Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have to explain personal situations. I married my husband in XX/XX/XXXX. I was unaware of his financial history. He pretended to be a supportive, nurturing & responsible husband & father. I got pregnant right away, XXXX sons, 10 months apart XXXX. My husband pretended like he cared & wanted me to stay home instead of working. While I was working I caught him lying about bill amounts, conned me out of money, would go back & change my or our tax returns to go into his bank account. Then refuse me finances or even access to it. After I stopped working because both of our boys are Autistic. Immediately I was refused access to and & all financial statements, cards, accounts, bills & money. On XX/XX/XXXX he notified me that the next day that we needed to go see a Bankruptcy XXXX. I was shocked to hear & demanded details. He blamed all of it on me & the kids. I was in college for my XXXX 's in XXXX of XXXX XXXX. I was crying & begging him not to & just consolidate the debt. That it was better to slowly pay off a debt then file, he didn't care. I discovered the next day how far debt he was in with credit cards. The XXXX went through all the finances, assets & liabilities. He showed my husband the truth. That with his pay, he shouldn't ever be in debt & that he damaged all of it with over spending, not paying loans or credit cards back. I only had federal student loans on my credit & told my husband that he felt sorry for me because I had no choice in the matter, since his credit affects mine & that his debt was my debt too since we're married. I brought up XXXX XXXX, husband refused he wanted XXXX XXXX, XXXX told him " You can't file XXXX XXXX until next year when the expiration is up on the last time you filed. '' I was stunned! Fast XXXX to XX/XX/XXXX. Chapter XXXX was filed & XXXX. Again, I had no choice in the matter! Shortly after in XX/XX/XXXX, we were suppose to be having a " Date Night '' He takes me to the car dealership. He just had to have that car but even though I didn't have a job, he needed me to Co-Sign because ALREADY my credit was better than his. I refused, he used guilt trips, threatened to return my vehicle, turn off my phone, divorce me & take the kids. So I signed. Skip ahead, he wasn't making payments & the car was taken away. XXXX XXXX XXXX was calling me everyday multiple times. Once I counted 9 times in XXXX day. At first I was compliant but kept asking them for copies of the original document, vehicle information & the proof of it being sold. I mean they were demanding {$5600.00}. Anyone would ask. They never provided any of the documents or information. Then they started non-stop hounding me how I needed to pay it because I was the XXXX, that was the only information they would supply, no documents. I kept explaining to them how I can't be responsible because I'm not the XXXX making money & how I am victim of Economic Abuse, XXXX XXXX XXXX XXXX XXXX. I even explained that my husband refused to put me on the XXXX as an equal owner. Then the threats started " I don't care! You signed it right!? Of course you signed it! I don't give a XXXX how you pay it but you better find a way or we'll be hauling your XXXX in court! You think you have nothing now!? Just wait! '' I became to afraid to answer the phone. The sound of the phone gave me panic attacks. I had to silent & keep my phone on vibration. I explained their phone calls to my husband & he was happy to show me that they hadn't called him at all! XX/XX/XXXX I was diagnosed with XXXX XXXX XXXX XXXX & XXXX After that diagnose I decided that I need to divorce him ASAP. So I'm trying to get everything prepared. My credit determines what the lengths are for my goals. The Laws have changed! I am no longer responsible for his debts by XXXX, & he should be held accountable for his debts & all the abuse he caused to force me into a XXXX XXXX. While looking through my credit I notice that XXXX XXXX XXXX XXXX gave it to Jefferson Capital Systems, yet did not close & remove the account amount {$5700.00}. So now my credit shows XXXX negative reports by the same debt which violates FCRA XXXX XXXX XXXX. Yes I have contacted them. XXXX XXXX XXXX ( XXXX ) closed the account after I told them that they were in violation. However they have not removed it. I still demand to have it removed from my Credit Report to all the Credit Bureaus. I also would like Jefferson Capital Systems, since I contacted them as well, to show some XXXX & right a wrong, that XXXX refused to do, & remove it from my Credit Report & make the rightful person actually responsible for it. Jefferson Capital Systems closed the account on XXXX but didn't remove it. They also didn't close it nor remove it on the Credit Bureaus.

Company response to consumer: Closed with explanation