Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding the handling of a vehicle surrender with XXXX XXXX, as well as the related collection account now being reported by Jefferson Capital Systems. Due to the recent XXXX XXXX of my daughter, I am unable to recall the exact dates of every conversation, but I spoke with several representatives at the XXXX XXXX location on XXXX XXXX XXXX XXXX in XXXX, NC. During these conversations, I was given the option to voluntarily surrender the vehicle ( a XXXX XXXX ). I followed their instructions and returned the vehicle to their location. I have photographs showing the vehicle at the dropoff site. After the vehicle was left at the XXXX XXXX location, a police officer came to my home because XXXX reported the vehicle as stolen. When the officer arrived, I provided my statement and explained that the vehicle had been turned in as instructed. The officer then went to the XXXX office and confirmed with their representatives that the vehicle had in fact been surrendered and was not stolen. The vehicle was turned in on XX/XX/year> per the photos I have in my phone. XXXX should have multiple recorded calls from me around that time discussing the surrender and confirming the instructions they provided. I am requesting that the CFPB review this matter, including the recorded calls, because the companys actions caused unnecessary distress during an already traumatic period. I am asking for this issue to be corrected and for the company to acknowledge the proper handling of the vehicle surrender. In addition, I am filing a complaint against Jefferson Capital Systems regarding a collection account in the amount of {$7600.00} that is now reporting on my credit report. This appears to be related to the XXXX XXXX account. I do not owe this debt. XXXX XXXX is refusing to provide me with the full account number, which prevents me from properly disputing the account. I contacted them directly and requested the account number so I could verify the debt and submit a dispute, but they refused to provide it. I have attached screenshots from XXXX XXXX showing that no account number is listed, only Jefferson Capitals name and the balance. Because they will not provide the account number, I can not confirm the original creditor, the date of the alleged debt, or any documentation supporting their claim. I previously disputed this account, and Jefferson Capital denied my dispute without providing validation, proof of ownership, or any identifying information. I have never received a debt validation letter as required under the FDCPA. I am requesting that the CFPB require Jefferson Capital Systems to provide the full account number, provide complete debt validation including proof that the debt belongs to me, and remove the account from my credit report if they can not validate it after the surrender calls are verified. At this time, I am unable to verify or dispute the debt properly because Jefferson Capital is withholding the information required to do so.

Company response to consumer: Closed with non-monetary relief