Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Jefferson Capital Systems LLC for engaging in unreasonable and unlawful debt collection practices. Their actions have caused unnecessary stress and inconvenience, and I am seeking your assistance in addressing this matter. Below are the specific details of my complaint : 1. Initial Communications and Request for Debt Verification Through XX/XX/XXXX to XX/XX/XXXX, I received multiple written communications from Jefferson Capital Systems LLC regarding an alleged debt of {$990.00} related to XXXX. On XX/XX/XXXX, I submitted a formal written request for verification of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

2. Acknowledgment of Debt Verification Request On XX/XX/XXXX, Jefferson Capital Systems LLC acknowledged receipt of my debt verification request. This acknowledgment indicated they were aware of their obligation to provide verification of the debt within a reasonable timeframe. 

3.Unreasonable Delay in Providing Verification Jefferson Capital Systems LLC failed to provide the requested verification within a reasonable timeframe. In fact, they did not respond with any verification documents until XX/XX/XXXX, XXXXXX/XX/XXXXnearly one year after my initial request. This delay far exceeds the 30-day period generally considered reasonable for such requests under federal guidelines. The protracted delay is unjustifiable and demonstrates a disregard for consumer rights. 

4.Issues with the Verification Documents When I finally received the verification documents on XX/XX/XXXX, I found them to be insufficient and inaccurate. The documentation provided did not convincingly substantiate the amount of {$990.00}, nor did it provide adequate evidence linking me to the alleged debt. Nor did they provide full requested details in my verification request. Based on these deficiencies, I do not accept responsibility for this debt. 

5. Request for CFPB Action I respectfully request the CFPB to investigate Jefferson Capital Systems LLC for their unreasonable delay in responding to my debt verification request and their failure to provide accurate and timely documentation. Their actions violate my rights under the FDCPA and have caused undue stress and inconvenience. 

6. I have sent a letter via certified mail to Jefferson Capital Systems , LLC on XXXX, XXXX XXXX request ceasing of collection activity while this complaint is being reviewed by CFPB. 

7. Additional Information I have enclosed copies of all relevant correspondence, including my initial request for verification, Jefferson Capital Systems LLCs acknowledgment of my request, and the eventual verification documents received. These documents support my claim and demonstrate the unreasonableness of their practices. Tracking receipts for verification are for two mailings as my spouse received a debt letter as well and USPS doesn't confirm/track/show which letter was sent from whom, therefore I have included both for due diligence. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in holding Jefferson Capital Systems LLC accountable for their actions. Should you require any additional information, please feel free to contact me

Company response to consumer: Closed with explanation