Date Received: 2021-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021 I received a notice of debt from " JEFFERSON CAPITAL ''. with this communication they've engaged in the following actions : Violation of 18 U.S. Code 1028 ( a ) ( 7 ) Violation of 15 U.S. Code 1692c ( a ) Violation of 15 U.S. Code 1692c ( a ) ( 1 ) Violation of 15 U.S. Code 1692d Violation of 15 U.S. Code 1692d ( 1 ) Violation of 15 U.S. Code 1692d ( 2 ) Violation of 15 U.S. Code 1692e ( 2 ) ( A ) Violation of 15 U.S. Code 1692e ( 10 ) Violation of 15 U.S. Code 1692b ( 1 ) Violation of 15 U.S. Code 1692b ( 2 ) Violation of 15 U.S. Code 1692b ( 5 ) On 07/22/2021 I sent " JEFFERSON CAPITAL '' an affidavit of truth ( via certified mail ) regarding the " notice of debt '' and how with this notice they have violated federal law, constituted identity theft, and caused and invasion on my personal and consumer privacy. I sent " JEFFERSON CAPITAL '' a consumer demand for civil penalty pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) and pursuant to 15 U.S. Code 1692k ( a ) ( A ) On 07/26/2021 the postal service confirmed " JEFFERSON CAPITAL '' received my communications. On XX/XX/2021 I spoke with an agent of " JEFFERSON CAPITAL '' ( XXXX XXXX ) and she further confirmed that " JEFFERSON CAPITAL '' had received the affidavit and consumer demand. " JEFFERSON CAPITAL '' is knowingly and willingly violating federal law and not adhering to their legal obligations. They are running wild and need to be stopped. Many consumers will be harmed if they don't stop.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are Jefferson Capital Systems LLC and XXXX XXXX, XXXX
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson capital sent me a notice of a XXXX phone bill XXXX. I never had XXXX phone. I requested validation of the debt. Jefferson capital only sent me a statement showing the balance. Not the original contract with phone company XXXX XXXX.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with Jefferson Capital Systems LLC over a debt Ive deny obligations of. Jefferson Capital Systems LLC purchased my information from XXXX XXXX XXXX since then Jefferson Capital Systems LLC took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years Jefferson Capital Systems has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from Jefferson Capital Systems Stop immediately. Jefferson Capital Systems LLC have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Called Jefferson Capital Systems LLC to find out what the debt was about and why did it just showed up on my credit report. I have never heard of a company called Jefferson Capital System. I never got a notice in writting to validity of the debt or who the debt was for. I called and talked to XXXX ( not in XXXX ) language barrier and was very hard to talk to and she passed me to XXXX and i had a hard time talking to her and asked for the Legal Dept. and she said she was in the legal dept. Ask to talk to someone with the legal dept who i could understand and was passed to another gental man who i couldn't get his name and fininally just hung up on them. Called XXXX XXXX XXXX in XXXX XXXX Mn and getting nothing but a recorded line about account numbers or SS which i will not give my SS to just anyone. So i filed a compliant the Sec of State in MN. and with this agency.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Their records show i opened a XXXX account in XX/XX/2020. I did not open a XXXX account in XX/XX/2020. I've talked to way too many people who are either rude or hang up on me. They said they cant send me any kind of proof that it was or wasn't me. I asked for the contract with my signature and they hung up on me. My cell phone provider is XXXX for the last 5 years under someone else 's name. My name isn't on the account and i don't pay for it.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.
Company Response:
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XX/XX/XXXX I open a car loan with XXXX XXXX XXXX and I wasnt available pay the loan and I returned the car after years they close the account and in XX/XX/XXXX I have open account with jefferson capital ay I cant pay Im unemployed because of COVID-19 Im a young XXXX I trying to clean this from my collection pls is been 6 year and they call me almost every day and had passed my debt to others collection company selling my dept to others to make profits
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2021 Jefferson capital systems emailed my father my entire debt account information. He is not the account holder nor has his information been provided to them. They found his email and emailed him.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A