Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
Please see the email below that I sent to XXXX XXXX XXXX in reference to my account. This will explain the issue that I am having with them. I have removed all identifying information. 

XX/XX/2025 XXXX our conversation on XX/XX/2025. I am requesting for the XXXX time a debt verification as it relates to my XXXX XXXX XXXX account. As I stated my credit limit with XXXX was not over {$5000.00} dollars and I was scheduled to have my account pay off in full last year XXXX. As of today, I have paid a total of {$5600.00} per your representative- and you are now stating that I still have a balance of {$6400.00} this is not accurate. This would have meant that I had a {$12000.00} credit limit with XXXX no one has the amount given to them for credit as confirmed by a previous XXXX employee. I have asked you to send me all signed contracts and a copy of all payments reflecting the balance due. I again requested this information on XX/XX/2025, with your representative - who now informs me that the information will be requested and sent to me by email, but it may take 21 days. I then spoke with - on XX/XX/2025, and again requested the documents he advised me that the documents were on the way. Now today XXXX the XXXX, 2025, I spoke with who advised the documents was sent to me to review he also gave me this number to call and speak with his supervisor XXXX, again no success. I did go to the email that was sent to me, but it does not work. Whether you attempt to login with your account which I was given the incorrect account number by - or my date of birth with the last 4 digits of my social security number I received an error message. Please see the attached photos. I am again requesting that you send me a debt verification for my XXXX XXXX XXXX account. Threats have been made to destroy my credit, but I do not owe XXXX XXXX XXXX the money that is stated that I owe. And I would like this matter to be corrected. 
Your prompt attention to this matter will be appreciated. 

I am requesting your assistance with resolving this matter with XXXX. I am receiving telephone calls almost daily and they are threatening to destroy my credit. My coworker also had an account with XXXX that he paid in full prior to the store closing. These same individuals called her and advised her that she also owe them, but they were quoting her that the amount that would reflect everything that she ever purchased it is like they are trying to make you repay for items that you have already paid for in the past. They continue to call her until she was able to find her receipt that was stated paid in full and sent them the receipt. Once they received the receipt, they had not clear explanation as to why they were trying to collect on a paid account. These people are using predatory measures to collect money, and they are threatening to destroy people 's credit while trying to collect monies that are owed to them. Please assist me with this matter.

Company response to consumer: Closed with explanation