Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint to formally dispute two alleged debts being reported and pursued by Jefferson Capital Systems related to a XXXX XXXX XXXX XXXX student loan originally taken out in XXXX Jefferson Capital Systems is currently attempting to collect two alleged balances of {$12000.00} and {$8100.00}, and has initiated legal proceedings against me regarding these debts. I dispute both accounts in their entirety and believe the company may be engaging in unfair and deceptive debt collection practices. First, Jefferson Capital Systems has never contacted me prior to initiating legal action. I have not received any written notice, validation notice, letters, emails, or other communication informing me that they were attempting to collect this debt. I was therefore never provided the legally required opportunity to request validation of the debt before litigation began. Second, Jefferson Capital Systems has never provided proof that they own or have the legal authority to collect this alleged debt. I have not received : A copy of the original signed promissory note Documentation showing assignment or transfer of the loan from XXXX XXXX to Jefferson Capital Systems A full accounting of the alleged balances A complete payment history of the loan Proof that the amounts being claimed are accurate Without this documentation, there is no evidence that Jefferson Capital Systems has legal standing to collect or litigate these accounts. Third, the original XXXX XXXX XXXX XXXX XXXX Final Disclosure Statement states the following regarding repayment : Repayment Options : This loan does not require monthly payments while you are in school and for a separation period of 6 billing periods thereafter. You can make payments during these periods, if you wish. More information about repayment deferral or forbearance options is available in your Promissory Note. I am currently XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX ( XXXX ) program, and therefore I may qualify for in-school deferment under the terms of the original loan agreement. At no point did Jefferson Capital Systems contact me to verify my enrollment status prior to attempting to collect this debt or filing a lawsuit. Because of these circumstances, I believe Jefferson Capital Systems may be violating provisions of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by attempting to collect and litigate a debt without first providing proper validation or notice to the consumer. I am requesting that Jefferson Capital Systems be required to provide the following : A copy of the original signed XXXX XXXX XXXX XXXX XXXX promissory note. Documentation proving the chain of assignment showing how Jefferson Capital Systems obtained the legal right to collect this debt. A complete and itemized accounting of the alleged balances, including principal, interest, and any fees. A full payment and transaction history from the origination of the loan to the present. Documentation confirming that the loan is not currently eligible for in-school deferment. Proof that proper written notice of the debt was sent to me prior to initiating legal proceedings. Until these items are provided, I formally dispute the validity and amount of these alleged debts. I respectfully request that the CFPB require Jefferson Capital Systems to cease collection efforts and litigation until they can fully validate the debt and demonstrate legal standing to collect it. If they are unable to provide proper documentation, the debts should be withdrawn and any credit reporting related to these accounts should be corrected or removed. Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation