Date Received: 2021-03-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: on XX/XX/XXXX I received a letter from Jefferson Capital Systems LLC stating that acct # XXXX XXXX Ref # XXXX Debt Description : XXXX ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. I contacted XXXX at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this XXXX account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used XXXX to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this XXXX account was linked to as it is separate from the legitimate XXXX account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. I contacted XXXX XXXX at the number provided XXXX per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to XXXX for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to XXXX & XXXX XXXX.
Company Response:
State: MO
Zip: 63109
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discovered today that this debt is reporting on my credit and is associated with a name and address that is not mine.
Company Response:
State: TX
Zip: 77039
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The company has failed to correspond regarding an account that does not belong to me. The number that I was provided no one never answers. I also have disputed the account with the credit bureau and have attempted several times to do a direct dispute with the original creditor and the collection but they have failed to respond.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I received calls asking for {$44.00} to XXXX and I told the person I didn't know what they were talking about and they had me do a complaint over the phone with them saying that I didn't know anything about the money. The were very admit that I did owe this {$44.00} because something that XXXX had done. I asked to speak with the manager and I thought that everthing had been taken care off ; then I received this letter from a Jefferson Capital. I called the number to ask what this was about and say that I didn't borrow {$44.00} the man starting asking odd questions so I asked to speak with a manager. He would not transfer to a manager said if I didn't tell him what he wanted then He would not help me. I tried for a second time and then told him that I would falllow up with an attorney. as I looked over the documents I noticed on the back of the frount page there was writing and it communicated information about The Federal Trade Commission and I tried to produce a complaint when was transfered to CDPB. Can you please help in this matter. thier contact informaion is Jefferson Capital Physical Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( This is what it says ) Debt Description : XXXX ACCOUNT Account # XXXX Current Creditor : Jefferson Capital Systems LLC JCS Reference # : XXXX Amount of the Debt : {$44.00} Unless you contact us in 30 days we will assume the debt id valid. The date of this letter was dated XX/XX/XXXX and I just recived it not toolong ago and this is XX/XX/XXXX. This this just is so odd they say that if I contact them within 30 days after the letter then they will give me a copy of the judgment against me. very odd. the whole thing is that I really have no Idea of what they are refering to in the first place and I believe they are doing this to a lot of people to get money. I beive this is fraud a scam to scare people so they will say that it such a small amount let me just pay it. No Way I will not be that somebody who will be taken advantage and it is my American right to stand up help the others who may be the victim of a crime such as this. Thank you for your assistance in this matter. XXXX XXXXXXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly. 15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine. *15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Company Response:
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from XXXX XXXX even though it was said it was taken care of.
Company Response:
State: CA
Zip: 93654
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My social security number was used by someone else in XXXX of 2014 to open this account
Company Response:
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XX/XX/21 Caller was looking for my mother 's information. When I called their number back it requests for bank account number and FULL Social Security Number. The recording claims to be Jefferson Capitol llc. I believe they are scam callers trying to steal people 's information and money. They called from XXXX XXXX XXXX XXXX
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to Jefferson Capital collection agency. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.
Company Response:
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A