Date Received: 2023-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS XXXX INC. WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. ALSO STATED : Account/Reference No. : XXXX, SELLER : XXXX XXXX. You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt. I have no tacit agreement nor any privity of contract with you and/or THE ABOVE MENTIONED FIRM. JEFFERSON CAPITAL SYSTEMS , INC. IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE OF ANY CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX INC. 'S CLAIM IS UNSUPPORTED BY AFFIDAVITS AND DEPOSITIONS AND IS INCOMPLETE. THE CLAIM IS HERESAY. JEFFERSON CAPITAL SYSTEMS , INC. ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. FURTHER STATED : JEFFERSON CAPITAL SYSTEMS , INC. IS ATTEMPTING TO FURNISH THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, RESULTING IN DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ]. ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), JEFFERSON CAPITAL SYSTEMS , INC. HAS BEEN SUED NUMEROUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). THERE IS NO PROOF TO THE CONTRARY.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XX/XX/2023 Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Jefferson Capital System , regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ). Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : Zero out the balance of this account. Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was zeroed out via email. Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Jefferson Capital System. Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. Sincerely, XXXX XXXX XXXX XXXX and Consumer
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Jefferson Capital placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However Jefferson Capital took it among themselves to feel as is they could just place inaccurate accounts on my report. According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. XXXX allowed Jefferson Capital access to my consumer report without my permission, Jefferson Capital had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, Jefferson Capital could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. Jefferson Capital still has not responded to the last Complaint. With that being said I'm requesting that the documents Jefferson Capital presented to XXXX be mailed to me along with information XXXX gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: All of a sudden, I saw this debt collection on my credit report. I never heard from them, never got a letter... nothing. Then it just shows up on my credit report. My credit has been pristine, and now this happened and has crushed my credit report. I don't know where this debt came from.
Company Response:
State: WI
Zip: 53095
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I spoke with Jefferson Capital Systems LLC today XX/XX/XXXX at XXXX XXXX and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " XXXX XXXX '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I didn't feel like I should pay the debt since it not my debt
Company Response:
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I was notified by Jefferson collections that they bought out a debt from XXXX tht they say belong to me.XXXX dollars I know nothing of this. Iadked them to send me some type of paper work showing what I aquired from XXXX andwss told if I didn't pay I would be sued..I 'm not a XXXX fan at all.thiet send me emails. I asked over and over if you bought my debt from XXXX then u should also have paperwork showing what I owe for the money your asking.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was notified today via XXXX that a new collection had been added to my XXXX report from Jefferson Capital. I have been disputing this account with the all three bureaus since XXXX of XXXX with the original creditor on my report XXXX I have sent a reinvestigation letter and method of verification letter to all three bureaus to verify this account only for this collection company to be added in XXXX. I had no knowledge of the debt being sold nor any communication from Jefferson Capital about the debt being sold. I do not recognize how and why this account is now reporting on my credit.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: About a week ago I checked my credit report and noticed a new account in collections. I immediately called the debt collection agency and found out the origin of this debt. The debt was several years old and had been on an automatic payment plan ( the original payment plan was set up through XXXX ) It was my understanding that the automatic payments continued until the full amount was paid off. The bank card that the payments out of was my at the time boyfriend 's, and we split up, so I did not know the payments had stopped. I never received any notice about this debt or I would have taken care of it immediately. As soon as I saw this on my credit report I called the company and paid the amount in full. My concern is that this will still have a negative impact on my credit score and I have been working very diligently on improving my score, so for a new collection to be added for a debt that I didn't know existed is very frustrating. Thank you for your time. Respectfully, XXXX XXXX
Company Response:
State: MO
Zip: 64152
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A