Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to file a complaint and seek urgent assistance regarding a furniture loan originally obtained from Badcock Home Furniture & More. I signed this loan agreement inXXXX 2024, with furniture deliveries beginning sometime after and the final piece arriving onXXXX XXXX, 2024. 

Just before my final piece was to arrive, I got a call from the sales rep saying that its a good time to purchase the other pieces I wanted because theyre going bankrupt and having a massive sale. He assured me that my payments on the loan I already have would remain the way he initially promised and all the same steps he showed me in the store on the computer they had there. ( Keep this in mind as you read on. ) Days later I saw the announcement on their building. So it seemed true about the Bankruptcy. I acknowledge my responsibility to repay the loan that was originally extended on their credit line. ( I regret not being aware of their impending bankruptcy, which would have deterred my decision to open the credit line but here we are. ) OnXXXX  XXXX, 2024, I received an email directly from Badcock formally acknowledging the bankruptcy and stating that I would still be able to use the online payment portal, again keep this in mind as you read on. ) My first loan payment was projected to be due onXXXX XXXX, 2024. If I remember correctly the first bill or two seemed normal. Ive had Badcock in the past so I had an idea of what to expect along with the steps the sales rep showed me at the store.

Currently, the links to the payment page provided in the original emails directly from Badcock no longer work.If I simply type " Badcock.com '' into my browser, it redirects me to another page that does not feel legitimate.Type in just plain Badcock.com and youll see what I mean.

The only way I can access any form of an online portal that even has the Badcock name is through links provided in emails from these individuals who are aggressively calling me.This further fuels my suspicion that this is a scammer-controlled site. 

I have been receiving frequent, aggressive phone calls ( from ( XXXX ) XXXX ) from individuals identifying themselves as " XXXX 's, '' though they sometimes correct themselves to " Badcock when I question them. Given the prevalence of scams where individuals impersonate legitimate companies that you already have an existing recurring bill or relationship with, I am highly concerned about the legitimacy of these calls and the company demanding payment. 

The redirect website linked from XXXX provides no payment history, no statements, no details on my interest rate, or any other transparent loan information. It only displays a " due '' or " past due '' amount and a total balance that appears stagnant. This implies that they had access to some of my info somewhere but only had it once. 

Crucially, I have made several payments through the webpage provided by these callers, believing I was fulfilling my obligation.Despite these payments, these individuals repeatedly claim I missed them and that I am falling further behind. 
When I attempted to get assistance with the website to view my full payment history, the representatives acted clueless about its functionality. When I pressed for statements, they offered to email them. They stated they would send the statement " soon '' and to " keep an eye out for it. '' It is only after the call, when the email finally arrives. The statement is password-protected, and no password was provided during our conversation or in the email itself. I have tried my previous Badcock login credentials as the password, but they do not work. This forces me into a frustrating cycle of repeatedly contacting them to try and obtain access to my own information, a process I do not have time for and which appears to be an intentional barrier. The lack of a readily available, accessible statement further fuels my suspicion that this is not a legitimate operation.

My concerns are amplified by their inconsistent and aggressive collection tactics. They have repeatedly claimed I am " past due, '' even when I believe I am current based on my previous payment records. When I insisted on receiving proper statements and payment history before making any further payments, they stated that statements are only sent " upon request. '' I countered that monthly statements should be readily provided, and that I did not sign an agreement with " XXXX 's '' but with Badcock. 
They have repeatedly promised a " new website '' for payment history and statements, but months have passed with no resolution. 

The last representative became irate and verbally abusive when I expressed my belief that they sounded like scammers. He threatened to report me to credit bureaus within two days. Out of frustration with their tactics, I mentioned the possibility of filing for bankruptcy thinking that would be the scammers queue to not expect money from me. It didnt work unfortunately. He became much worse and its clear that this is not a professional company.

In all, this situation leaves me deeply unsettled. Are they a company or not? Ihave made payments in good faith, but the lack of transparent record-keeping and the aggressive, contradictory claims of these callers are making it impossible to manage this loan responsibly.I also receive numerous other calls for alleged debts, that can not confirm my business with them without my personal info first, which I assume to be scams because I dont have any other debts. However, now I am concerned that in trying to navigate this potentially fraudulent situation, I may inadvertently be ignoring the legitimate company that acquired my loan and actually falling behind on my true obligation.

I need to determine if this is a legitimate company that acquired my loan and, if not, what can be done to protect me and others who are going to this site to pay what they think is their bill?

If they ARE legitimate, why they are unable or unwilling to provide standard, transparent loan documentation ( payment history, statements, interest rates ) that aligns with my previous payments to Badcock. The broken Badcock payment links, the password-locked statement link that doesn't work, the constant promises of a " new website, '' and the frequent misidentification of their own company as " XXXX 's XXXX are all significant red flags. I am concerned about the security of my personal information if this is, in fact, a scam, and whether they possess other data from the dark web, such as my address, the angry man could come after me. 


I request the CFPB 's immediate assistance in verifying the legitimacy of this entity, ensuring my consumer rights are protected, and compelling them to provide full and transparent loan documentation if they are indeed the rightful servicer.

Company response to consumer: Closed with explanation