Date Received: 2021-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jeffersons Capital is reporting inaccurate information. This information is based off previous information that they have reported. I am requesting that they delete and remove said record due to inaccurate reporting. Per credit guidelines a debt collector must report accurate information. Jefferson capital has violated that order. On XX/XX/XXXX the collection dropped off. However, as my records indicate Jefferson Capital went back and added debt onto my account as of XX/XX/XXXX. That is in accurate as there previous records has never indicated an account as of XX/XX/XXXX and the account had dropped off. I am requesting this account be deleted & removed.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to Jefferson Capital and requesting information in which I have yet to receive a response. Jefferson Capital is in violation of my rights as a federally protected consumer.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is regarding account # XXXX, which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within XXXX days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. - Very Respectfully, XXXX XXXX
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Jefferson Capital systems never contacted me about settling this debt and they keep refilling i. I have tried to contact them and they wont negotiate it at all.
Company Response:
State: CA
Zip: 91362
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have submitted four disputes in the last two month to XXXX Jefferson capital is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a XXXX XXXX bankruptcy petition and closure.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Date- XX/XX/2021 amounts- {$70.00} actions that were taken by you or the company- Company has sent multiple letters requesting payment in response to money owed from XXXX. ( which is non-existent debt after speaking with XXXX customer service )
Company Response:
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My complaint is about a debt collector Jefferson Capital System LLC. They are claiming that I owed a credit card debt with an amount of {$3800.00} back in year XXXX with XXXX XXXX XXXX. First, I received a call from them XXXX this year informing me about this debt. On my best knowledge and recollection, I don't have any credit card with this amount of credit card limit even back in XXXX or 19 years ago. So I told to the person I spoked to that I did not owe anything from XXXX XXXX XXXX with a credit card like that. He was so rude yelling at me that it is my debt and my responsibility to pay it. I can not pronounce his name also he has this XXXX accent. Then on XX/XX/XXXX, I received an anonymous call that letting me know that there will be an attempt to serve me a court summon filed against me on my home address or place of employment. The caller not even identifying herself stated that if I did not call back this law firm with a certain number XXXX and I will be in danger to miss a court date and I will be in default judgement. On my mind this must be a scam so I did not answer this unknown caller. On XX/XX/XXXX anyways, I decided to call that number because it stressed me out, it deprived my sleep and I am scared to be in default judgement. I found out the name of the law firm is " XXXX XXXX XXXX '' stating that the summon is about this credit card debt. They even said that I owe a flat {$5000.00} instead of {$3800.00}, that's misleading to me. They also threaten me that if I did not negotiate with this debt they will put lien on my car or garnish my bank account. I googled and research this law firm but nothing came out with this name or even an address of the business. It is sound shady to me. So I realized that my personal information was involved on a fraudulent activity. On the same day I called XXXX XXXX XXXX ( also my bank for checking account ), to verify this debt that this law firm and XXXX XXXX claiming about. XXXX XXXX XXXX have no records of anything this credit card account on my name, or signed contract bearing my signature, and any monthly payments I made towards this credit card debt. Now I am alarmed thinking my personal information is compromised. I called the 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) to freeze my credit file thinking that they will damage my credit. I also inquired if this account is listed on my credit report. This debt is not even listed on my 3 credit bureaus report. I also called the police on the same day to file a police report but the police department refused me to file a complaint. Letting me know that let these people sue me to court and defend myself. I also filed a complaint online to the Federal Trade Commission about this incident. On XX/XX/XXXX, I received a statement of debt from XXXX XXXX. Why XXXX XXXX just sending this now before they attempt to sue me in court? It's been a month over now when XXXX XXXX XXXX threaten to sue me in court. I did not received anything from this law firm, any single letter or this summon they talking about until now. This insanity is not finished yet. On XX/XX/XXXX I received another unknown caller number from a certain law firm again not the same one before but a different law firm stating again a court summon about this debt. Again if I missed the court date I will be in default and will received a judgement against me without my knowledge. Their number is XXXX. When I called and inquire about the name of this law firm he pronounced the name in a quick manner, so the name is not really clear for me. He is asking me about my personal information like my social # and birthdate. I did not give it to him my personal information because I know already this might be a scam and I don't want to compromise my personal information. He also threaten me that if I did not cooperate he will see me in court. I did not bother to call back with this shady law firm anymore instead I sent a " Validation Letter '' of debt on XX/XX/XXXX to XXXX XXXX. The letter is still on transit as of today and waiting for them to receive this registered mail with return receipt. Please I need help and resolution with this issue. I might be a victim of fraud or scam.
Company Response:
State: TX
Zip: 77061
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In the year 2019 I had this company open a report stating I owed them XXXX and some change. My credit was rising but when they jumped on my credit since 2019 they have tore my credit down for something that is not my legal responsibility. If this does not get them off my credit my next step will be to hire an attorney. This has been affecting me for 3 years now cost me from buying me n my kids a home
Company Response:
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently review my credit report and notice there were inaccurarcies. A JEFFERSON CAPITAL SYST amount of XXXX is not my debt. I was a victim of id theft and im not responsible for collection. Below is a copy for information related to the debt. This collection is compromsing my chances of acquring a place to live. JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX : 0 % Balance on XX/XX/XXXX Original balance {$850.00} {$850.00} Payment Info Original balance {$850.00} Balance {$850.00} Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Status date XX/XX/XXXX Additional info Comments-
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX Acct # XXXX Dear XXXX XXXX XXXX : I have not received any communications from you as to the validity of this account or debt. I was not able to dispute this debt as it is not my account and does not belong to me. It is now a negative item on all three credit bureaus.Please supply the information below so that I can be fully informed. Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm, Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as disputed. If you can not provide this information, the negative information must be removed from XXXX, XXXX and XXXX. Thank you for your cooperation. Sincerely, XXXX XXXX
Company Response:
State: WA
Zip: 989XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A