Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing in regard to the above-referenced collection accounts to inform you that I am disputing late payments and collections being reported on my credit report. 

I am disputing this debt because automatic payments were set-up and not drafting due to XXXX XXXX XXXX being in bankruptcy proceedings. 

I've used XXXXXXXX XXXX  XXXX XXXX since XX/XX/XXXX, without any major disruption or incident on auto-pay until XX/XX/XXXX, when my auto-pay feature unexpectedly and inexplicably stopped. I was not aware of this until XX/XX/XXXX. On the phone with a XXXXXXXX XXXX  XXXX XXXX rep, I verified that my current payment card information was in fact still current, which they could not tell me why the amount did not debit. 

Autopay on the XXXX XXXX XXXX bill payment website ( XXXX ) is a misrepresentation and should not be offered when it isnt available, this is not fair to me as a consumer, and I feel defrauded by this experience. I believe that each official agency and each credit agency should consider this circumstance not as a standard but as the unexpected circumstances that do occur when businesses get it wrong. ( My feelings as a " consumer '' are that XXXX XXXX  XXXX XXXX halted their autopay to purposefully create a scenario whereby if they stop auto payments, they can report debts to credit bureaus during bankruptcy proceedings and profiting from the supposed " debt ''. Consumers like me trusted that the bill pay system would work like it has for the last 4 years. ) The account was sent into collections and reported as late payments on my credit report during active bankruptcy, filed in XXXX of XXXX, as attached in exhibit B. 
Screenshots of the active debit card monthly auto-debit accounts on conns website are attached in exhibit B. 

In addition, I have also attached exhibit C and exhibit D with all the numbers XXXX XXXX XXXX has called me from where they did not present themselves at all or leave a voicemail stating their identity or their purpose. They used robotic-callers with several different numbers. I have already registered my phone number XXXX on the National Do Not Call List, years previous to this. I received several harassing phone calls each day from a foreign call center, at one point 8 times in 4 days. I have attached the missed calls that were robotic numbers that had local area codes, these are attached in exhibit C and exhibit D. 

When I would receive the calls, I would refer to the XXXX website to check on the auto-pay status, it reflected an Active status, then after checking my account, the funds were available, I surmised that the glitch would be caught and that the amount would be automatically debited. Much to my dismay, before I was even aware that this was a month behind, this was reported against my credit, which I am disputing formally with this correspondence and evidence. I am currently having this SAME issue with my other account, and my conclusion is that this interruption was due to the bankruptcy. Regardless, I perceived and interpreted and felt that these multiple calls from multiple numbers were in fact, harassment. 

We ended up paying off the balance of Acct # XXXX on XX/XX/XXXX, XXXX this is in exhibit E. 
Please make note that this amount was paid with the SAME debit card ending in XXXX, expiration of XX/XX/XXXX. Also- please be advised that we never received any written confirmation of final pay-off from XXXX, as requested via phone call on XX/XX/XXXX. I called XXXX. 
I received an email on my XX/XX/XXXX stating that my funding account expired, when it is not. I use this debit card on a daily basis, they are not sending accurate information and this is clearly shown in exhibit F. They are actively doing this same thing to my other account with them- Acct # XXXX. 

As of today, XX/XX/XXXX, I have had to make manual payments since XX/XX/XXXX, even with automatic payments set up and confirmed online to be scheduled. The FTC regulates " negative option '' programs, where a business takes a consumer 's silence as permission to charge them for recurring payments. Why was this program altered or halted? I have since been making one-time payments because I do not trust the program, nor do I have faith in its due diligence. These actions seem to reflect dark patterns in fair trade and/or that the company is seeking to make more through late fees during their bankruptcy proceedings. 

My request for remedy is to have any late payment and/or collection account from XXXX XXXX XXXX removed from my credit report with all 3 credit bureaus. 

On XX/XX/XXXX, a check was issued to me by an unknown " Creditor '' Jefferson Capital Systems , LLC for the amount of {$110.00} for XXXXXXXX XXXX XXXX XXXX- though XXXX XXXX can not find any account for us, they also can not tell me what this check is for or why it was sent to collections when they don't have records of me. Why would they issue a check for an account holder that does not exist? They can not answer that questions, I called XX/XX/XXXX and I was told I would receive a call back by the end of the week. 

Thank you for your attention and time in this matter. I appreciate both. 
Please let me know if you have any questions. My contact information is above and below this correspondence. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TEXAS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation