Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was first contacted by email ( copy attached ). They failed to notify of this debt by regular mail. I have, hopefully, enclosed what was received by me in mail during that five day period ( copies of Informed Delivery attached ). Upon looking at this letter and at the amount, I would conclude possibly being scammed by this entity. XXXX was acquired by XXXX on XXXX XXXX XXXX and ceased to exist by that XXXX. I am a current customer of XXXX and have recently purchased a XXXX XXXX XXXXXXXX XXXX XXXX from them for {$190.00}, which I am currently paying for. Another suspicion of mine on is that the amount claimed is only XXXX cents more. Its been over seven years since I did any business with XXXX and the only records that I keep longer than five years are income tax records.
Company Response:
State: OK
Zip: 74066
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Sent validation letter on XX/XX/ company has not responded or sent validation within the 30 days
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Been dealing with this JEFFERSON CAPITAL SYSTEMS issues for couple years. They haven't provided any proof of agreement to a contract my my signature to their agency of this debt. I am requesting to have this removed off my credit report immediately.
Company Response:
State: TX
Zip: 77076
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: JCS is listed as debt collector for multiple accounts on my reports. Ive received zero communication to validate debts nor Information pertaining to my rights. JCS has not attempted to contact me in any way that would allow my to be able to exercise my rights under FDCPA.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received another debt the third debt collector it has been given to for {$5800.00} and it has been going on since XXXX. I have tried to prove that it was Identity Theft maybe due to the XXXX data breach and that Im XXXX XXXX XXXX and would never do any loans on line or know how to go about it.
Company Response:
State: GA
Zip: 30528
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an alert that my credit score had dropped from XXXX. Upon looking into this matter, I found a company was looking to send me to collections for a purchase that was made. The debt collection company is Jefferson Capital. I called them on XX/XX/ to explain to them that this was not my debt, I had never heard of the original debtor which is XXXX. The amount they are trying to collect is {$3800.00}. I told them that I did not make a purchase to this company and that the collection process needed to stop as this is not my debt. They said they would send it to the appropriate office and have someone look into it. I called again on XXXX XXXX XXXX to check on the status. I spoke to a gentleman named XXXX who said he would look into it further. I would like this taken care of as soon as possible since my credit score has been damaged.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Past time line to collect debt so can not. Needs to be deleted from credit report if hurting account. Inaccurate information is subject to deletion. Please send me a new credit report once this error has been fixed
Company Response:
State: ID
Zip: 83642
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Jefferson Capital, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Jefferson Capital has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've received a copy of my credit report, and JEFFERSON CAPITAL SYSTEMS is claiming! have an account with them, or I owe them something. I'm a victim of Identity theft and I have never entered any business arrangement, and I have never signed any contract to conduct any kind of business with JEFFERSON CAPITAL SYSTEMS. Also, because they are a XXXX XXXX collector, they should have no permission to furnish XXXX information on my credit report in the XXXX place. The law states that before you collect XXXX information about me, you must get my authorization to access my credit report for XXXX reason. JEFFERSON CAPITAL SYSTEMS didn't do that at XXXX, and there's no way I would ever have given a slimy collection company permission to slander me on my credit reports. There company is reporting a collection account as an open account with XXXX XXXX late is a violation of the law as well. A Collections account can not have a " OPEN STATUS '' as a creditor account. Here 's the law in case you have never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( XXXX ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. ( iii ) in the case of consent under clause ( i ) or ( li ) given orally, is provided written confirmation of that consent by the person making the communication, not later than XXXX XXXX XXXX after the receipt of the consent by that person. Also, another company named NEW WAVE CARD /WEBBANK XXXX it sold an alleged debt to XXXX XXXX XXXX XXXX the amount of {$0.00} with a different account number, dollar amount, open dates, and account status. Now, I am also exercising my right under the XXXX to dispute the alleged account and demand validation from you. I'll break it down very easily for you. But know this, should you fail to provide each and every thing I request from you, and don't worry, the list will be short, sweet and to XXXX XXXX, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to XXXX and every XXXX of my credit reports from every single credit repository to which you've submitted this unverified and un-validated information. This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, you'll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature not a fraudulent application submitted on my behalf, Especially Naming JEFFERSON CAPITAL SYSTEM as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : XXXX. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of XXXX access to my personal credit report/file. XXXX. Provide a Certified copy of my full chain of assignment starting with the original creditor to XXXX and every XXXX XXXX collection company to present. XXXX. Provide a full accounting. Every charge, XXXX payment, XXXX fee, interest, credit, and XXXX other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The following furnishing persons have violated my consumer rights, JEFFERSON CAPITAL SYST XXXX # XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnisher has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A