Date Received: 2022-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company is reporting to my Credit report yet has never provided me proof of Debt. I have asked for this numerous times
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: on XX/XX/2021 I settled a debt to Jefferson capital systems , LLC for {$2200.00} that XXXX SOLD to them on my behalf without my permission. Jefferson cap. then furnished my credit report without my consent to try to collect debt on behalf of XXXX. Before doing my own research on legalities and identity theft, fraud, and defamation of character I went ahead and paid this alleged debt.
Company Response:
State: OK
Zip: 749XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent Jefferson Capital a police report almost 2 years ago notifying them that a debt that they were trying to collect was from identity theft. Also with the information I sent my then address that was XXXX XXXX XXXX XXXX XXXX which is also noted on the police report. 2 years later Jefferson capital has tried to covertly sue me for this debt using the old address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, without even having someone to sign for the notice they know that this is no longer my residence and has not been my residence for many years. The tenant got in touch with me through the property management company to let me know about this. Jefferson capital is being deceptive because they were sent the information over two years ago. I am including the same police report that i sent to the company 2 years ago.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit report today and this company was listed on my credit file stating that I owed them a balance for XXXX XXXX. I dont owe this company anything because I dont have a contract with them or XXXX XXXX and XXXX never received any notification from this company pertaining to a balance or amount owed. I have reached out to XXXX to submit a formal identity theft complaint and report because I never received service from XXXX I have been with XXXX for over XXXX years. The account also has a status of open how can a collection account be open? On my credit report
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: PLEASE SEE ATTACHMENTS. FDCPA, FCRA, GLB Act violations committed against me. XXXX is using my identity for financial gain against my knowledge and consent.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XX/XX/2022 I was surprised to find out that I was rejected from being able to accept the student loans that I had qualified for in order to send my daughter to college. This was a shock considering I am a single working mother with one job of over 28 years, and no debt at all except for a mortgage. I only have one credit card that I use, and I have no outstanding debt at all except my mortgage. I pay all my credit card statements in full each month, so there is no debt in my name. I asked for a full credit report from XXXX XXXX to find out why I was rejected. I was shocked to find that the report showed a name on my credit report that was not my name ( they have since taken off ). In addition, the report showed a phone number that I don't recognize. I have some credit cards that were issued in my name from XXXX including a debt collection agency ( Jefferson Capital Systems ) that has tried to get {$4200.00} from an unpaid XXXX XXXX account XXXX even though I have never had the credit cards named, nor have I I never had a XXXX XXXX account XXXX I issued an immediate investigation by XXXX XXXX and in XXXX I was told that the report was accurate. I have tried contacting Jefferson Capital Systems and have been unable to even get into their system. I also contacted my family financial advisor and she was unable to give me any names of people or companies that may help. I hope you can help to investigate further how these accounts were issued in my name and remove them from my credit history! Thank you.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid off my debt for : XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS LLC Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. Debt was supposed to be paid off and also supposed to be deleted off my credit report. After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. XXXX IS A ONE PERSON CONSENT STATE.
Company Response:
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This debit was sold to a credit company and they have been sending me threatening phone calls account is closed
Company Response:
State: MI
Zip: 48203
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am not responsible for this debt. This debt belongs to XXXX XXXX XXXX ( a previous employer ) and should be removed from my credit report. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from Jefferson Capital and the debt should not be transferred to any other collection agency. Please cease & desist immediately.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Captial System has placed an account on my tradeline that does not belong to me. I have asked that they validate the debt, provide signed agreements, provide documentation that they own the debt and they have failed to comply. They have harassed me and caused me personal injury with their illegal collection 's tactics. I have also found that they are not licensed to collect any debt in my forum state. Account number ( listed on my credit report XXXX Amount XXXX Date on credit report XX/XX/22 ( account have been re-aged for a few years Jefferson Captial ) This company has violated several federal laws and I demand that something be done.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A