Date Received: 2022-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I lost my social security card and few years back and I checked my credit report and noticed their were two accounts recently opened under my social security number and I tried to dispute those accounts so they can be closed and off my credit but its saying the account stuff is accurate and I physically went and opened those accounts when I never have any acknowledgment of these accounts even being opened in my name. Someone else is using my social security number without my permission and charging things to my credit making it go down.
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name JEFFERSON CAPITAL SYSTEM , has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information An other adverse item of information, other than records of convictions of crimes wnich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account Number XXXX Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXXXXXX XXXX {$290.00}
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: In XXXX I applied for XXXX XXXX bankruptcy on a XXXX XXXX XXXX and it was granted this company has sold the debt to Jefferson capital and they have been harassing me after they got paided for the vehicle they are trying to get extra and even triple for the vehicle
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX a Request to Validate an Alleged Debt by invoking Title 15 U.S.C 1692g Section 809 ( b ) to an entity that goes by the name JEFFERSON CAPITAL SYSTEMS , LLC was sent and mailed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached herein this notice and complaint is the proof that JEFFERSON CAPITAL SYSTEMS , LLC has accepted and received the Request to Validate an Alleged Debt ( the request is NOT a request for verification of debt ) on XX/XX/XXXX at XXXX as evidenced with the XXXX XXXX XXXX XXXX The consumer who provides this Notice and Request to Validate Alleged Debt ( NOT a request to verify debt ) reserves all their rights without waiver in accord to Uniform Commercial Code Section 1-308 and Title 13 Pa.C.S. 1308
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: In XXXX of XXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from Jefferson Capital Systems of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing. VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys. I am XXXX yrs old and purchased a home XXXX. XXXX XXXX XXXX XXXX. sent me a pretrial form Over a Jefferson Capital Systems again debt of XXXX XXXX. XXXX XXXX XXXX XXXX. firm sent XXXX XXXX XXXX XXXX from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver. My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase. XXXX XXXX XXXX, XXXX XXXXXXXX. collections for Jefferson Capital Systems closed debts. This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to Jefferson Capital Systems. I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because XXXX XXXX XXXX says I owe this debt. I produced a collection form from XXXX XXXX for Jefferson Cap.Systems from XXXX my credit reports whoing the account closed written off in XXXX Jefferson Capital Systems removed themselves from creit reporting agencys there is no debt owed to them or the original debt holder. XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXX # XXXX XXXX XXXX XXXX XXXX after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe. And I do not owe XXXX should not have to pay anything.They should pay me for Harrassment. These created and manipulated billing statements from XXXX XXXXXXXX XXXX Had my name and address correct. The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed. These deb collectors should be charged for false documentation to collect a debt not owed. I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i have contacted jefferson capital syst for a debt validation letter so many times but they did not provide it to me. then i received a letter from another third party named XXXX XXXX who said to be representing this same debt. i requested for debt validation again but none was sent to me. this matter is confusing as this looks suspicious. different companies contacting me that they are representing another third party company. i do not recognize any of this so i am asking them to stop contacting and delete this off my report.
Company Response:
State: ID
Zip: 83714
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am constantly receiving letters from Jefferson capital systems Trying to collect on a debt that I do not own I have reached out to the company on several occasions and the company refuses to Validate such claims and continues to harass and threaten to garnish my wages and/or salary if demands are not met
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX, this collection agency sent me a letter or statement to my house. I called them yesterday I informed them that I resolved this several years ago but they dont give me a clear answer. XXXX XXXX, XXXX this collection agency I call Them yesterday. I let them know that I dont owed any rent in this Apartment Community this was resolved several years ago. But she dont want to listen to my explanation. All she said give me your credit card.
Company Response:
State: IL
Zip: 60585
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: jefferson capital keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor XXXX XXXX XXXX and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. JCS Reference number XXXX account number XXXX
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Original debt to XXXX XXXX was approximately {$450.00}. {$250.00} for early termination fee and a 1 month bill. Jefferson Capital Systems XXXX XXXX. XXXX MN is claiming I owe over {$4000.00}. A representative I spoke to on XX/XX/2022 stated there were late fees of over {$3400.00} charged within a 6 month period.
Company Response:
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A