Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
My complaint is about a debt collector Jefferson Capital System LLC. They are claiming that I owed a credit card debt with an amount of {$3800.00} back in year XXXX  with XXXX  XXXX XXXX. First, I received a call from them XXXX this year informing me about this debt. On my best knowledge and recollection, I don't have any credit card with this amount of credit card limit even back in XXXX  or 19 years ago. So I told to the person I spoked to that I did not owe anything from XXXX  XXXX XXXX with a credit card like that. He was so rude yelling at me that it is my debt and my responsibility to pay it. I can not pronounce his name also he has this XXXX accent. 

Then on XX/XX/XXXX, I received an anonymous call that letting me know that there will be an attempt to serve me a court summon filed against me on my home address or place of employment. The caller not even identifying herself stated that if I did not call back this law firm with a certain number XXXX and I will be in danger to miss a court date and I will be in default judgement. On my mind this must be a scam so I did not answer this unknown caller. On XX/XX/XXXX anyways, I decided to call that number because it stressed me out, it deprived my sleep and I am scared to be in default judgement. I found out the name of the law firm is " XXXX XXXX XXXX '' stating that the summon is about this credit card debt. They even said that I owe a flat {$5000.00} instead of {$3800.00}, that's misleading to me. They also threaten me that if I did not negotiate with this debt they will put lien on my car or garnish my bank account. I googled and research this law firm but nothing came out with this name or even an address of the business. It is sound shady to me. So I realized that my personal information was involved on a fraudulent activity. On the same day I called XXXX  XXXX XXXX ( also my bank for checking account ), to verify this debt that this law firm and XXXX XXXX claiming about. XXXX XXXX XXXX have no records of anything this credit card account on my name, or signed contract bearing my signature, and any monthly payments I made towards this credit card debt. Now I am alarmed thinking my personal information is compromised. I called the 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) to freeze my credit file thinking that they will damage my credit. I also inquired if this account is listed on my credit report. This debt is not even listed on my 3 credit bureaus report. I also called the police on the same day to file a police report but the police department refused me to file a complaint. Letting me know that let these people sue me to court and defend myself. I also filed a complaint online to the Federal Trade Commission about this incident. 

On XX/XX/XXXX, I received a statement of debt from XXXX XXXX. Why XXXX XXXX just sending this now before they attempt to sue me in court? It's been a month over now when XXXX XXXX XXXX threaten to sue me in court. I did not received anything from this law firm, any single letter or this summon they talking about until now. 

This insanity is not finished yet. On XX/XX/XXXX I received another unknown caller number from a certain law firm again not the same one before but a different law firm stating again a court summon about this debt. Again if I missed the court date I will be in default and will received a judgement against me without my knowledge. Their number is XXXX. When I called and inquire about the name of this law firm he pronounced the name in a quick manner, so the name is not really clear for me. He is asking me about my personal information like my social # and birthdate. I did not give it to him my personal information because I know already this might be a scam and I don't want to compromise my personal information. He also threaten me that if I did not cooperate he will see me in court. I did not bother to call back with this shady law firm anymore instead I sent a " Validation Letter '' of debt on XX/XX/XXXX to XXXX XXXX. The letter is still on transit as of today and waiting for them to receive this registered mail with return receipt. 

Please I need help and resolution with this issue. I might be a victim of fraud or scam.

Company response to consumer: Closed with explanation