Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NE

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX https : //www.consumerfinance.gov/complaint/ RE : Complaint for Unfair Collection Practices and Improper Credit Bureau Reporting Hello, I am submitting this letter as a formal complaint against Jefferson Capital Systems , LLC and XXXX XXXX XXXX XXXX regarding their handling of debts originally owed to XXXX XXXX accounts . 

At the time of default, I was experiencing significant financial hardship. I had recently returned to school as a full-time college student while going through a contentious separation and pending divorce. My financial stability has been severely impacted. 

On XX/XX/year>, despite limited resources, I made good-faith efforts to resolve my outstanding debts. I sent three checks, accompanied by written settlement letters ( enclosed ), to XXXX XXXX XXXX XXXX as payment in full for the following accounts : Two checks of {$100.00} each to settle a balance of {$280.00} One check of {$100.00} to settle a balance of {$250.00} One check of {$50.00} to settle a balance of {$160.00} In each letter, I clearly stated that the enclosed payments were tendered as settlement in full of the accounts and requested written confirmation of acceptance. 

On XX/XX/year>, XXXX XXXX cashed all three checks totaling {$250.00}. Since then, I received no communication from them. Given that they deposited the checks, I reasonably understood this as acceptance of my settlement offer and considered the matter resolved. 
However, on XX/XX/year>, I began receiving collection emails from Jefferson Capital Systems , LLC claiming I still owed the XXXX balances. I responded with three emails ( copies attached ) explaining that I had already settled these debts with XXXX XXXX and that the payments had been cashed. I received no response. 

Then, on XX/XX/year>, I was notified by all three major credit bureaus that Jefferson Capital Systems had reported these same debts as unpaid collection accounts. As a result, my credit score dropped drastically, causing me further harm.

I believe that : 1. XXXX XXXX acted unfairly by cashing my settlement checks without honoring the agreed-upon terms.

2. XXXX XXXX acted improperly by attempting to collect on debts that were already settled and by reporting them to the credit bureaus, damaging my credit.

3. I have made good-faith efforts to resolve my debts, but these companies have disregarded those efforts and instead engaged in harmful and misleading collection practices. The addresses I have for the companies are : Jefferson Capital
Systems , LLC Correspondence : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Payments : Dept # XXXX, XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX I respectfully request that these companies : Correct their records to reflect the accounts as paid and settled in full ; Cease all further collection activity on these accounts ; and Immediately remove all negative reporting from my credit files with XXXX, XXXX, and XXXX. 

Thank you for your consideration and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Encl : 3 letters to XXXX XXXX ( with payments ) -combined into 1 pdf 3 emails from Jefferson Capital ( claiming I still owed ) - combined into 1 pdf 3 email responses to Jefferson Capital combined into 1 pdf doc 3 canceled checks showing XXXX XXXX cashed the checks combined into 1 pdf doc

Company response to consumer: Closed with explanation