Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I don't know who XXXXXXXX XXXX is and I refuse to communicate with them by email. Every email I have received from them, XXXX has flagged it as a suspicious, spam or dangerous email in a red box with a huge hazard sign. I have a screenshot of this. I DON'T KNOW THEM! I don't know who they are. I'm not discussing my finances with them ; even though it appears to be legitimate. I'm not calling them. I'm not confirming any information. Why did y'all give my information away to someone else? I don't know them! I'm not giving them my banking information! 

As far as the payment request below, that would be agreeable ; IF I still had access to the credit use. I don't. There's no reason for me to do that now. I ask this in rebuttal. 

{$2500.00} is fine. No fees, definitely no late fees due to y'all making it impossible for me to pay it. Make it {$2500.00} in total, no interest, no fees. Payment due of {$110.00} that I've been holding for months now. There's no reason for me to pay this off quickly. Remove the fees. Halt future fees and stop sending me late payment emails because it's your fault. Same due date of the XXXX is fine. 

XX/XX/XXXX - {$110.00} // {$2300.00} XX/XX/XXXX - {$110.00} // {$2200.00} etc. 
$ XXXX until pay off. 

Please see email message that XXXXXXXX XXXX sent me. Again, I am not communicating with someone I don't know. XXXX rule of handling personal information. 

Dear XXXX, This is your opportunity to save on your XXXX XXXX XXXX. We want to resolve this matter as quickly as possible so we are proposing the following settlement offer : One lump sum of 70 % of your current balance, due and payable on or before XX/XX/XXXX. This is a 30 % reduction of your current balance and would result in the largest saving for you. 



Or : XXXX equal installment payments of 80 % of your current balance, beginning ( no later than ) XX/XX/XXXX and continuing on the due date of each succeeding month. This would result in savings of approximately 20 % of your current balance. 



NOTE : If you fail to make each monthly payment on time, the terms of the settlement will be null and void and you will be responsible for the full amount owed. 



If you do not call our office on or before XX/XX/XXXX to accept this one time deal, this offer will become null and void. We are not obligated to renew this offer. If you need additional information or want to inquire about other payment plans, we are here to help and can be reached at XXXX XXXX XXXXXXXX XXXX CT. 



You can make a payment using one of the below options : XXXX. Log in to XXXX and select Make a Payment. 

XXXX. Call us toll-free at XXXX. Please have your bank account information available. 

XXXX. Mail a payment to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Be sure to include your account number XXXX on your check. 



Sincerely, XXXX XXXX  This communication is an attempt to collect a debt, and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

Please accept my rebuttal of {$2500.00} total. No more fees. {$110.00} until pay off.

Company response to consumer: Closed with explanation