Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I Never did business with the creditor XXXX. Jefferson capital system is refusing to conduct a debt validation pursuant to the Fair Debt Collection Practice Act.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from XXXX. They took it upon themselves to add this on my credit report in XXXX re-aging the debt to XXXX. How can any of this be possible? They are ruining my credit. Notice the dates on the letters I uploaded. Which are XXXX. I do not know who these people are. They did NOT attempt to contact me until a week ago yet they out this on my credit report today and the date on my credit report states XXXX
Company Response:
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2023-05-16
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 is not yours
Consumer Complaint: XX/XX/XXXX : My Identity Theft Protection service alerted me to fraudulent activity on my account. I was told to contact XXXX XXXX XXXX XXXX. Discovered that my identity was fraudulently used to set up an account to purchase 3 devices and 4 lines of service. The charges amounted to {$2500.00}. Account # XXXX. XX/XX/XXXX : I completed and submitted an Affidavit of Fraud to XXXX XXXX XXXX XXXX via email, Reference # XXXX. XX/XX/XXXX : Received email from XXXX XXXX XXXX XXXX that my claim was investigated and determined that I was NOT responsible for any charges to that account. XXXX stated that they would submit request to the 3 major credit reporting agencies to remove me from any reporting on the account. Copy of the XXXX letter is attached. XX/XX/XXXX : Received Alert Notices from my Identity Theft Protection Service with negative activity on my report. I called my XXXX XXXX XXXX, and discovered that there now is a debt collection agency ( Jefferson Capital System ) attempting to collect on the fraudulent XXXX account balance of {$2500.00}.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received an alert from credit reporting agency apparently this company by the name of Jefferson Capital System reported information to my credit report without notifying me to give me a chance to dispute this debt, that is a violation of my rights as a consumer you just can't report something on a credit report without first notifying the consumer and validating this said debt. I want this removed from all credit reports ASAP.
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Back in XXXX, I entered an agreement with Jefferson 's to pay off a charge for a settled amount. The agreement was binding, and I paid my portion of the agreed-upon debt. However, as of yesterday, they added to my credit report an amount that was still owed. This search is a breach of contract, and as an attorney, I will pursue this as a breach of contract claim.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Jefferson Capital appeared as on my reports today. XXXX XXXX was reported back in 2021 as a Fraud account and removed from my credit reports. Today Jefferson Capital placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in 2021. Jefferson Capital has 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. It is a Violation of Fair Debt collection practice act to collect on a debt that has been previously reported as fraudulent.
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital has placed this account on my credit file for no reason. I dont have any dealing with this company. I will be filing a lawsuit against this fraudulent company and having them investigated. I never received any type of communication and they just placed this account on my credit file. I am requesting proof of ownership of this account within 10 days and if this account is not remove I will file a lawsuit. My demand is to have this account removed immediately.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calling me repeatedly and pretending to be someone else..
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Jefferson Capital Systems has added a collection account to my credit report without sending a dunning letter. They also did not give me the right to dispute this debt BEFORE placing this account on my report. They are in violation of The Fair Debt Collection Practices Act and this account need to be removed IMMEDIATELY. I will also be filing a complaint with The Federal Trade Commission and the XXXX XXXX XXXX Until I get a letter giving me the right to dispute, you can not report this debt.
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In a previous complaint with the CFPB Jefferson Capital agreed to close 2 collection files and inform each credit bureau to remove the 2 collection accounts from my personal credit reports. The accounts have been removed from XXXX and XXXX however they still remain on my XXXX credit report and have just been verified instead of removed. This is a direct violation of the resolution of the previous complaint. I am asking again that the items be removed as soon as possible.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A