Date Received: 2023-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Against [ Collection Agency Name ] To Whom It May Concern, I am writing to file a formal complaint against Jefferson Capital regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter. I have previously disputed these accounts with Jefferson Capital and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts. I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Jefferson Capital. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. I appreciate your prompt attention to this matter and look forward to a resolution. Sincerely, XXXX XXXX
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was robbed for my drivers license, credit cards, debit card, and cell phone on XX/XX/2023 XXXX
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This company is disrespectful when talking to them. They don't want to hear my reasons. I told them that XXXX violated the SCRA while I was XXXX and the collection agency Jefferson capital system won't listen to me. They keep hanging up as soon I mention XXXX. Spoke to them multiple time and they just giving me an attitude.The amount is not right too. XXXX didn't not suspend my account event when I told them that I'm deploying. So both company will not work with me.
Company Response:
State: AK
Zip: 99507
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this is my complaint case number XXXX file on XX/XX/XXXX and jefferson capital system llc failed to provide what was requested. that wrote the cfpb back stated they send me a copy it was a lie and i can prove it i need a bona fide copy of our contract between me and jefferson capital statedthat i authorix=zed them to have my information and collect and debt
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX, asking for verification and validation on this collection account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2023 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/2023. The original creditor for this account is listed as XXXX XXXX XXXX. Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt. I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation. 2. Documentation proving that you are legally authorized to collect this debt. 3. Verification of the original creditor, XXXX XXXX XXXX. I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution. In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe. Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report. Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response. Sincerely, XXXX XXXX
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX, asking for verification and validation on this collection account.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original debt was with XXXX, I was paying them and they sent my account to XXXX. I didn't trust that XXXX was authorized to collect money for XXXX so I kept sending money to XXXX at the end of XXXX, beginning of XXXX and then COVID issues. Almost the entire amount XXXX billed me for were turn off fees for XXXX devices, which first of all should have been illegal. I paid off several of those devices. XXXX issue, I finally arranged to make payment of the debt with XXXX in XX/XX/XXXX. I agreed to 5 electronic pre-authorized payments of XXXX. They took the first payment and were supposed to email me a contract, they never did. They were supposed to mail it in the regular mail, I don't remember getting it and have not found one. I asked them this year to resend it and they said they would and I did not get it. Back to the payments : They took {$180.00} out of my PNC Bank account ending in XXXX on XX/XX/XXXX, the second payment was {$180.00} on XX/XX/XXXX, the third payment of {$180.00} was taken out on XX/XX/XXXX. I have an attached statement showing that the last XXXX payments were to be taken out on XX/XX/XXXX which they did, and then on XX/XX/XXXX and XX/XX/XXXX. The payments for XX/XX/XXXX and XX/XX/XXXX were never attempted or processed. I did not realize this until I was checking in XXXX to make sure that they closed the account and showed it as paid. That's when I discovered that they never took the payments out. When I talked to the lady originally, I specifically chose dates that were after my pay date to make sure the funds would be there. When I called to find out WHY the pre-authorized payments were not taken out, I was told that there wasn't enough money in the account. That is false. I have never heard of a payment not being taken out or retried and if that is the case why didn't they notify me so I could check on it or pay it directly, they didn't do any of that. In fact you can see that my account has overdraft protection and I was charged an overdraft charge at one point during the year and then they refunded the charge. So for some reason XXXX did not take the funds out of my account to satisfy the 'contract ' that they never sent me so that I didn't know what to do to complain. I called several times, requested paperwork, etc. They were very mean and said there was nothing I could do. How could I prove that they were supposed to take the money and didn't? I was having trouble downloading their messages from their encrypted emails so I don't even have some of the communication. I got smart at one point and figured to screenshot a email and the 'bill ' so I do have a few of those but any other communications I could get into because I didn't know the password. I couldn't find any of those emails at first and was unable to get any copy 's of the info and then I finally found some. I believe they didn't want to satisfy my account and must have gotten more money from XXXX for not collecting the entire amount and instead ruining my credit. If you look at my credit all my other accounts are in excellent repayment status. I have found a few statement from XXXX but they have a crypted email and some of the emails link to an encryption which you need a code to get to see any of the info. I was able to successfully get some of the info and even screen shot a chat. I can upload all of that information. XXXX in the first place turned off my XXXX lines after I complained that their sales rep gave me a phone that I ended up getting 2 lines and one phone. I complained because they were charging me for 2 lines ( in XXXX or XX/XX/XXXX ) and they wouldn't fix it. I had to pay an extra {$75.00} for nothing, then they turned off my other 5 accounts and charged me turn off fees for EACH line! they caused me to have my business number turned off and it affected my business, I was angry but made payment arrangements. in XXXX I missed a scheduled payment and they turned my account over to their company XXXX. I was a XXXX customer for over 20 years!!! but I felt they were abusing me because they kept turning off my phones and charging turn off fees so that I couldn't pay the extremely expensive bill and as soon as I got caught up ( and these bills were sometimes $ XXXX a month-like in XX/XX/XXXX ) they would turn it off again within a week or two! I feel those were extreme costs and I had been complaining for months. My normal bill was around {$200.00} and they would turn off my lines, I would pay and they would turn them off again in a week or two!!!! I lost my number because of their fraudulent fees and practices. AND now their company screwed me over by not taking out the preauthorized payments so my account could be settled and then they turned it over to Jefferson Capital to collect more money from me and ruin my credit. You can see this is the ONLY collections account on my record. AND I tried to settle it. What am I supposed to do when the collections company doesn't take the agreed upon money?? It's very difficult to find where to even complain about this stuff.
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I pulled my credit reports recently. I found that XXXX XXXX was listing a collection for {$1400.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed.
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A