Date Received: 2023-05-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX sent me a bill for over XXXX XXXX I have never had a XXXX dollar cell phone bill this can not be accurate I have not received any breakdown of a bill and this is not possible this amount is inaccurate and fraudulent. This is not my bill i had those services back in XXXX over 7 years ago.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My deceased ex boyfriend opened a XXXX account in my name in XXXX TN in XXXX I had no knowledge of this account till XXXX. I talked to XXXX and they cleaned the account on their end but Jefferson capital is still trying to collect on this account and the lady I talked to was very rude and told me its my own fault I didnt call the cops or pay my bills. I cant and wont pay a bill I dont owe. The account was opened Fraudulently and I shouldnt be held responsible for it, also there is no way to charge the other person for this debt they are deceased.
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a notification by XXXX that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from XXXX. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 1 ) XXXX {$340.00} 2 ) XXXX {$260.00} 3 ) XXXX {$100.00} 4 ) XXXX {$220.00} THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT BACK IN XXXX AND IDENTITY REPORT WAS SUBMITTED. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Acct Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # {$670.00} Date Opened XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After clearing some debt on my credit report a random debt from " XXXX XXXX XXXX '' shows up from Jefferson Capital System which does not belong to me. I contacted them and they can not give me any useful information on this account. This needs to be removed and Jefferson needs to stop harassing me on false accounts. This is not the first time and at this point I feel like i am being scammed.
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have no knowledge of this debt. It reported on my credit without receiving a notice that this would report to my credit, along with other violations which includes a collection account with NO delinquency date connected to the original charge-off, I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies .Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel, will go through the process of medication, and I plan to seek {$1000.00} for damages and each violation.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had paid debt collection XXXX on XX/XX/2023 amount {$110.00}. XXXX sold info to collection agency Jefferson Capital System XXXX XXXX XXXX. XXXX XXXX, mn XXXX. Contacted Jefferson several times number XXXX that needed letter sent me debt collection and that already paid debt XXXX Jefferson agency stated that never received payment XXXX XX/XX/2023. Due have reference from XXXX XXXX # XXXX. Also requested debt letter company stating payment owed never received one. Due that collection already paid XXXX XX/XX/2023.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company agreed to settle debt once paid Im full. The original creditor is XXXX. The account was paid in full months ago.
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX XXXX auto sales in XXXX XXXX XXXX. on or about XX/XX/XXXX the XXXX XXXX fusion was repossessed by XXXX XXXX XXXX and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. on or about XX/XX/XXXX, XXXX Jefferson Capital Systems bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least XXXX points when no debt is even owed. ( a total of XXXX times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. then on XX/XX/XXXX, Jefferson Capital Systems filed suit against me and my domestic partner in the XXXX XXXX XXXX XXXX in XXXX XXXX Iowa. after answering this suit and my XXXX partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite . it was during this time I contacted ACA and was informed that the debt was discharged and a 1099c was filed. a simple phone call. I promptly filed a motion to dismiss as no debt was owed hearing was granted after Jefferson capital systems were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.
Company Response:
State: IA
Zip: 50208
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a notification on XX/XX/XXXX that Jefferson Capital System had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of XXXX XXXX and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with Jefferson Capital System or XXXX XXXX. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact Jefferson Capital System but was not successful in getting any additional information and Jefferson Capital System refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a Jefferson representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that Jefferson Capital remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A