Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I received an email from a company/debt collector supposedly relating to a past credit card I had with XXXX. That account was closed long ago and was in a customer assistance program, while close. This customer assistance program allowed me to pay back a certain amount of the balance owed at the time, without interest. After paying back a certain amount, any balance would be forgiven in the issue of a 1099c form by the company to me which I would need to report to the IRS as earned income when doing my yearly taxs per government tax laws. After paying back the agreed amount, the account would be reported from closed to closed, paid as agreed, paying back less then owed on my credit report. Im awaiting the 1099c form from XXXX now to file with my XXXX XXXX return. While awaiting this XXXX form, it appears this company, Jefferson Capital LLC, is sending me emails to this close and settled account in attempts to collect money. This email further goes on to state they, Jefferson Capital bought this alleged balance account with a balance of {$800.00}. This is far from the truth, is false and fraudulent information. This close past account with XXXX again, was closed due to economic hardship and as a result, was entered into a customer assistance program, with agreement to pay back a certain agreement amount and after, any balance would be forgiven in the issue of a 1099c form issued by XXXX to me. It appears XXXX may have reneged on this agreement and for instance purposes, may have written off or changed off the agreement balance to be forgiven then sold this close account and alleged balance now to a debt collection company. I do not own this alleged debt, account was already removed my credit report as promised but I have not still received the 1099c form to date. I would strongly advise this company, Jefferson Capital to immediately Cease And Desist all communication with me, electronic, phone, us mail or any other type of communication as to regards to this alleged debt. This complaint should be received as not only a complaint but also received as an official Cease And Desist demand to Jefferson Capital from me, per the Federal Fair Debt Collection Practices Act, ( 15 USC 1682c ) As to statements of reporting any negative comments in this email from Jefferson Capital LLC, specifically We may report information about your account to credit bureaus, Negative Information such as a default may be reflected on my credit report. To Jefferson Capital LLC my response to this statement is, At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus, ( XXXX XXXX XXXXXXXX XXXX ) this action might constitute fraud under both Federal and State laws, Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collections Practices Act and Defamation of Character. Im sure your legal staff wil agree that non-compliance with this request could put your company in serious legal trouble with the Federal Trade Commission and other state and federal agencies. 

The email received as to this alleged debt seems threatening in context and will not be tolerated nor accepted. A formal complaint letter will be s sent certified mail, signature required delivery on XX/XX/year>. Tracking information will be provided with Cc : to all three credit bureaus, FTC and if further violation of my consumer protection rights are violated as to communication tactics, a formal complaint will be filed with the NJ Sttate Attorney Generals office as well as NJ Department Of Consumer Affairs department. 

As a retired law enforcement official, Im extremely aware of my rights and obligations under such consumer protection rights for alleged debt collection fraud and violation attempts. If court intervention is warranted, I will aggressively answer any civil complaint immediately but also file a counter civil action, requesting summary judgment for violation of my consumer rights and penalties that court deems appropriate and reasonable up to {$1000.00} per each violation, allowed by law as set forth by the Federal Fair Debt Collection Practices Act, sub section to be applied at time of filing.

Im asking the CFPB to note and document this complaint as an official complaint on a government website/ server for possible future action and reference purposes if necessary.

Company response to consumer: Closed with explanation