Date Received: 2022-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2017 I changed my wireless mobile provider from XXXX XXXX to XXXX XXXX XXXX. When I left XXXX wireless my account was in good standing with {$0.00} balance owed. Several months later I received a bill from XXXX XXXX in the amount of over {$1200.00}. When I called XXXX XXXX and attempted to find out what this bill was for, no one could figure it out and stated to me they arent sure. I advised them that I was not sending any payment to them unless they can clearly explain to me what the bill was for, because I confirmed via telephone with a XXXX XXXX representative when I made my last billing cycle payment that there was absolutely nothing left else I owed ( hidden cost, termination fees, etc. ). But he insured me that there was nothing else. For a few more months I attempted on multiple phone calls to them over and over again to find what this bill was I received for more than {$1200.00} but every time, not a single person understood it and was not able to explain anything at all to me. Eventually they sent it to collections where it still remains and continues to hold my overall credit score down. After a few months of it being in collections I went to a local XXXX XXXX corporate store and went over the bill with a manager there, who was the first intelligent person to figure out what they were looking at and explained to me it looks like XXXX XXXX continued to bill monthly cycles under my account, even though the account was terminated the day I switched to XXXX XXXX XXXX. How do you bill Someone for months that isnt even no longer a customer? This is a huge mistake on XXXX part and because of their negligence, my credit has been severely damaged! I cant even talk to someone with XXXX XXXX to have them straighten it out since its there fault, because they told me they no longer hold the account, and that the collection agency ( Jefferson Capital ) now holds the information. And when I called Jefferson capital to notify them that they were sold a bogus account from XXXX XXXX, they advised me there is nothing they can do for me and just kept asking me how I want to pay it? I told them I was not paying anything because there was no debt in the first place. I need this matter to be deleted from my credit history and wiped clean immediately. This has been so unfair and has really caused a lot of headaches financially for me.
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is reporting an account to my credit report, I have never had an account with this company.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have disputed this charge multiple times because I never opened this account. I was never even aware of it until it was a negative on my credit report.
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital System has not provided me with a contract that shows I entered an agreement to pay the debt they say I owe them. When I called and spoke to someone they claimed that they could not even pull up the account number they it shows is listed on my account per the credit report. I owe them nothing.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC for a number of federal violations. I have never given Jefferson Capital Systems , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from Jefferson Capital Systems , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I buy a car in the process something was not right with the sale..I agree with the financial and dealer to closes..they explained to me the financial language will negative in my side but because is another way to let happened... they refund some money by electronic deposit and final send me Small check to closed in positive the agreement..in the process when my account stared to collapse collection company buy this account. My original financial account closed (, not exist in the records ) and collection NEVER show up untill this XXXX reported in my credit that I owed them..after I denied that I don't owe anything to them they send me to Court I do show I REQUESTED before judge where is the proof my responsibility with them they never did.just because they said the original financial is where they requested this money .I told the judge that account is closed in good terms as agreement between the dealership and financial and me. And then the judge ask for investigation... time past is not investigation made because the account is not exist anymore. Finally I got the Court for trial..is pending for XXXX ... and my question is the evidence to collections present is bunch of page without any information..plus the dates are wrong the amount I pay in the original not mach is Several mistakes and not included that in credit is damage because all my credit decrease drastically for their report account..not even when the original financial collapse my contract was affected the way this people intended to do.. please help me and educated me what's my options to removes this XXXX people of me.i was planing to buy me a house and right on the time my credit was good everything denied because this people set up a debit was not longer in my record.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Jefferson Capital has repeatedly continued to call me at XXXX XXXX every day for the last 5 days including this morning XXXX I have told them to stop contacting me and that all communication should be through mail. They claim that its based off of my phone numbers area code yet Ive told them I dont live where the area code for my cellphone is registered. I asked them to send a letter to the address on file and stop phone communication. Yet Im woken up every day 26 minutes before I have to get up.
Company Response:
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, and XXXX have 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 an account without written instructions. The following information is incorrectly reported by XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEM ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEMS ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: About a year ago I disputed a debt from XXXX XXXX and had it removed from collections then it popped back up a few months ago. I just got off the phone w the debt collectors and he advised me to report fraud as there is an address linked to that XXXX account I never heard of or resided.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 a XXXX XXXX account was opened in my name. The person added an authorized user of " XXXX XXXX. '' Within the last XXXX weeks, I began the process of closing on a home. Then, a collection account from Jefferson Capital Systems appeared on my credit reports. I disputed the debt because I knew nothing of it. I then contacted XXXX, who let me know about the account that had been opened in my name, wasn't paid, and was sent to collections. The person used my name, social security number, and an outdated address. I have attempted to contact Jefferson Capital Systems by phone, to no avail. I have filed a police report and provided it to XXXX. This is a clear-cut case of identity fraud, and it is close to making my entire family XXXX
Company Response:
State: AL
Zip: 35160
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A