Date Received: 2023-11-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I received a garnishment summons from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems , LLC and my earnings have started to be garnish, I'm not able to pay my rent due to this. This company purchased this debt which was written off on XX/XX/2011 by the retailer, XXXX XXXX XXXX amount of {$1700.00} and now this company wants me to pay {$2400.00} ( it includes {$1700.00} + {$500.00} Interest + {$58.00} Judgement Cost + {$76.00} Garnishment Cost ). I don't owe this company anything because I haven't done any type of business with them. Please help me because I'm in my XXXX 's and the amount that my employer is taking out of my paycheck makes it impossible to pay rent, utilities, and food. Companies like this should not be allowed to keep on hurting people who can not afford to pay for something that was closed over XXXX XXXX XXXX.
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This company and the cellphone company in question were both included in bankruptcy that I had and I have never had another account with the cellphone company. The debt collection company sent a letter and I responded immediately with a debt validation and never received anything. What they did was put the collection on my credit reports without validating or sending me any of the information that I requested.
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a XXXX of items on my credit report that I have no clue what it is and I was incarcerated at the supposed time these companies say I opened the account
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A fraudulent loan of {$15000.00} of a opened account from XX/XX/2023 from XXXX is showing up. There is no knowledge of this account and was never authorized. I never had any relationship with XXXXXXXX XXXX nor has a loan ever been authorized with this amount.
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This debt was originally from a XXXX bill from over 8 years ago. I handled the bill with company directly. Jefferson Capital has no right to this debt. I want to see the original debt and contract.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX Compliant of Identity Theft Reference : Credit Cards To whom this may Concern : I am writing to you to complain about the following information below that appears in my name at the credit bureaus : XXXX credit report XXXX I have written to the credit bureaus asking them to resolve these issues on my credit report, but they refuse. The creditors are updating old credit and accounts that are not mine. The creditors are Jefferson Capital, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFurthermore, I hope this letter will help you understand why those creditors are trying to keep this debt on my credit file and prevent me from obtaining credit. In XXXX, we purchased our home, and some years later, someone signed a municipal Bond using my maiden name since I was not married at the time of purchase and married the next year. In XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-based not-for-profit 501 3 public benefit corporation to establish a public radio station to provide educational programming services to XXXX. In XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the State of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its target market is the XXXX designated areas ( DMA ). In, XXXX, the XXXX formed XXXX XXXX XXXX XXXX organized as an externally managed, non-diversified closed-end management Investment Company and has elected to regulation as a XXXX XXXX XXXX XXXX XXXX ) under the XXXX XXXX XXXX XXXX XXXX to invest in private business. In addition, XXXX XXXX XXXX XXXX should have received {$10000.00} for our project from XXXX. In XXXX, the funding that went into the XXXX XXXX XXXX XXXX XXXX should been granted to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX public radio station, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX filed for investments as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They filed as a Trade Association through XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Addition, to XXXX is Investment, Institutional service, and retail using XXXX XXXX, on the XXXX XXXX XXXX ( XXXX ), as the assigned issuer rating service using the ticker symbol ( XXXX ). In XXXX, XXXX XXXX XXXX XXXX Federal Communications Commission ( FCC ) XXXX as an Educational Radio Corporation. Instead, in XXXX XXXX XXXX allocated its first grant to the XXXX XXXX XXXX ( XXXX XXXX, for operations from the XXXX XXXX XXXX XXXX XXXX The State of XXXX created the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), and the Alabama XXXX XXXX ( XXXX XXXX as a Government Entity, and later allocated funds to Community Action as a XXXX XXXX XXXX ( XXXX ). Sometimes, between XXXX and XXXX, I went to the Judge of probate to update some of the officers on the corporation but XXXX and individuals who worked for the State of XXXX informed me incorrectly and had me to form a new Corporation. During that same time, the XXXX XXXX XXXX formed and created new laws, so they could operate non-profit and for-profit entities. They stole the title of our home, and individuals with similar names used the title of our home in a XXXX XXXX XXXX ( XXXX ) XXXX and applied for a Municipal Bond in my name. ( See Attached XXXX ). In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) invoiced us with the bill while they were using both entities and receiving all the benefits. XXXX ( XXXX XXXX ), as nonprofits. The Commission used XXXX XXXX XXXX XXXX as a Government enterprise. ( See Attached 2 ). In XXXX, HUD modified our loan and attached a {$34000.00}, XXXX loan to our home funding other individual ventures they created using my XXXX XXXX ( XXXX ). They are expecting us to pay for a loan out of our pocket and have not received any benefits. In addition, they used XXXX XXXX XXXX XXXX, to give away scholarships to individuals, schools, colleges, and their colleague 's businesses. In XXXX, the commission used the XXXX XXXX XXXX XXXX Tax ID number filed for securities at the XXXX XXXX XXXX XXXX XXXX ), and sent me a copy of the Investment portfolio. In addition, trading socks in XXXX on the XXXX XXXX in XXXX XXXX doing business as XXXX XXXX, etc., and other investors receiving dividends. In XXXX, XXXX XXXX XXXX told us that they held the Bond on our home for the rights of the Bondholder without our knowledge as part of a government entity that used our nonprofit, charity, and commercial entity to construct, build schools, churches, business, parks, etc., ( See Attached 3 ). In XXXX, liens were on both of my businesses they used XXXX without my knowledge, disputed, and removed. In XXXX, through research, I found out that the judge of probate granted my power of attorney to someone in XXXX and XXXX from XXXX until XXXX statewide without my permission. The commission used the name filed under XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) as a foreign entity registering companies in XXXX. ( See Attached XXXX ). Over the years, they have accumulated cash, stocks, bonds, mutual funds, land, retail property, public schools, and magnet schools, while using our intellectual Property ( IP ) they filed on the market, and have not compensated us for the use of my IP nor with any Grants or Dividends. On XX/XX/XXXX, I filed a police report. Case number XXXX, notifying the XXXX XXXX XXXX that someone had stolen my identity and Business.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a debt collector from XXXX XXXX reaching out to me to collect a debt of around {$590.00}. This debt happened because when I switched cellular providers ( FROM XXXX XXXX XXXX XXXX XXXX ), I was told by the XXXX XXXX XXXX sales rep, who came to my house, that the remaining amount due for my phone would be paid of, by XXXX XXXX XXXX. I did not find out until years later that this was never taken care of. This debt collection is now severely affecting my credit. I am XXXX overseas right now and dont have the contracting paperwork that mentioned this agreement. However, I know this is what was promised to me by XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX XXXX, I observed a decline of over XXXX XXXX in my credit score linked to Jefferson Capital , a company I believe XXXX enlisted to collect a debt wrongly attributed to me. Despite providing a recording from XXXX acknowledging the fraud, they insist on a police report, contrary to their policy. I declined to obtain a police report, and they persist in keeping the issue open, neglecting to resolve the erroneous debt. If you have an email, I will be happy to send you the voice recording between XXXX and myself.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a certified letter asking the company ( Jefferson capital ) to verify this debt. I never did business with this company and have no knowledge of the debt with them. They replied with some generic letter and would not provide me with the proof of contract between me and them or the contract between them and the supposed original debtor. no chain of custody provided and they would not remove the debt from my consumer credit report as required under the FCDPA.
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, My name is XXXX XXXX XXXX, I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this complaint in good faith, with hope that it can be resolved amicably. This unilaterally signed agreement contains errors that I have become aware of. Please see the Claims to an Instrument Notice, along with a Revocation of Power of Attorney, Rejected and Modified agreement attached. This shall serve as a Notice to Jefferson Capital Systems , LLC 's affiliates as well, including the card issuers. XXXX XXXX XXXX, Consumer. All Rights Reserved UCC 1-308
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A