation stating that they are in fact authorized to collect on behalf of our original loan servicing company XXXX XXXX nor have they provided any original documentation with our written signature. The only documentation that we have received from Jefferson Capital System LLC states that in XXXX we received a loan. This document also says that our loan has been paid in full and has what looks like our signature dated XX/XX/XXXX for {$7000.00}. The only other documentationJefferson capital systems LLC has provided attached to the court summons is a document that states that its from XXXX XXXX and is dated for XXXX. This document is a copy and has an electronic signature. This signature is not my signature nor did I release anyone to sign electronically for me or to use my likeness on any form. I am requesting that Jefferson Capital Systems LLC provide proof that they are authorized to use my likeness and/or sign electronically otherwise this is a forged signature and I am treating this document as fraudulent which is a predatory lending practice. On our credit report it says both XXXX & XXXX loans are CLOSED. Jefferson Capital Systems LLC has not contacted us in any regard other than to issue a summons to court stating that we have 20 days from the date of this letter to respond or they will move forward and consider all charges true and valid. We were not notified nor were we aware that our loan was sold to Jefferson Capital LLC until we received a summons from their attorney XXXX XXXX XXXX to appear in district court to pay the amount of the loan {$8000.00} We didn't give Jefferson Capital Systems LLC permission to purchase our loan nor does XXXX XXXX have permission to sell our loan. And none of the documents provided state anywhere that by signing we release them to sell, purchase, gift or transfer our loan to another creditor. The only documents Jefferson Capital Systems LLC provided do not have our signatures on them they are copies. 

When my husband lost his job in XXXX due to the pandemic. We reached out to XXXX XXXX for a loan modification to lower the monthly amounts. XXXX XXXX finally responded back to us in regards to our request for a loan modification after an inordinate amount of time stating that the person who had been working on our loan modification was no longer with XXXX XXXX and that they are sorry that it's taking so long. when I called XXXX XXXX they told us not to pay because a loan modification was in progress. The next thing I know our loan was just placed into collections. Upon further scrutiny apparently our debt had been sold more than once without us having ever received any notification other than a letter from indebted stating that it's for XXXXXXXX XXXX XXXX.We have not received anything from Jefferson Capital systems LLC and they have made no attempts to contact us at all except for a the court summons.