Date Received: 2022-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM account with a balance of {$240.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Company Response:
State: NY
Zip: 11416
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collector advises account was opened XXXX i have no knowledge of the agency nor did i open an account with them- XXXX has no record of debit owed- XX/XX/17 XXXX made an escalation of this account due to poor celluar service- XXXX operator # XXXX that advised that no further action would need to be taken on our part.
Company Response:
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2022-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX Last reported XXXX XXXX, 2022 {$9400.00} Open balance XXXX XXXX XXXX Original creditor This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XX/XX/2022 a debit collection on the name Jefferson Capital System LLC with the account number XXXX and post with {$480.00} With the address on XXXX XXXX XXXX, XXXX, MN XXXX I want this Collection Agency to provide in writing any agreement and my signature to prove I own them that amount of money If they cant provide this they need to cancel and announce the Credit Company to stop posting this in my account Again they need to provide letters with my Signature that I own {$480.00} to Jefferson Capital System LLC If they can I will appeal by The Federal Law protection of Consumers Fair
Company Response:
State: AZ
Zip: 85351
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was called on XX/XX/22 at XXXX am, the company was XXXX XXXX XXXX via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.
Company Response:
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A couple of months ago I reached out to XXXX XXXX about a debt that wasnt mine. I disputed it and it was removed as the agency could not provide any info. Now XX/XX/22 the same debt popped up on my report again but with a different creditors name on it. I called them immediately and they said it would need to pay for them to see it. The name was XXXX on the account. I never got any info on who they were trying to collect a debt for or the amount. He refused until I paid to have my credit report pulled. I have NEVER ever had an agency ask for me to pay so I did not.
Company Response:
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Reporting negative items on credit for XXXX XXXX, calling breathing over the phone not saying anything then hang up when I say hello. I have an old account with XXXX thats in debt, My wife added me on her phone line with XXXX I have same number from old debt. When my wife late paying late bill this collection agent violate me with punishment towards my credit. My wife account is different from my debt. They treat it as if its my account because of my number. Its unfair and unprofessional. Bullying tactics. Before account closed I tried making a payment plan XXXX denied my request.
Company Response:
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I filed an initial complaint to receive debt verification from Jefferson Capital Systems and I received another bill. However, the little information that was provided is not enough to verify the debt. All they provided was a bill with different payment options and how to pay them.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is another company stating I owe XXXX and I already disputed the XXXX one. I dont understand how I could owe them twice to two different collection agencies. I want this off of my credit please
Company Response:
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report and realized this collection is wrong. This collection is not mine and I have no knowledge of it.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A