Consumer complaint received 2017-12-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC (AZ)

I had XXXX XXXX student loans that were relatively small, well under 5k. I was under the impression that my payments were in good standing, next thing you know I 'm getting calls from XXXX XXXX and XXXX XXXX saying that I owe money and I owe them now or else. Or else what? ( This was the end of XXXX XXXX XXXX they said they had the power to seize my truck, and that they would be garnishing my grandparents income ( they are in mid XXXX and in bad health ). Well of coarse these threats scared me, and XXXX and or XXXX XXXX XXXX would call me sometimes 5 times a day as early as XXXX ( im confident that att could pull up these statements from that period to support this ). Anyways long story short, a man named XXXX would make threats on behalf of XXXX XXXX XXXX, about the above, he said this would all happen if I did n't settle up immediately, well not having a lot of money he told me he would stop calls and leave my grandparents alone, and to do this he wanted XXXX now, he said then two wks later he wanted another XXXX and the following month XXXX at this point he told me I would be settled up, debt paid in full, and this nightmare would be over. I gave him the XXXX payment fast being scared out of my mind and wanting to protect my grandparents. I followed up with the payments but asked him before the last one for a receipt. XXXX told me no to a receipt and said my statement is all I needed and would get. I asked again nicely, he said no and refused to send me proof. I was very worried about all of this because the same XXXX told me he would accept XXXX a month after a payment of XXXX and XXXX followed up with an email which I still have, demanding I reply 'agreed upon 'and returned, when I went to do that deal he said it was no longer on the table and pushed me for more. Anyway, XXXX and XXXX XXXX XXXX both got my money and all was supposed to be done and over. Four years later XXXX has hired a law firm from AZ named XXXX XXXX to collect for the same debt I have already paid for, I responded asking for Validity, they supplied me with someone else 's information, complete with all of her dob, ss number and lots of personal info.. So for months I had no validation of what I asked for and who knows where my info is ( I still have all this woman 's info and paperwork complete with XXXX letter head on letters ) I called XXXX and got hung up on when I tried to explain what they have done ( probably a fdcpa violation in there some place I 'm assuming ) I called back again and told them what I wanted and what I did n't receive, finally a list of payments none reflecting any of my payments or admitting that I have already settled this debt. I asked for a chain of custody, they gave me a bill of sales from XXXX XXXX, but no place does it have my account numbers or name on the bill of sale. It just says XXXX XXXX sold debt to XXXX on a certain date. I called XXXX at XXXX and he admitted that I made the three payments he said XXXX took the debt back and that he would not provide me with any information or receipts of payments so I can show a judge in the future. He did confirm that the payments were two go towards three loans, two of which we are talking about now. I never had a chance to review the validation papers because XXXX provided someone else 's private info to me instead of mine. XXXX filed suit on me in justice court on XXXX. I called XXXX and asked them to stop law suit because I paid this already, the response I received was that they already filed and that it cost them money to do so, so no they would n't stop. I went to XXXX XXXX XXXX  and already have one of three payments showing that XXXX collected from me on behalf of XXXX, but XXXX does not show this in payment records. I feel I got scammed and am getting scammed again, I intend to fight this to the end and hopefully expose XXXX and their bullying tactics of threats and lies. As of now I have not recieved service so only the cases have been filed. I 'm stressed every day and night about an issue that should n't be.