Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital located at XXXX XXXX XXXX XXXX in XXXX, MN XXXX phone # XXXX has repeatedly tried contacting me regarding a debt I know nothing about nor owe. Jefferson Capital is a DEBT BUYER and is attempting to make pennies on the dollar profit on a charged off debt from XXXX XXXX acct # XXXX. 

They have called multiple times, have emailed me, and have sent paper mail attempting to collect this bogus debt. The letter they sent is also deceptive, suggesting I would receive a credit card, an optional " reward card '', at 19.99 % APR for purchases. On what planet do debt collectors offer credit cards???? It's a complete sham. 

This ALL is causing me undue aggravation, XXXX, and stress. In addition, as an added and unrequited bonus, they are invading my privacy with their phone calls and now email. 

For your review, I have attached documentation including call logs, copy of the email, the letter they sent to me, the letter I mailed TO THEM, as well as the certified mail tracking and confirmation information. I have asserted that I refuse to pay the debt as it is not valid. I have asserted they must discontinue all communications with me as I will not pay a cent to this rubbish debt they bought for attempt at a profit. 

Their letter is dated XX/XX/year>, and was received NOT CERTIFIED MAIL, but regular USPS mail, on XXXX. The return address of XXXX XXXX XXXX XXXX, NC XXXX doesn't align with the " physical address '' indicated on their letter which states XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 

Their phone calls are dated XX/XX/year>, XX/XX/year>, and today XX/XX/year>. They call yet leave no voicemail. 

They also emailed me yesterday, XX/XX/year>, addressed " XXXX XXXX ''. It is not properly addressed to me in the least. 

Attached are all the supporting documents and images to all the above. Also attached is a copy of my NJ DL to validate my identity. 

15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation