Date Received: 2024-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was paid to XXXX and bank statements reflecting payment of the debt was provided to XXXX XXXX. Bills equaling amount owed lined up with dates and money was taken from my account by XXXX. This was part of the reason we left XXXX. Then The collection just keeps getting sold and Jefferson is now acting like it is a new debt. How long will XXXX 's mistake pursue us? Now the transaction was so long ago that I will have to have my bank pull the transaction history because it is no longer available online.
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2024-01-16
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 was result of identity theft
Consumer Complaint: XX/XX/XXXX I received a letter in the mail ( albeit to an address I have not resided at in over 10 years ) from Jefferson Capital Systems for a debt that was a result of identity theft. They claim I owe {$5700.00} for an account at XXXX that was fraudulently opened in my name after my phone and wallet were stollen in XX/XX/XXXX. After many attempts at disputing the debt directly with XXXX, in additional to formal police reports and Federal Trade Commission reports filed, I am still being chased down for a debt that is 6 years old. I called Jefferson Capital Systems on XX/XX/XXXX to dispute the debt. I received a one-page fraud form in the mail from them on XX/XX/XXXX in which I filled it out and mailed it back. Attached you will find my formal police report of the crime committed against me, in addition to the collections notice from Jefferson Capital Systems and the fraud form I filled out and sent back to them. If any additional documentation is needed, I ask you let me know so I can provide it to you.
Company Response:
State: CA
Zip: XXXXX
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 is not yours
Consumer Complaint: Jefferson Capital Systems is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Jefferson Capital Systems does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL has contacted me through mail stating that I owe JEFFERSON CAPITAL. I have never done business with JEFFERSON CAPITAL nor signed any contracts obligating me to do business with JEFFERSON CAPITAL.
Company Response:
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a collection on my credit that does not belong to me and It would like remember immediately
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2024-01-16
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: This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: As a consumer I have been violated and harassed numerous times from debt collectors with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt collectors attempting to collect debt and harassing me with multiple email and threats of being sued, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { XXXX XXXX Put name of collections company here } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Please Remove Immediately!!
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX Pursuant to 18 USC I owe no debt. This company is violating my right to privacy according to 15 USC 1681 b 2. This company also doesnt have permission to publish anything.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no contracts with this company, they claimed to have purchased a debt that I never owed in the first place. ( 2 of them that are separate amounts on random dates/years ) Ive also contacted them and asked for proof that I owed the debt and they were unable to provide any proof of a purchase agreement. This collection is FALSE an a common scam!!! ( please XXXX fraudulent XXXX collections ). They also keep RE-AGING the status of the collection, its been 4+ years of me trying to remove a collection that isn't mine and it always looks 'new ' because they constantly report it as such. I do not owe this money and ive given up at this point with what to do.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A