Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: VA

Complaint narrative:
Collection Company : Jefferson Capital Systems , LLC Phone : ( XXXX ) XXXX Address : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Jefferson Capital Systems , LLC, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by Jefferson Capital Systems , LLC regarding a debt they currently hold under my SSN. 

Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was further outsourced for collection with affiliated companies that they would see the account notated for no contact as well. Jefferson Capital Systems , LLC has refused to acknowledge any notices and aggressively engages in blatant FDCPA violations even when advised they are breaking the law. 



Jefferson Capital Systems , LLC has willfully engaged in a complete disregard for my request to cease contact, and to discontinue disclosing details about personal debts to mulitple 3rd parties, despite Jefferson Capital Systems , LLC receiving FIRST and SECONDARY cease and desist request ( s ) with notice ( s ) of intent to file bankruptcy delivered to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX MN XXXX Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have engaged in relentless aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls to my father ( same name ), other relatives, and roommates. They impersonate legal officials and claim to be the lawyers handling the lawsuit directly when battering the phone lines of my relatives and myself with relentless robocalls and calls from spoofed phone numbers. They advise that that have already obtained a default judgement and refusal to pay will incur further penalties and further court charges. Jefferson Capital Systems , LLC has taken full advantage of the pandemic to operate outside the requirements of the law. I have secured my fathers and other relatives phone records validating the time of contact and all the numbers can be traced back to Jefferson Capital Systems , LLC. 



Jefferson Capital Systems , LLC is further advised for immediate notice in this escalation complaint addressed to the CFPB, FTC, and Virginia State Attorney Generals office to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. This letter further requests that they stop disclosing the creditor information, balances and other protected information about my debts with 3rd parties. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. 



I feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing the details regarding the debt. Jefferson Capital Systems , LLC has received the separate notice ( s ) advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although I am working with several legal firms who have offered to take up my harassment case against Jefferson Capital Systems , LLC whether individually or in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to Jefferson Capital Systems , LLC. In order to fraudulently obtain the default court judgement in their favor ( that they told my father it was already awarded by a judge and he should help pay he was very clear that it was not his debt ), they are consciously falsifying their contact records and will deny any receipt of my correspondence or debt information disclosure to 3rd parties in order to continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records for my account as well as the other accounts they service. 



In the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to my family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my XXXX XXXX  state to the point of XXXX. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of Jefferson Capital Systems , LLC in my state. Regarding my concerns, I am requesting a further investigation into Jefferson Capital Systems , LLC including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against Jefferson Capital Systems , LLC, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by harassing me, disclosing my debts to 3rd parties, impersonating legal officials and intimidation tactics, while flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.

Company response to consumer: Closed with non-monetary relief