Consumer complaint received 2025-08-01 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:
This complaint is in reference to a prior complaint against Jefferson Capital LLC as its to an alleged debt. This past complaint was # XXXX. This alleged debt originally was a credit card belonging to XXXX that due to economic crisis and being critically injured in the line of duty as a federal law enforcement official, I was placed in a customer assistance program, paying back a certain amount to XXXX credit card then after paying back that agreed amount, any balance would be forgiven in the issue of a XXXX form by XXXX. This apparently did not happen as XXXX reneged on the agreement, after paying them back a certain and agreed amount, they then sold the account to a debt collection company, Jefferson Capital LLC who has sent collection letters/ emails to me in an attempt to collect on this alleged debt thats already been paid, closed and was to be reported by XXXX on my credit report as settled for less then owed. I then filed the above complaint against both XXXX and now Jefferson Capital LLC for violation of my consumer protection rights under the Federal Fair Debt Collection Practices Act, ( 15 USC 1692c ). This complaint was filed on XX/XX/XXXX. Jefferson Capital LLC did respond on XX/XX/XXXX. Jefferson Capital LLC did respond by writing, to resolve this matter, we have terminated all collection efforts and have further, did not report any potential negative information to the credit bureau. Im very thankful for Jefferson Capital in there response and handling of this situation but are lacking in indicating weather they have closed this alleged debt and will not sell or continue to attempt to continue collection efforts going forward with this alleged debt thats been closed for almost a year, completed a customer assistance program and settled. Any account they have in relation to this alleged debt, they indicate they have terminated all collection efforts but leave short, indicating they have closed this alleged debt will not sell this account to another debt collector. The response should be We have made a business decision to terminate all collection efforts on this account, will not sell this account to another debt collection company as you do not own this debt. This is the acceptable response which is transparent shown that status of this alleged debt with this company. If a more detailed explanation is not provided by XX/XX/XXXX through this government agency, which is responsible and accountable in a timely manner. I will forward this complaint and any discovery to the Federal Trade Commission as well as the XXXX  Attorney Generals Office for further review and attention. Again, as a former law enforcement official, although injured and receiving a XXXX  XXXX pension, Im still legally entitled to file complaints and motions in within the XXXXXXXX XXXX XXXXXXXX XXXX against false, inaccurate and fraudulent claims of alleged debt collection efforts against such companies for such claims. I hope with my kind 1st responce to the original complaint to this company as to termination of all collection efforts and thanked them for their professionalism, they would honor my request stated above, knowing my reasoning for future incidents possibility with another collection company unnecessary, and wasting not only my time but the CFPB in having to file another complaint of same bit with a new creditor associated with this alleged debt and possibly having to file for court intervention in the future. Thank you for your consideration in this complaint

Company response to consumer: Closed with explanation