Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am submitting this complaint and formal dispute regarding Jefferson Capital Systems , LLC for contacting me through email without my consent, which I believe violates Regulation F under the Fair Debt Collection Practices Act ( FDCPA ). At no point did I provide Jefferson Capital Systems with permission to contact me via email. Despite this, on XX/XX/year>, I received an unsolicited collection email from XXXX regarding an alleged XXXX XXXX XXXX account. 
This email was sent to my personal XXXX address without my authorization or consent. I have never opted in, subscribed, consented, or otherwise agreed to receive collection communications through email from this company. Regulation F requires debt collectors to have direct, prior consent to use email as a communication channel. Jefferson Capital did not have such consent. 
The email contained information about an alleged debt, including the creditor name, account number, balance, and instructions to dispute or pay. Sending this level of sensitive financial information through an unconsented channel exposes me to privacy risks and constitutes a communication method I did not authorize. 
Additionally, the email included language that I found intimidating and coercive, such as : We will use any information you give us to help collect the debt. 

This phrasing is unnecessarily broad and creates the impression that anything I say or do will be used against me. It is not neutral disclosure, it is psychological pressure. This type of language is concerning and misleading, and I believe Jefferson Capital made that statement to try and intimidate me. 
The email also encouraged me to Reply DISPUTE directly to the message. This is misleading because it creates the false impression that replying to an email is sufficient to trigger full validation rights under the FDCPA. Email disputes can be ignored, lost, or treated as informal, and this instruction appears designed to steer me away from submitting proper written disputes that would legally require Jefferson Capital to pause all collection activity. 
Finally, the email included an unsubscribe link, which is problematic because it misleads me into believing that unsubscribing will stop collection activity. Which creates confusion about my actual ceasecommunication rights under federal law. 
I am requesting that the CFPB investigate Jefferson Capital Systems for : - Contacting me through email without my consent - Violating Regulation Fs requirements for electronic communication - Sending sensitive debt information through an unauthorized channel without my consent - Using intimidating and coercive language - Providing misleading instructions about how to dispute a debt - Including an unsubscribe link that causes confusion about my rights- Using communication methods that may mislead consumers about their dispute and ceasecontact rights Because this communication was unlawful, and unauthorized, I am requesting that Jefferson Capital Systems : - Delete the account from their system entirely, as they have forfeited their right to attempt to collect on this alleged debt. 
- Refrain from selling the debt, and refrain reporting the debt to all 3 credit bureaus - Cease all communication with me through any unauthorized channel - Confirm in writing that they have removed my email address from all systems - Provide documentation showing how they obtained my email address I am also requesting that the CFPB require Jefferson Capital to explain how they ensure compliance with Regulation Fs consent requirements for email communication, and how they prevent unauthorized digital contact with consumers. 
This communication caused me distress, violated my privacy, and disregarded my rights under federal law. I am requesting full regulatory review and corrective action.

Company response to consumer: Closed with explanation