Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. Is harassing me about a debt that does not belong to me. They are trying to collect a balance of {$5400.00} on a credit card I have no knowledge of and have never heard of. 

Furthermore they are violating CFPB guidelines when sending emails trying to collect a debt. Your company has listed guidelines on what needs to be included in the subject line. They have not followed the guidelines and this is a calculated move on their part. Their goal is to send the emails, have them go unopened, and than sue for a default in the court system.

Jefferson Capital has also violated the FDCPA guidelines and laws about disclosing the 30 day window to dispute and request verification. Their email doesn't contain any of the required language. They have never mailed me a traditional letter in the mail. This is email is their first contact. 

Their email also contains a false statement, misrepresentation, and deceptive statement. The email was sent on XX/XX/XXXX. And states I have until XX/XX/XXXX to dispute. That is 40 days, not the 30 days required by law. They are hoping I dispute past the 30 days so they can win a default judgement against me. 

I will paste their email below -- -- - Forwarded Message -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : New Information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Number : XXXX Jefferson Capital Systems , LLC ( Jefferson Capital ) is a debt collector and the owner and current creditor of your referenced account. We will use any information you give us to help collect the debt. 

Our information shows : You had a Prosper Personal Loan account from XXXX XXXX XXXX with account number of XXXX. Your JCS Reference Number is XXXX. 

As of XX/XX/XXXX you owed : {$5400.00} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$5400.00} How can you dispute the debt? 
- Call or write to us by XX/XX/XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

- If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may also include supporting documents. We accept such requests electronically. Reply DISPUTE and request verification of the debt or provide the reason for your dispute and include any supporting documentation. 

What else can you do? 

- Write to ask for the name and address of the original creditor, if different than the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. We accept such requests electronically. Reply DISPUTE and request the name and address of the original creditor. 

- Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 

- Contact us about your payment options. 

How to contact us : - Visit our website at XXXX - By phone : - Hours of Operation : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NOTICE : See below for important information. 


How do you want to respond? 
Reply DISPUTE and enter the reason for your dispute. Some examples below. 
__ I want to dispute the debt because I think XXXX XXXX  This is not my debt. 
__ The amount is wrong. 
__ I want you to send me the name and address of the original creditor. 
__ Other ( Please attach additional information ). 

Send Correspondence to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail Payments to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Make your check payable to Jefferson Capital Systems , LLC. Include the reference number XXXX Make a payment on our website at XXXX Credit Bureau Reporting : We may report information about your account to credit bureaus. Negative information such as a default may be reflected on your credit report. 


PRIVACY NOTICE Jefferson Capital Systems , LLC ( also referenced herein as we and us ) is providing this notice to you as required by Federal law. We may collect nonpublic personal information about you as permitted by law from : - Your transactions with us ; - Prior owners of your account ; - Consumer reporting agencies ; - Applications or other forms that you provide to us. 

We may disclose nonpublic personal information about you to the extent that it is : ( a ) specifically directed by you ; ( b ) permitted by the Gramm-Leach-Bliley Act ( such as to service and maintain your account ) ; and ( c ) not prohibited by other applicable law, including, but not limited to, the Fair Debt Collection Practices Act.

We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with Federal laws to guard your nonpublic personal infomation.

If you wish to unsubscribe ( opt-out ) from receiving collection emails about this account, click the " unsubscribe '' link below. You can also ( opt-out ) by replying STOP to this email. 
XXXX XXXX

Company response to consumer: Closed with explanation