Date Received: 2023-03-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Asked company to send actual contract that was purchased from XXXX XXXX and they couldnt provide the contract nor accurate amount that was owed
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Receiving multiple letters and Phone calls from Jefferson Capital Systems LLC ( Address : XXXX XXXX XXXX XXXX, NC XXXX ) Saying we owe a debt in the hundreds for which we are not familiar with the vendor and that they could take legal action or sue. We were hit with anxiety and panic and XXXX searched the company turns out 80 % of web pages brought up are warnings that this is a scam. We are on top of our finances at the moment and want to stopped being harassed with a hoax company and false information threatening legal action.
Company Response:
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive been contacted by Jefferson Capital System. Ive also explained and also disputed it on my credit report that the account was fraudulent and I had no knowledge of it and asked it be removed It was still not removed and I was also told that it wouldnt be. Im asking that this be removed from my credit report please
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: about 2017 I lost my wallet so I canceled and I really order a new license in the process. I called the credit and I put a freight in there right now. There is items that are down XXXX. I am tired of telling them over and over that XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX address in XXXX where fraud I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Theyre injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Their injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a XXXX XXXX since 2017 why they still allowing people to touch my stuff.
Company Response:
State: MA
Zip: 01013
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Accounts were disputed and not removed from credit report. Said companies continue to harass and contact me about a debt owed
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The accounts listed are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is not mine and I continue to get harassed and threatened. Result of identity theft.
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I just looked over my credit report and notice an account from you showing. I refuse to pay this debt or any other that you are showing for me. Please don't not contact me any further.
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC, for committing identity theft. I have never given Jefferson Capital Systems , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Jefferson Capital Systems , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems , LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from Jefferson Capital Systems , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Jefferson Capital continues to report an account on my credit report that doesn't belong to me. I have disputed this debt several times through the credit bureaus but the account info keeps coming back and reported as accurate. In addition I have been harassed bullied and sued by Jefferson Capital about this debt. I was sued 2 times and won the case each time. It was proven in court on XX/XX/XXXX and again on XX/XX/XXXX that I do not owe this debt and the case was dismissed with prejudice by the court. As of XXXX XX/XX/XXXX this account is continuing to be reported on my credit report. This account needs to be removed from all 3 credit reports because it has been proven in the court of law that the debt doesn't belong to me. I will like this debt removed from my credit report.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A