Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
DearXX/XX/XXXX, I am filing a formal complaint against XXXX ( XXXX, XXXX, XXXX, XXXX ) and JeffersonCapitalSystemsLLC for coercive, deceptive, and illegal debtcollection practices in violation of the FairDebtCollectionPracticesAct ( FDCPA ), the CaliforniaRosenthalFairDebtCollectionPracticesAct, and the FairCreditReportingAct ( FCRA ). 



Summary of Complaint The companies listed above have repeatedly attempted to collect on an alleged XXXX account they claim I owe. I have never received proof of any missed payment or a signed contract establishing a valid obligation. Despite my repeated denials and requests for validation, they continue to contact me. 

According to XXXX own correspondence, the alleged debts default date isXXXX. Under XXXX, the statute of limitations for written contracts is XXXX ( XXXX ) years, which means any legal right to collect expired on or about XXXX. This makes the debt timebarred and legally unenforceable in court. 

Nonetheless, XXXX and JeffersonCapitalSystems have contacted me no fewer than XXXX ( XXXX ) times, exclusively by email, making repeated assertions that I owe {$390.00}. In many of these messages, they have attempted to pressure me into payment by offering socalled discounts or settlement opportunities if I respond quickly. 

These communications are predatory and coercive, as they intentionally mislead the consumer into believing payment is still legally required without ever disclosing that the debt is timebarred or providing any validation of its authenticity or chain of assignment. 



Violations and Legal Concerns XXXX. Failure to Disclose TimeBarred Status : California law and CFPB regulations require debt collectors to inform consumers when a debt is beyond the statute of limitations. No such disclosure has ever been made in any communication from XXXX or JeffersonCapitalSystems. 
XXXX. Misrepresentation and Deceptive Practices : Their repeated discount offers imply that I could avoid legal or financial repercussions by paying, which is misleading when the debt can not legally be enforced. 
XXXX. Failure to Provide Validation : Despite multiple contacts, they have never provided proof of contract, billing records, or assignment documentation from XXXX. 
XXXX. Harassment Through Repeated Contact : Continued contact after written dispute and lack of validation constitutes harassment under both the XXXX ( 15U.S.CXXXX ) and XXXX ( d ). 
XXXX. Attempting to Collect Without Legal Right : Their continued collection efforts on an expired obligation may violate XXXX ( XXXX ) ( A ) ( false representation of legal status of a debt ). 



Relief Requested I respectfully request that your office : Investigate XXXX and JeffersonCapitalSystemsLLC for ongoing violations of federal and California debtcollection laws ; Require both companies to cease all collection efforts and communications related to this alleged XX/XX/XXXXXX/XX/XXXXaccount ; Consider enforcement action, fines, or consumer restitution for affected California residents ; and Issue a written acknowledgment confirming that this complaint has been received and entered into your enforcement review process. 



Supporting Documentation Attached ( or available upon request ) : Copies of multiple email messages from XX/XX/XXXX showing repeated collection attempts ; My formal written Cease and Desist / Dispute Letter sent to XXXX ; Evidence of the default date ( XXXX ) and the claimed balance ( {$390.00} ). 



Thank you for your time and attention. I am providing this complaint to each relevant agency to ensure this pattern of misconduct is documented and investigated. I am happy to provide additional information or copies of all correspondence upon request. 

Sincerely, XXXX XXXX XXXXXX/XX/XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation