Debt collector · complaint record
CL Holdings complaints
Filed under CL Holdings LLC
Consumers have filed 58,795 complaints about CL Holdings since 2013, 30,179 of them in the last 12 months (+111% on the year before). It answered 99.9% on time and closed 50% with relief for the customer - more often than a typical debt collector. The most common problem is attempts to collect debt not owed. It is the most complained-about of 1,963 debt collectors this year.
Strong response record. How it works
- Complaints on record
- 58,795
- Last 12 months
- 30,179
- Answered on time
- 99.9%
- Closed with relief
- 50%
- Last 30 days
- 2,089
- Rank
- #1 of 1,963
Since July 2013
+111% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 10, 2026
Most complained-about debt collectors
CL Holdings complaints by month
The busiest month was March 2026 (3,554 complaints). Complaints in the last 12 months are up 111% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How CL Holdings answered last 12 months
- Closed with non-monetary relief15,20250.4%
- Closed with explanation14,93249.5%
- In progress450.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers40/4050.4% closed with relief
- Complaint trend0/15+111% vs last year
What CL Holdings complaints are about
Top CL Holdings problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 15,879
- Debt was result of identity theft 6,258
- Debt was paid 1,105
- Debt was already discharged in bankruptcy and is no longer owed 523
Where CL Holdings complaints come from
Most complaints: Texas (9,194), Florida (6,299), Georgia (5,325), California (4,608), Illinois (2,677).
CL Holdings compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | CL HoldingsDebt collection | 85 | 30,179 | A |
| 2 | Resurgent Capital ServicesDebt collection | 75 | 23,723 | B |
| 3 | Encore Capital (Midland Credit)Debt collection | 60 | 23,474 | C |
| 4 | Portfolio Recovery AssociatesDebt collection | 89 | 21,733 | A |
| 5 | CCS Financial ServicesDebt collection | 53 | 10,265 | C |
| 6 | Kriya CapitalDebt collection | 86 | 8,832 | A |
| 7 | I.C. SystemDebt collection | 48 | 8,160 | D |
| 8 | National Credit SystemsDebt collection | 51 | 7,463 | C |
Compare side by side: CL Holdings vs Resurgent Capital Services · CL Holdings vs Encore Capital · CL Holdings vs Portfolio Recovery Associates · CL Holdings vs CCS Financial Services
What people say about CL Holdings
All experiencesNo experiences with CL Holdings yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CL Holdings complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Nov 9, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
Questions about CL Holdings
How many complaints does CL Holdings have?
CL Holdings has 58,795 complaints on record since July 2013, including 30,179 in the last 12 months and 2,089 in the last 30 days. That makes it number 6 of every company by complaints this year.
Does CL Holdings respond to complaints?
Yes. CL Holdings answered 99.9% of its complaints on time (within 15 days) and closed 50% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 85/100 (grade A).
What do people complain about most with CL Holdings?
The most common problems are attempts to collect debt not owed (23,765), took or threatened to take negative or legal action (6,911), written notification about debt (8,081).
Is CL Holdings legit?
CL Holdings is a real company with a public complaint record: consumers have complained about it 58,795 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CL Holdings legit? for the signals, red flags and how to protect yourself.
Are complaints about CL Holdings going up or down?
Up. There were 30,179 complaints in the last 12 months against 14,301 in the 12 before (+111%). See every month.
How do I file a complaint against CL Holdings?
Complain to CL Holdings in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most CL Holdings complaints come from?
Most come from Texas (9,194), Florida (6,299), Georgia (5,325). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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