Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX for a XXXX XXXX back in the year XXXX. I had voluntarily called and gave it back up for repossession for other reasons. 

The night the tow truck came we discussed he was at the correct address and this was the correct vehicle. I proceeded to hand him the car keys and I told him Theres no need to tow it, here are the keys and it drives perfectly fine and is still under registration and has enough gas to get you to a gas station of his choice. He then proceeded to take the keys and get in and drive away as the tow truck followed behind. 

At the time of voluntarily repossession, I had a total balance due left on the car in the amount of {$6400.00}. The next day I spoke on the phone with XXXX financial to confirm the vehicle pickup and the XXXX XXXX was now in their possession and they confirmed, yes. XXXX then mentioned that the vehicle would be put up for auction and the amount it sold for would be deducted from my total amount due of {$6400.00}. 

Moving on to post auction, the XXXX XXXX was sold for {$3400.00}. That total was then deducted from my total amount due of {$6400.00}, bringing my new total amount {$2900.00}. 

A couple of days went by as I proceeded to get together the money I thought I owed them rightfully and I received a phone call from my old car insurance I had for that vehicle, which at the time of this phone call the insurance policy had not been active weeks prior and leading up to this day of the insurance phone call or repossession. XXXX XXXX from XXXX, the insurance company, then proceeded to tell me that XXXX XXXX XXXX tried making a claim under my insurance policy for XXXX XXXX XXXX for a damaged hood, front bumper, and front tires of the car trying to tow it later after it was already in XXXX financial services possession. They sent me pictures and emails, which I have photo evidence. 

As I waited to decide and think what I should do about my remaining balance due over the next couple of days, I received an email from XXXX XXXX services stating their records show I have a balance of {$2900.00} due and that XXXX XXXX XXXX is offering to consider my account satisfied if I make a single, reduced payment in the amount of {$590.00}. I also have photo evidence and proof of this. 

I did not make that payment because I still thought it was unethical they tried making an insurance claim under my insurance policy so I waited to think more. Moving on days, post insurance call, Jefferson Capital Systems , LLC had purchased the debt from XXXX XXXX XXXX. Jefferson Capital Systems , LLC got no response from me. 

Moving on, XXXX XXXX XXXX, out of XXXX, Tx acquired my debt account from XXXX XXXX XXXX XXXX. 
I received a letter in the mail dated XXXX stating they are XXXX XXXX XXXX, a debt collector, and they are trying to collect a debt that I owe Jefferson Capital Systems , LLC. 
The letter then continues and states to confirm I had an account with XXXX XXXX XXXX XXXX. It then show as of XX/XX/XXXX I owed {$6400.00}. Further down it then shows I was credited {$3400.00} ( auction ). At the bottom of the letter it then stated that the total amount of debt was now {$2900.00}. I also have photo evidence and proof of this as well. They did not mention XXXX XXXX XXXX offer of {$590.00}, which I have photo evidence as well. 

I tried calling the insurance company back for more information and details but they stated, XXXX XXXX, the claims specialist for this claim was no longer employed by esurance. 

I do not believe I owe any amount towards this debt for the fact that they falsely and fraudulently tried making an insurance claim under my insurance policy and name for damages they have caused.

Company response to consumer: Closed with explanation