JTM Capital Management, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/18/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 93307	Web
On XX/XX/2021 my mother called me stating that she was being harassed by a company named JTM Capital Management LLC, looking for me. I got the phone call from my mother at XXXX, Pacific time. I currently live in California. My mother was hysterical, disclosing that the company was calling, threatening to serve me a civil lawsuit at my job. The number she gave me to call them back was a XXXX number, which of course, is no longer in service now. I returned the call because I was scared that this company was really going to take legal action against me. When I called them, a representative answered the phone and mentioned that I had a debt owed from XXXX XXXX. The representative informed me that if I did not pay, I would be taken to court as a result. I informed her that I had not received any notice in the mail about this debt. However, she insisted that they had sent me a few notices. Anyways, the representative passed me onto another representative who claimed the same thing, that I needed to pay or be sued. Even more so, he had all of my personal information as he verified it all to make a point that the debt " supposedly was still being pursued ''. Now, I usually can detect a scam. But being in the midst of the pandemic and having new debt, I was so bogged down with a lot of personal matters. I was caught off guard. I thought it was for real. To confirm, I also believed this was real because I did once have an account through XXXX XXXX. I had a XXXX XXXX XXXX with them way a few years prior. So, I couldn't recall paying the company back then. I am guessing these scammers managed to go through public records, or something, to get my old account information and use that as means to pose as a real debt collector. However, the guy representative then claimed that my debt was in mediation and that if I paid {$1100.00} they would not come after me. I told him that I did not have that kind of money. So, then he suggested I settle for {$520.00}. Part of me was skeptical, but my back was against the wall. I then arranged to settle, thinking I really owed this debt. So, he took my debit card information that I provided him over the phone. The payment was made and I still felt as though something was not quite right. Even worse, I took the last bit of money out of my savings to make the payment. I was banking with XXXX XXXX at the time and the payment came out immediately. When I checked my transactions, the payment was under the category XXXXHome Insurance '. Also, XXXX 's name was titled XXXX XXXX XXXX under my bank transactions. Nothing was adding up. Later that day, I received an email from a XXXX XXXX of a credit authorization form to sign. I was directed to DocuSign to sign the form. The name of this company on the receipt was a XXXX XXXX XXXX. I was even more confused because on the form, the address stated that they were based in XXXX, IL. All I could think was maybe it was some kind of debt collection ring. I was perplexed in that moment. It didn't stop there though. A few days later, I contacted XXXX XXXX. I managed to get a hold of a representative there and they mentioned that I did once have a a debt on the account, but that the debt was purchased by XXXX XXXX XXXX. Having that information, I then called XXXX XXXX XXXX a few weeks later, but could not get in touch with anyone that day. So I left a voicemail -- desperate to find out what was really going on. Some days later, XXXX XXXX XXXX returned my call. A voicemail left by a XXXX XXXX, asking to call him back, which I did. We spoke and he informed me email a XXXX to have her send me a letter about the account for update. He provided me with XXXX XXXX XXXX email. On XX/XX/2021, XXXX wrote back, with a letter attached via email, stating that the debt was paid and account closed two years prior. However, the letter sent via email looked very suspicious. From address to phone number to fax number -- -it just looked sketchy. For months now, I have been desperately working to get a refund. I submitted a claim to the FTC. I just really want my money back. I would prefer it in the form of direct deposit to my new bank account if and when this issue is resolved.
06/02/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30260	Web
On Thursday, X/X/17, I received a call from an unknown number with a male stating he was on the way to deliver legal documents to my home. I asked him who he was and who is the company that I owe. The male stated he did not have that information and that the only number he was given was a case number XXXX and phone number XXXX and that I needed to call them as soon as possible to resolve it. Once I called the number a woman answered the phone and I explained to her that I was not aware of any debt collection agency sending out court documents to sue me and that I have not received any documentation in mail and that I need something in mail or I wo n't be paying anything. The woman started to get very defensive and rude and stated she 's trying to help me and she would be transferring me to her manager which is the director. Once I spoke with the supposedly manager, he started to tell me that the company is assigned to my jurisdiction, he also said he will notify the county clerk 's office if I cooperate voluntarily. I proceeded to ask him the name of the company and to send me a validation letter in mail but the male refused to send it. Instead, he stated he could send me an email and that the previous representative will be providing me with the information. I told the manager that I will not pay anything until you can provide legitimate proper documentation of my debt with you and that I needed the name of the company. At this point, the " manager '' asked if he could place me on hold and never returned to the phone after I waited 10 mins I hung up. After an hour passed I checked my email looking for the documentation the manager stated he would email me, but never received it. I called the number back to get the name of the company which is called XXXX XXXX XXXX then I hung up. I contacted the total XXXX credit card which is the company that I owe and they were not familiar with the company and they told me that they no longer have the account and that Jtm Capital Management has the account. Once the representative provided me with the number for JTM Capital Management which is XXXX XXXX XXXX XXXX a representative then asks me for my social and date of birth and then tells me that the company has a partner company who is actually handling it called XXXX XXXX XXXX XXXX XXXX XXXX. Once the representative tells me this I am very frustrated and leery at this point because no one is able to provide sufficient documentation. I ended up contacting the number and a male answers and I explain to him what is going on and that I need to find out who has taken over the account and request a letter in mail stating I owe the debt so that I can resolve it. The representative stated that the department that I have contacted can not send out any letters because it has already been sent out to the address they have on file. Finally, I explain that I have not received any debt collection letters from them and that I needed to find out who has the account so I can take care of it. The male then states that he has numbers I can call who " might '' have the account but if I want to just take care of it I can pay with him. Once the representative suggest I pay him I ask him for a letter in mail and for the numbers he was going to provide to me, but the representative becomes rude and defensive and states if I 'm going to talk to him like a child he 's going to disconnect the call and that he 's trying to help me and then he disconnects the call. I tried contacting both numbers back but instead receive a voicemail. I was only able to reach the first number out of the three numbers I was provided and I told them not to contact me again and what they are doing is against the law. The lady who answered laughed and said " that 's not how that works '' and that will be summoned to court then hangs up. I am very disgusted and upset that these sick people would try to extort money from me by using scare tactics as far as threatening to sue me. I am ill at the moment and on XXXX XXXX XXXX and I do n't appreciate this and I plan on taking the next steps to insure that the proper actions are taken against these sick individuals.
08/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19709	Web
I had received a copy of my credit report to find a collection that I had never seen before. I got the address, the account number and the amount off my credit report. I attempted to send the company a letter to validate this alleged account and amount, as I certified the letter and sent it, it was sent back saying there was an invalid address. After several of weeks not thinking about it I get a call from someone I know and they sent me a voice mail that the company had called and left them stating my name and a proceeding that was going to take action in the county I live and it stated that in the county I live. After 5 times of them calling this person, the person I know finally got a hold of me and sent me the voice mail. I called the person that left the voicemail back and asked them who this company was and only told me XXXX and they were trying to get me to pay something from XXXX. I asked to speak to a supervisor because this account was bogus, the guy ( XXXX XXXX XXXX said okay that's fine I know what I am going to do with this matter anyways because I refused to talk to him and transferred me to XXXX, She got on the phone and I kept asking what this was about she talked down to me and after having to raise my voice because she wouldn't give me the information I needed she said I don't have to listen to this and hung up. I called back again XXXX transferred me and I got XXXX again she hung up on me again! I called XXXX 's line about 3 times he never picked up so I called on a blocked number and he picked up and transferred me to XXXX again, I asked to speak to her supervisor and she said no you can deal with me, I repeated it and she said the same thing then I asked her what the address of the company was she wouldn't tell me I asked 6 times. She said I would know because of the letters they sent I said I wouldn't be asking if I got them which I never did receive anything. She kept talking over me and wouldn't let me say a word I told her I want her name and employee id number she just said her name is XXXX wouldn't give me her employee id number or let me talk to anyone else and then I asked to send validation with a signature that this is mine which is required under the FDCPA if requested for a dispute and she said oh I will send validation with the person when we see you in court and she said she is going to forward this to the county I live in now and I told her its not mine and I said okay take me to court since your threatening it. After that I found the XXXX website and number and called them and they said the alleged account number they left on the voicemail was not valid and they do not have a XXXX who is a supervisor nor a XXXX XXXX who works for them, she asked for the telephone number and was going to report it to their legal team for using the XXXX name and they are not associated with it. After I got off phone I went onto my credit file found the original lender I called them and they said they sold the account to XXXX XXXX XXXX XXXX which was who I tried to send the letter to months earlier that got sent back. I asked her if they have any association with XXXX and she said no XXXX XXXX XXXX XXXX is who has the account now. So she gave me another address that is not being reported on my credit file and I sent them a certified letter over night to them. No one is showing me validation of evidence bearing my signature or that I have some legally binding contract with my signature on it to pay them this alleged amount which is {$2200.00}. I have not received any letters from anyone about this, they had refused to give me their address and threatened to take me to court after I asked for validation. I called back a few more times and every time it went to a voice mail and I called back one more time on a blocked number he told me to hold on and as soon as he did that he hung up on me yet again.
10/05/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 365XX	Web
On XX/XX/XXXX at XXXX XXXX a voicemail message was received from a man named XXXX stating he was a private courier commissioned in the State of Alabama was calling to notify us of sealed legal documents he needed to deliver to us. He said the documents required my husbands signature in order for him to release them he said " so I'm headed to your address in XXXX County shortly and when he arrived my husband needed to be available with a state issued ID in order to sign for the documents he said if we were not there he would then go to my husbands place of employment. He said if we had any questions or if we would prefer to schedule a time and a place that my husband could be to meet him to contact the filing party at ( XXXX ) XXXX-XXXX and mention case # XXXX. I called the number back and a man named XXXX answered the phone. The company name he gave was XXXX XXXX. He said this was concerning a loan my husband made online and they were now suing us. I asked him to provide me with the circuit court case number in my county, as well as the attorney representing XXXX XXXX ( the lender ) and he said he didn't have it. That he will get my information to his " client '' and I will be hearing from them. He mentioned the client name was JTM Capital Management on behalf of XXXX XXXX. I hung up the phone with him and began doing research. There is not a lawsuit filed under XXXX XXXX, JTM Capital Management, or XXXX XXXX against myself or my husband. The county requires process servers to have license numbers which " XXXX '' nor " XXXX '' provided in any communications, and the company XXXX XXXX is located in New York, and is a collection agency which states this is an attempt to collect a debt on their website. I called " XXXX '' back on the number " XXXX '' left on the voicemail and he yet again had no answers for me. Nor would he provide me any contact information to his " clients '' he was fairly rude when I informed him of what I had found out about the company he works for and started raising his voice which made me feel uncomfortable so I ended the phone call by hanging up. This company is attempting to inflict fear upon consumers at any length in order for them to make their commission for the month in their call center. The background noise of both the voicemail from " XXXX '' and " XXXX '' were very similar of other men leaving the same messages for other people. It really was not difficult to discover what this company was attempting to do, as well as discover that their collection practices are illegal. The address to XXXX XXXX is XXXX XXXX XXXX, NY. XXXX. It is very frightening to have strangers with no legal ground threatening to come to my home. I have the voice mail " XXXX '' left saved on my phone and will be more than happy to play it, as he is stating he is commissioned in the state of Alabama which would require him to provide me with information proving that as true
06/13/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77044	Web
XX/XX/XXXX : My father received a call from a XXXX XXXX stating I needed to call her by the end of business, that it was urgent, urgent, urgent! She left a phone and case number. XX/XX/XXXX : I called XXXX XXXX, she informed me that she needed to get some legal documents to me and asked me if i still lived at a previous address. When i said that i didnt live there she advised me to call XXXX and give them the case number. She stated she will hold off on delivery since i wasnt aware of the documents. I called and spoke to a XXXX XXXX ( XXXX XXXX ) who informed me this was an attempt to collect a debt from XX/XX/XXXX for a mattress ( {$2700.00} ) I purchased and didn't finish paying. His tone was very forceful and after some going back and forth i agreed to a payment plan for the balance of {$930.00}. I gave my credit card info to process the down payment of {$39.00} on XX/XX/XXXX, which was drafted. At that time I thought a recurring auto draft for biweekly payments of {$39.00} was set up. After the payment was processed, the call was ended. I called back to obtain a letter or anything with the agreement as well as to thank him for his patience and working with me and he said he would send an e-mail. E-mail was sent and received. The next payment was due XX/XX/XXXX, but did not draft from my account. I intended to call them to find out why the payment wasn't taken out. XX/XX/XXXX : My coworker rcvd a call from XXXX XXXX. When I got on the phone he said he was calling regarding the arrangements i had with his office, i immediately recognized his voice and asked if i could call him on my personal cell phone. He provided the XXXX number and i called about 15 minutes later, nobody answered the phone. I called several more times, got a voicemail once and left my information for a call back. ( Mind you this was not XXXX XXXX 's voicemail ) I called twice more and on one occasion it went directly to hold music. After holding for several min. someone picked the line and hung up. I called back and the same thing happened. After that i began to be suspicious and researched " XXXX XXXX '' and JTM Capital Management , LLC. After finding many complaints about this company, I feel like i have been scammed. The debt is very old and may have already come off my credit report so I don't think I need to pay these people. XX/XX/XXXX XXXX - Called the number again and a XXXX XXXX answered. I only wanted to find out if XXXX XXXX would answer. After printing the letter that was e-mailed to me, it has my old address, which most creditors would have asked for the correct updated information. The letter does not even look official, fonts are different as well as some basic punctuation missing.
11/12/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 700XX	Web
On XX/XX/2018, XXXX XXXX XXXX ( XXXX ) contacted my daughter and left a very detailed message regarding someone serving a summons on me between the hours of 3-5 regarding a suit that has been filed against me. My daughter has no affiliation or knowledge of any debt that belongs to me. My daughter was frightened that I was going to be arrested. I call these people back and spoke to a Ms. XXXX. She advised that someone would be serving a summons and documents upon me either at my home or employment and that I would need to have my Human Resource manager present while this supposed service was taking place. She continued to threaten me that a court date was imminent and fees would be compiled on top of the initial debt. As I pressed her for more information, such as when and where was the suit filed and what documents was this person serving she hung up on me. Supposedly this conversation was recorded. If it was not recorded or if the recording was not retained, I do still have the voicemail message that was left on my daughter 's cell phone. I called back again, because I wanted to get this debt resolved. I spoke to a man named XXXX XXXX. He also insisted that someone was going to be serving a summons and documents on me. I advised that I did not see any lawsuits filed against me ( I have access to the court website through my employer ) and he told me that the paperwork was being sent in immediately for the filing of the lawsuit or I could resolve the matter with him. I succumbed to his threatening and pressuring tactics and made arrangements to split the debt into two payments. On XX/XX/XXXX, I checked the website that was provided on the contract that was sent to me and I do not think that this company is a legitimate debt collection company. I again called XXXX XXXX and advised him that he needed to cancel the second payment and that I would be making a complaint against him, Ms. XXXX and XXXX XXXX XXXX. He then offered to completely wipe out the debt if I would not make the complaint. the account number provided to me is XXXX. The tactics used by this company are against the Fair Debt Collection Practices Act. Specifically, Section 807, 2.A, False representation of the legal status of the debt ( see above ) ; Section 807, paragraph 11 - I had not received any initial communication from this company regarding this debt ; Section 807, paragraph 13, advising that a process server was attempting to serve a summons on me ( which did not exist ). I have filed a complaint with my bank to try to have the initial payment retuned to me as I feel this company is completely fraudulent.
08/09/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 43209	Web
On XX/XX/2018, I received a letter from a debt collector XXXX XXXX claiming that a debt was owed by me to another debt collector JTM capital. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their response letter, XXXX clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, XXXX furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. XXXX XXXX are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to XXXX today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
02/01/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	UT 847XX	Web
" XXXX XXXX '' from XXXX XXXX XXXX left a voicemail on my phone on XX/XX/19 at XXXX XXXX MST stating, " Yes, Hi. This message is only intended for ( my name ) with the last 4 of your social on this docket here ( xxxx ). This is XXXX XXXX with XXXX XXXX XXXX XXXX. We had a court docket delivery, it was a failed attempt today at ( my address ). You obviously have got to reschedule the summons. Contact your petitioning party directly to do so. The phone provided is XXXX. I would advise you to review the charges and allegations prior to signing. ( my name ), you have been notified. '' I do have the voicemail from this company saved on my phone if you would like a copy. He then proceeded to call my husband and informed him that he ( XXXX ) had issued a warrant for my arrest and was having me arrested and jailed for 3-5 years for check fraud. He got upset when my husband questioned who he was, where he was calling from, and what he wanted and hung up on him. I called the number back left in my voicemail and spoke with a XXXX XXXX who gave me the runaround for a bit but finally gave me the correct info on who the debt was for and the amount. I made arrangements to pay with a credit card the next day. I spent over an hour calling the original company ( XXXX XXXX ), the company they sold it to ( JTM Capital Management, that doesn't do payment processing ), the company they outsourced the payment processing to ( XXXX XXXX XXXX, who then outsourced it to XXXX for payment collection ), and was eventually transferred back to XXXX again to make sure this was a legitimate company because they were so unprofessional on the phone. When I called back the next day, as soon as my payment processed, XXXX gave me a confirmation number. I got halfway through asking for a receipt, and he hung up on me. The document they sent to my email is very unprofessional, something anyone could create on a home PC, with the required legal jargon photocopied on it. I emailed back asking for an actual receipt and have received no response. I also spoke with a man named XXXX and a woman named XXXX from this same company. At no point did anyone with this company ever identify themselves as a debt collector or go through the required script for FDCPA. This company is extremely shady and should be shut down immediately. They also have not reported to the original company that they have received my payment ; the account is still showing as owed the full amount.
07/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	DE 19977	Web
I have contacted XXXX and XXXX XXXX XXXX XXXX several times requesting validation of the debt that they claim I owe. I sent letters via certified mail return receipt. They have not responded at all which is in violation of 15 USC 1692g ( a ) - Validation of Debts but continue to negatively impact my credit report. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT. the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Have any judgements been obtained by any creditor regarding this account? Please provide the name and address of the bonding agent for TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT, in case legal action becomes necessary. I have only received a letter from XXXX stating that the debt was transferred to JTM Capital Management. JTM Capital Management has not provided me with a notification of this debt which is also a violation of my rights as a consumer. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with JTM Capital Management that says I have agreed to pay them anything.
10/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AR 72209	Web
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX of Missouri XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to JTM Management, LLC on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to JTM Management on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to JTM Management on XX/XX/XXXX. I sent JTM Management a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is JTM Management LLC. I have enclosed a copy of the certified letter that was sent to JTM Management LLC on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now JTM Management. They received the letter on XX/XX/XXXX ... Well today is XXXX, XXXX XXXX and JTM Management has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... JTM Management needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. JTM had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
01/08/2022	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 19144	Web
Dear Representative, I am in a situation that is very complex. A creditor ( XXXX XXXX XXXX ) sold my debt off to a debt collector/agency who has never contacted me about it. I lost track of the debt, as I had moved several times and had a tough time with job loss and financial difficulty in XXXX. As a result of my effort to clean up my credit reports, I found out that the debt still exists and has been reported as " sold to another office/agency '', balance 'charged off '. There were never any attempts by the debt agency, JTM Capital Management LLC, to collect the balance they bought from XXXX XXXX XXXX. The debt amount was last reported as {$550.00}. I have yet to receive any sort of correspondence validating this. I have no way of getting in contact with this JTM Capital Management LLC. They have been flagged as having a history of too many complaints by the XXXX ( https : XXXX ) and none of their phone numbers given to me by XXXX XXXX XXXX are active : XXXX, XXXX. I've spent hours on the phone with XXXX XXXX XXXX, the original creditor to rectify the situation and I've asked them many times for help. The only response they give me is to contact the debt agency and let the credit reports know by submitting disputes. I've done all of this and noone is able to help me remove this debt from my report. I am willing to pay this debt but there's noone I can pay it to. I've submitted two disputes to XXXX. XXXX reached out to XXXX XXXX XXXX concerning the dispute and the bank keeps telling them the debt is legit, yet they have no way of getting me in touch with the Debt agency that has this debt!!! I am very disturbed and very concerned about the behavior and function of XXXX XXXX XXXX XXXX credit card department as well as XXXX 's inability to rectify or help with this situation. I have no other place to go and hope you can help me. All I am trying to do is get a hold of the JTM Capital Management LLC debt agency who has my XXXX XXXX XXXX debt so I can pay it off and remove it from my reports! I have also reported this as a complaint to the State of Missouri 's Attorney General 's office. This is where XXXX XXXX XXXXi is head quartered. See attached letters. Please please help me! XXXX XXXX
12/10/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75098	Web
Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. I called the office on Saturday morning they were closed but identified themselves as XXXX XXXX XXXX. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with XXXX XXXX XXXX certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.
02/20/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 23320	Web	Servicemember
I was contacted by a representative from XXXX XXXX and was informed that they were collecting a debt. First they called my work number, when I advised I could not receive calls at work, the representative advised me he would note that in my file, yet if they took legal action they would be able to call my place of employment. When speaking about re-payment options the representative then informed me that if I did not submit payment in the current month we were in that I would be sued and my wages garnished. The threat of legal action was used to harass me and threaten me into making a payment on there terms during the call. I have never received initial notification of this company taking over the collection of the amount owed for the account. I spoke to my wife, and she then called to speak to the account representative that had called me earlier, she asked the agent who contacted me if the account was in standard collection or legal collections. The representative adamantly confirmed that there were not any legal actions taken currently, even though he had just threatened to garnish my wages on the prior call. My wife asked if they had purchased the debt or if they were collecting on behalf of the original creditor, in which she was informed the company was collecting on behalf of the pay day loan company. My wife asked for validation of the debt to verify that they did have the right to collect the amount owed. Even though I do not deny that I owe this account, the representative did not advise myself or my wife of the legal disclosures that the calls were recorded and that they were a debt collector. This along with the abusive and harassing threats of legal actions to make me set a payment agreement that I was not comfortable to make nor could commit to paying without placing myself or my family in finiacial harm.
01/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48504	Web	Servicemember
Last year I received a letter in the mail for a settlement amount on a credit card I had and because of health my bills were sadly not taken care of while I was very sick so when I got the paper from them in the mail I was able to address the issue and went online and set up an account to have the money paid to them on the XXXX of the month for six month 's which was the length of time and payment of the one I chose. I did so and it was never reported on my credit report that I did so and when I called them and tried to have them fix the issue, I was told I could not be helped they no longer had the account, which no one should since I paid it off as I explained. The man I believe said his name was XXXX and asked for his name again after he said he could not help me. He then hung up on me and after seeing all the reviews online in regard to this company I am not sure how they are even allowed to be trusted with a person 's life. Our credit report is a relaxation of us as a person to most if not all credit dealings and companies being paid and not reporting it is so wrong as we are required to handle our credit and life in a lawful and honest way, they should be held to this if not more so. I have my bank statements showing all the money paid to them and found the last letter saying I had just 2 more payments till paid off and they never sent another or even a letter thanking me for doing what I said and they have another account of mine that after this experience has me so XXXX shy that I do not know how to handle it. If they read the reviews of the consumers who paid and they never updated their credit they would be ashamed of themselves and not sure how they get away with it, totally disgusted.
04/12/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	PA 19131	Web
At approximately XXXX I received a phone call from a number that I did not know while I was at work. When I got the chance to call back the number the recording stated the company name as XXXX. I further listened to the prompts and then a representative came online say that this was an attempt to collect a debt. I asked the person who said that his name was " XXXX '' to please send me everything in writing so that I could validate this debt. He then states that he can not do this because I had been contacted before by other collection agencies and had a breach of contract with them and that he was a mediator trying to settle the debt before taking this matter to court. I simply stated that I was at work and that I would have to give him a call back. Before I hung up the phone I asked what was the name of the company that he was calling from and he stated that he was calling from " XXXX ''. Once I got off of work I tried to do a business search of this company and found nothing. I did a reverse number search and nothing came up except stating thAt this company was a scam and listing all of the numbers associated with the number that had called me. I then proceeded to call back and spoke with a " XXXX '' no last name. He give me all the legal jumbo saying that we are on a recorded line. I once again asked for validation of the debt in writing and he said that he could only do it if I gave him my banking information and then he would send an email stating that the debt was paid. Once again I asked for validation of this debt to be sent to me and he said that he will note that I refusing to pay the debt and that they will send e my subpoena to show in court
10/05/2021	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32073	Web
On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to XXXX XXXX XXXX, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with XXXX XXXX XXXX he said it was for a loan in 2017. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that XXXX XXXX XXXX knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called XXXX XXXX XXXX and they said I owed a debt for {$250.00} not {$700.00} from 2017 and I asked if I could verify the loan but XXXX XXXX XXXX stated that I'd have to call jtm cap mgmt at XXXX. I XXXX that company and filed a XXXX complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.
12/21/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	NY 11214	Web
Back in XXXX I made an arrangement with the collection agency they offered me XXXX to pay in XXXX installments, I paid XXXX dollars and the remaining XXXX was supposed to be paid sometime in XXXX. I gave them my checking account information but when I was away on vacation my checking account was compromised so I closed the account, when I got back from vacation the collection agency called my job, I asked them to not call me at work, if they needed to get in touch with me they can write to me. I explained to them what happened and I also told them I could not pay the balance of XXXX they said they would contact the original creditor and see what they wanted to do. To this date as of XXXX XXXX, XXXX I have not received anything in the mail but I got a phone call again at my job, on XXXX XXXX, XXXX they did not provide me with their name only the company name they threatened to speak with my human resource department When I called back I spoke with a XXXX XXXX who is a supervisor at the company and I told her I was sending the company a cease and desist letter I also faxed a copy of the cease and desist letter to them and I also emailed the cease and desist letter I also told XXXX XXXX if they needed to get in touch with me to send me something in writing my mail and she said they dont do mail only by email, so she sent me a payment letter saying that I agreed to pay XXXX by XXXX XXXX, XXXX which I did not agree to. XXXX XXXX is also accusing me of giving her a fraud checking account information. Please see attached the letter they sent me for payment, the cease and desist letter along with the fax copy page
12/03/2018	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CA XXXXX	Web	Servicemember
On XX/XX/2018 - I received a robo call from the debt collection company identifying as XXXX although XXXX appears to have sold the debt to JTM Capital Management , LLC and would be handling the matter as of XX/XX/2018. XXXX claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said JTM was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from JTM indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up.
01/03/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WI 530XX	Web
On XX/XX/XXXX I took out a payday loan with XXXX, In XXXX of XXXX I was under the understanding the debt was paid in full. They continued to attempt payment so I stopped payment to XXXX XXXX. Sometime in XXXX I was contacted by XXXX XXXX for collection of my XXXX XXXX debit. I paid them monthly installments of {$75.00} until the debt was settled with XXXX XXXX. In XXXX of XXXX I was contacted by a no caller ID number ( along with my brother was contacted in regards to my personal matter ) stating they were making arrangements to visit my home for me to accept a certified court notice or I should call XXXX XXXX to obtain further information. To which I called and spoke with a XXXX XXXX who told me it was for an outstanding debt owed to XXXX. I sent my documentation and was told the case was closed and all records were to be removed from my credit report. XXXX of XXXX I was contacted again in the same manner, this time I was given information from XXXX XXXX XXXX working with a XXXX XXXX. Went through all the same steps and again was told case was closed. Yesterday I was contacted again by a no caller ID, certified court notice, and to contact XXXX XXXX to which they told me no payments have ever been made to XXXX XXXX and that my court date was set and that I would need to appear to dispute this matter. I have contacted XXXX XXXX to which they would not give me information as my file was sold to JTM Capital management. I believe this debt to be paid and settled and have attached my documentation of this matter
11/07/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MO 64030	Web
I started receiving calls on Monday, XX/XX/2018 from XXXX XXXX regarding a debt owed to XXXX XXXX. I spoke with XXXX XXXX and explained to him that I had a medical debt from a sick child that caused the account to become delinquent and my bank will no longer allow them to debit funds from my account because of overdrafts. He was very professional and empathetic. He offered me 24 payments of roughly $ XXXXmo or a settlement of {$2500.00}. We agreed that I would make 2 payments of {$1200.00}. The XXXX in XXXX and XXXX in XXXX, however I was out of town and would call him back this week to set up the payment. Today, I received 3 calls from XXXX within 5 minutes. The first @ XXXX XXXX, the second at XXXX XXXX, and the third at XXXX. I called back and was transferred to XXXX XXXX, who stated that he was the General Manager. I told him that I had already spoken with XXXX and was at work so I did not have time to speak. However, I did ask him to slow down so that I could take his information and call him back with the details because I was in the process of pulling the fund to make payment from my 401K to pay the settlement in full. He immediately started yelling that they did not have time to wait on me, either I was going to pay now or he was suing me for {$6000.00}. When I asked why the amount changed, he became very aggressive and continued to yell at me and used abusive language. I suspect this is the same person that has been calling family member although I requested that they not.
11/18/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 75068	Web
ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the 30days grace to acknowledge or dispute the debt. c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the call with them, dated XXXX XXXX specifying I have 30days to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and 30days response.
10/18/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32792	Web
I was contacted by Mrs. XXXX from offices of XXXX XXXX XXXX stating they work with JTM CAPITAL MANAGEMENT LLC based out of XXXX XXXX- I also looked up that company and they have lawsuits against them for trying to collect off of zombie debt- stating they were part of a prelegal division stating a " Representative '' placed my file in her office. Regarding a pending civil complaint for XXXX County. If I didn't call her back it would be marked as a direct refusal. Mrs. XXXX explained this is for a debt from a company called XXXX. I told her this debt is not on my credit report and I have not received a letter from this company. She went on to say they want to file a lawsuit, sue me and will put a lien against my vehicle ( even naming the company of where I have my auto loan ) over {$1800.00}?!? How can they do this? This debt is not on my credit report? As far as I'm concerned- Stale debt is not collectible. Can you please help? " Collectors must typically sue you before they can go after your property, including money in your bank accounts, or try to garnish your wages. But threatening to take such actions before they have sued you and won a judgment may be illegal. Even threatening to sue you to collect a debt may be illegal if the collector has no intention of doing so. ''
08/26/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48185	Web
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
07/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19061	Web
On XX/XX/2023 I send out a certified letter to validation this debt from Jtm management Its Now XX/XX/2023 its also past XXXX days. They did receive the letter on XX/XX/2023 and it was signed They never verified the debt. I will call the company and it keep going to company voicemail and left voicemails But Im being harsh with phone calls from this company. Everytime I dispute this account its always updated thats it verify. Will also attach the letter I sent to them to fill out to verify and also the certified receipt. This account was paid in full and I never had any late payments or negative history on this account. This account shouldnt have went to collection and it shouldnt be saying charge off. The resolution to the company is to : To remove this debt off my credit report With all three credit bureau XXXX, XXXX, XXXX For not verifying debt within 30 days and for harassing me. will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following.
03/27/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06108	Web
I have been disputing two credit card accounts with XXXX since XX/XX/XXXX and keep getting item was verified. On my credit report both accounts is listed as being sold to JTM Capital Management. I called several times never got an answer and also sent a debt validation letter certified mail return receipt on XXXX XXXX. I never received a response back from JTM Capital Management. On XX/XX/XXXX I called XXXX XXXX who is the issuer of the card and spoke with a rep name XXXX upon given him my social security number he said there was no account listed in their system with my name, address or social security number. On XX/XX/XXXX I reached out to XXXX again and made them aware only to be told that the account was investigated and the account has been verified. It seems unlikely that they were able to get a verified response when I have been calling for months and sent a validation letter and never received a response. Even when I called XXXX XXXX I was not in their system so how can these accounts be verified when XXXX supposedly reached out. I believe the credit bureau never verified anything and is refusing to remove unverified items off of my credit report.
10/09/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21207	Web
ON XX/XX/XXXX I SEND A LETTER TO XXXX XXXX XXXX. BXXXXx XXXX XXXX XXXX, SD XXXX XXXX MAIL. AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. I CALLED BACK ANOTHER TIME SAME DAY AT XXXXPM EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... I ASK HIM DID U GET THE LETTER I SEND OUT ONXX/XX/XXXX HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX XXXX XXXX. To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX XXXX XXXX.
03/15/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 194XX	Web
Hi, My debt was sold by XXXX XXXX XXXX , XXXX to JTM Capital Management , LLC. I managed to find their contact information through the XXXX ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about JTM Capital Management. XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. Please refer to this link to the XXXX regarding JTM https : XXXX # Alert If you're able to help shed light on this situation, I would greatly appreciate it.
12/01/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92507	Web
While looking over my credit report I have 3 collection accounts as follows XXXX. XXXX account number # XXXX XXXX. XXXX XXXX account number # XXXX XXXX. XXXX Credit account number # XXXX I contacted the first XXXX XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX because they are the ones who own all THREE of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to JTM Capital Management , LLC whom once again are not listed on my credit report. I called this company JTM and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.
03/01/2023	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92227	Web
On XX/XX/XXXX, I was served with a lawsuit from XXXX XXXX XXXX, for the amount of {$5900.00}, at my residence in California. XXXX purchased this defaulted loan on XX/XX/XXXX from XXXX XXXX. I believe this loan has been settled a few times by other companies that XXXX sold the account to third party. Coincidentally none of these companies sent me receipts for my records like they promised and I dont have the dates I paid them. I have never spoken to XXXX directly or received any paperwork or correspondence. There are no negative entries on any of my credit reports pertaining to this matter. I have carefully read the lawsuit that was filed by the Consumer Financial Protection Bureau vs XXXX and affiliates dated XX/XX/XXXX, case number XXXX which is currently pending. XXXX purchased my loan on XX/XX/XXXX from XXXX XXXX. Unfortunately it appears this company is using many of the same tactics to collect debts in past and seems like its back to Business as Usual I am requesting this unfounded corrupt and false lawsuit be dismissed and no longer pursue litigation against me.
01/06/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 554XX	Web
I have a consumer debt with XXXX XXXX card that was charged off and sold prior to me being able to pay off to JTM Capital Management LLC at that time it was reported to my credit as a negative item, I contacted JTM Management to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against JTM Management and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for JTM Management and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.
04/30/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 244XX	Web
JTM capital, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX with two men named XXXX XXXX and XXXX XXXX or XXXX. They have called threatening they have taken legal action ( which they have not ) three t Bening to.come to.my house, place of employment and garnish my.wages though no legal action has been taken. I volunteered to pay with written proof of debt and a secure payment option in which the lady in financial services began to threatened argue with Me if I did not give her my financial information. She then hung up on Me. They have called multiple times and use different legal threats each time. Harrass employment and do not follow through with simple verifiable information - written statements. The phone number they provide does not come back to a valid business, all numbers routebacktoXXXX XXXXXXXX and when questioned as to why I could not locate them on XXXX. They statically people don't use the internet. No information about their existence, phone numbers or names are not traceable as valid businesses.
11/16/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web	Servicemember
Beginning in XXXX of XXXX I have disputed these alleged debts. I have asked for debt validation from XXXX XXXX Bank along with JTM Capital Management and requested that these accounts are removed from my credit reports. I have not received validation of debt from XXXX XXXX Bank or JTM Capital Management and my requests have been ignored. I do not have any knowledge of these accounts. I want to see proof of debt and a contract that has my signature to prove, I am in fact the person repsonsible for these debts. XXXX XXXX XXXX JTM Capital Management continues to verify the accuracy of the information being reported with the CREDIT BUREAUS after my numerous disputes with XXXX , XXXX and XXXX . However, my debt validation request are being ignored. There are a total of two accounts from XXXX XXXX XXXX XXXX being reported on my credit reports. I am disputing both accounts. Both accounts are listed as sold/transferred to JTM Capital Mangament LLC.
10/01/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 15239	Web
The Company is called JTM Capital Management. On XX/XX/XXXX, my grand mother was called and informed of my personal information, and debt amount. I quickly called the Debt Collector that left her number, and explained that was she was calling an XXXX XXXX XXXX women and disclosing my personal information. I was told that this would not happen again, and I repeated my phone number as a source of contact until I could get this resolved. Three days later, my mother 's place of employment was called, again telling her coworkers that I owed a debt, the amount, my address, my date of birth, and other personal information. I called again, and was told by a women that they are not doing anything wrong, and that I am about to be sued by the original credit holder. I called the original credit holder, and was told that they are absolutely not suing me, and that this account was sold to debt collection agency that has no authority lying about suing!
10/03/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	IA 50315	Web
Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	VA 23860	Web
My mother opened cc from XXXX XXXX XXXX without my knolege disputed thinking mistake sinvestigation said application card bill came my address well yes it did i lived with her 20yrs she has done this grandma stile checks grandma my dad now me i only found iut was her she died 2 accts XXXX XXXX and XXXX XXXX in her purse with all my info and also on my phone she had XXXX app her name my info all u have do push button on app my phone gave info no knolege she ruined my credit after taking care her its fraud she was alive id press charges XXXX limited income feel like no where turn they made me believe was family im responsible uodate calked paid service fee XXXX XXXX to remove it from all3 repirts and waive fraudalint chg only got lettder for payment delete over 70 calls 2yrs threats police talk heard threats on phone callingXXXX toXXXX am XXXX at my exs kids so they wont answe when i call tell my name hang up
08/09/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 605XX	Web
I have been trying go contact someone from JTM CAPITAL MANAGEMENT , LLC multiple times but have gotten no clear answer. I called back in XXXX to settle the account and get it off my credit report and the representative said that there is no record of the account or where they may have sold the debit to. I advised that the debt and the company is still showing in negatively on my report and that I would like it removed or paid and removed. I called again today, XX/XX/ and left a voicemail to speak with somebody. I still have not heard back today. I just wan na get this Collections account settled and off my report please. Again it still showing a balanced due of : {$460.00} and JTM has the collection agency. My previous address is:XXXX XXXX XXXX XXXX, XXXX, IL XXXX. May that information will also help. Thank you
10/27/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA XXXXX	Web	Servicemember
There is a charge off on my XXXX, XXXX, and XXXX credit reports that was purchased by JTM Capital Management LLC in XXXX of 2018. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they dont, theyre in violation of the act. I have attempted to contact JTM Capital numerous times by phone and letters, they do not answer the phone or haven't responded to my certified letters and it has been over 3 months. JTM Capital is involved in numerous lawsuits about the same issue I'm having. I have also sent debt verification letters with no response. JTM Capital doesn't have the legal right or license to operate in my state of Massachusetts making this debt void also. I demand that this charge off be removed from my credit reports.
02/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78217	Web
After reviewing my credit profile and XXXX XXXX report on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was still in existence. XXXX XXXX XXXX XXXX was contacted in XXXX and they advised that the account now belonged to XXXX XXXX XXXX/ XXXX XXXX XXXX under acct # XXXX. XXXX XXXX XXXX was contacted and the debt was paid off in full however they have failed to report to XXXX that the debt has been paid in full, nor to provide me documentation of the debt being paid off although they verbally confirmed this. Since XX/XX/XXXX I have tried several times to get into contact with them via phone call and email however I still have not received any documentation to support the debt being paid and as of XX/XX/XXXX the account has still not been updated in XXXX XXXX.
10/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38017	Web	Servicemember
I am unaware of any dealings with the original creditor of XXXX XXXX XXXX and XXXX or the current creditor of JTM Capital Management ; nor do either of these creditors appear on my credit reports. It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that JTM Capital Management provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.
03/06/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 138XX	Web
I have tried repeatedly to contact " JTM Capital Management LLC '' regarding this old debt that I am 100 % not aware of! I have disputed this information on my credit report more times then I can count. I have sent letters that are always returned. and the debt always comes back verified?!?!?!?!?! I have come to a point where i'm trying to repair my credit. I have recieved a notice that my information was leaked on the internet. but i'm not sure which debts are mine and which aren't because many are so old! I planned on paying the ones I'm aware of and disputing the ones I don't think are mine. Starting with this company! it's impossible to get ahold of them by mail or phone! Not to mention the account is XXXX XXXX XXXX and the statute of limitations in NEW YORK State is 3!
04/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	WI 53213	Web
There is a money judgement against me from JTM Capital Management LLC from what I believe to be a payday loan. I finished a Chapter XXXX bankruptcy in XXXX of 2018, I am done making payments and received all my court documents finalizing and closing this chapter XXXX, everything is in good standing. Under chapter XXXX bankruptcy payday loans are prohibited, this means this payday loan was taken out under my name, without my permission while I was still making payments under my chapter XXXX plan. I never received a court summons, have not been served any court hearing documents notifying me of any dates for a court appearance. I now have a money judgement claim under my name and fear that I will have wage garnishment without anything I can do to stop it.
05/14/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 44212	Web
Yes. JTM Capital Management in New York purchases old debts, including credit card debts, payday loan debts, etc. They never send letters verifying the own the debt. They use horrible debt collection agencies who call you and pretend they are going to serve you papers and try to scam you out of money you don't have by threats. JTM Capital Management is a horrible company who outsources to debt collection agencies who have illegal practices trying to get money. They need to be watched. They use XXXX XXXX XXXX in New York and XXXX XXXX XXXX in Florida-both who consistently use illegal practices to collect debts. They call and pretend they will serve you papers and never do and never send any documentation. Horrible, horrible, horrible.
10/10/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91701	Web
XXXX XXXX sold an account under my name to JTM Capital. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. XXXX XXXX claims that JTM Capital is reporting on my credit but under the wrong creditor name of XXXX XXXX and not JTM Capital. I did not even know initially that JTM Capital bought the account. Please see attached letter from XXXX XXXX detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.
05/01/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	WY XXXXX	Web
Called my wife 's phone, I took the call, and said that I do not recognize the debt, she got angry and started belittling me stating " do you even remember working ? '' I said because of her attitude that I was terminating the call and to have a nice day. She then called my cell phone immediately after and said " Good I now have your phone XXXX XXXX '' and hung up. She then called my place of business, and said " is the owner in or are you the owner XXXX XXXX? '' and I hung up. She called back twice after immediately. Then she called my father-in-law immediately after that on his cell phone. This, after I said I needed to check to see if this was my account as I didn't remember it.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77449	Web
This complaint is to inform the CFPB that XXXX different companies are claiming ownership to one account on my credit file. According to the FCRA, this is a violation. XXXX This original furniture, XXXX XXXX XXXX has fraudulently sold this account to two different collection agencies. XXXX XXXX, XXXX, and XXXX XXXX XXXX , LLC which I havent had any luck with speaking with a representative. While they are still claiming ownership on my XXXX and XXXX credit files. Making it a total of 3 different companies claiming ownership of one account to the three major consumer agencies. Along with this complaint, I have included screenshots of their fraudulent behavior of these companies.
12/19/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	DE 199XX	Web	Servicemember
I have been contacted by XXXX repeatedly stating she will be serving me with a court date to sue me at my home if I do not call another number before tomorrow. I called the XXXX number and was told they dont know who XXXX is, but they are serving me legal documents at my home. The man did not give his name, would not verify anything about the debt, but said I could start a payment plan and he was from XXXX XXXX XXXX. Otherwise, they will take me to court and garnish my wages. I checked with the original creditor, XXXX XXXX, and the account was never sold to XXXX XXXX XXXX, who is the number I called. I am being harassed and threatened. Please put a stop to these companies.
12/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20011	Web	Servicemember
I have tried for months to contact JTM CAPITAL MANAGEMENT to no avail. I have written debt validation letters and have called the telephone numbers listed. If I lived in New York, which honestly I doubt this company is even based, I would visit. I can not understand how a company who no one can seem to reach, can repeatedly verify a debt. This company appears to be playing some kind of fraudulent scheme. No website wont answer the phone to even to settle the account. I can seems to get no help from the original creditor OR THIS FRADULENT COMPANY. you can't reach them, but they can reach credit bureaus to verify information. Honestly, I just to this settled ASAP!!!
08/11/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 306XX	Web
According to the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Total Card Visa, has violated my rights. This account was fraudulently opened using my information. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
07/06/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AL 360XX	Web
I have submitted several request to have the debt with XXXX XXXX XXXX validated as mine, I have written this company on 3 or more occasions with one being more than 4 more ago with no response. The first letter was written on XX/XX/2020 with no response mailed another letter on XX/XX/2020 no response and I have recently mailed a 3rd letter on XX/XX/2020 there has been no communication from them in regards to this matter, this credit entry on my credit file is making it hard for me to obtain credit at a reasonable rate and if they can not verify the debt it should be removed from my credit file.
07/26/2017	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 617XX	Web	Servicemember
XX/XX/XXXX and XX/XX/XXXX Phone number called from : ( XXXX ) XXXX XXXX, NY Both times they claimed a courier was on their way to my home to serve me with papers to withhold my Social Security check for an alledged credit card I have paid off and closed. After 1st message I called back and spoke to XXXX XXXX XXXX who claimed to represent a law firm of a company of a company. She had the last 4 of a credit card number of mine. She claimed I owed XXXX XXXX XXXX and XXXX XXXX XXXX XXXX {$360.00}. Since XX/XX/XXXX I want these people to quit scamming people. Bunch of theiving subhumans!!
10/04/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WI 531XX	Web
JTM management phone number XXXX. Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is XXXX XXXX XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to JTM management. XXXX XXXX number is ( XXXX ) XXXX. Attached is part of the second source of my income which is XXXX XXXX XXXX.
04/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60647	Web
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission XXXX FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
01/30/2017	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	MI 493XX	Web
All of the above happened actually. I am receiving frequent and repeated calls, the caller is using obscene and profane language, he is calling and harassing my family, and I have sent in a letter asking them to only contact me by USPS. I have never received anything in writing from the company, even though it has been requested and they are continuing to contact my family, friends, and people I do n't even know about my debt breaking every privacy act for me.
10/03/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	OH 43609	Web
This company has repeatedly harassed me at my job. I've asked them to stop calling me at work. They would call right back. A man threatened to show up at my home and place of employment. They've contacted my mother late at night threatening to put me in jail. They even some how found my uncles phone number who I haven't spoke to in years and threatened to put me in jail.
05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27804	Web
I have contacted total visa to let them know I had fraud happen to me I had to file a police report on my ex wife because of she was putting fraudulent credit accounts in my name! They still says this item is accurate on my credit reports and still remains ... I never had a account with total visa! It should be remove from my credit report XXXX.. XXXX.. and XXXX ...
06/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30047	Web
Hello i had problems with this card company and filed a complaint about the with cfpb # XXXX and now with no notice, we find out that another company reported it on my credit they never sent us any notice what so ever and have not allowed us our due process this is a secured card that has been paid they are killing us with late fees and the penalty for no reason
01/04/2019	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 952XX	Web
XXXX XXXX XXXX XXXX Contacted my daughter about me, told her they had documents to deliver and they had our address, told my daughter I was high risk and they are coming to get me. I called the company after they harassed and scared my daughter they told me I had to pay {$4800.00} or someone is coming to my house. This is harrasung, unethical and against the law
05/03/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85331	Web
I have made a previous complaint under XXXX to XXXX XXXX XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to JTM Capital Management LLC and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXXXXXX XXXX XXXXXXXX and this was paid.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 387XX	Web
I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report
02/12/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89436	Web
JTM CAPITAL MANAGEMENT , LLC at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$300.00}. The charge off has been reported on my XXXX credit report. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
07/19/2023	No	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28012	Web
The collection company said if I did not pay the collection that they would file a XXXX against me and I would be XXXX for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.
02/24/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76051	Web
JTM Capital Management sold my account to XXXX XXXX XXXX. Account was settled with and XXXX. Submitted disputes to CRA to have removed. JTM is refusing to remove from Credit Report. Made several attempts in contacting the Collection Agency but keeps getting voicemail or hung up on.
08/26/2022	No	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WA 99216	Web
I have tried multiple time over the last month to contact this company. No one answers the calls or returns the messages. This collections agency has placed my credit card debt as repossession and I am trying to get in contact to pay if off but can not get in contact with anyone.
10/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29681	Web
This company XXXX XXXX XXXX has called me stating they are reviewing a matter and have been retained by JTM Capital Management for XXXX XXXX XXXX from something from XXXX 2014. I have never heard of either company. They refuse to send me anything in writing when I requested it.
01/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91325	Web
This debt has disappeared, then reappeared reporting on my credit file with different dates however, this debt is a result of identity theft. I have contacted the credit bureas who claim debt has been validated and therefore won't remove this account from my credit reports.
04/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
I have been a victim of identity theft and have made contact with this company in trying to resolved this matter. I have sent it many request for this collection to be removed from my credit and have just be either hung up the phone or direct me to somebody else.
03/20/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 90242	Web
Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.
08/17/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30034	Web
I have attempted to contact JTM Capital who keeps changing there number about a debt owed. However, I have done my research and they have use tactics to threat me of judgement and legal actions. I told them that I am willing to settle with 20 % of whats owed.
07/22/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48235	Web
For the past six months, Ive made several attempts to speak to some one about this issue. Ive left several voicemails. I have not got a return call you yet. I disputed this on my credit. They refused to remove the item, that I am inquiring about.
05/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 711XX	Web	Servicemember
This company is Not licensed to collect any debts in the state of Louisiana and this debt has been paid already anyway. I've contacted the original company and this company because they're failure to remove this paid debt is damaging my credit.
06/06/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
I want this company to cease all communications written, verbally, as well as reporting to my consumer report as it is also considered a form of communication per United States code 15 subsection 1692C.
04/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85331	Web
Upon checking my credit report, I noticed XXXX XXXX XXXX XXXX XXXX XXXX reporting my account as not paid and even sent it to collections. I paid this card off back in XXXX.
07/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48213	Web
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. It Is Violating, Intrusive and Illegal.
03/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NE 68111	Web
information was sent to XXXX stating paid nothing owed but was not sent to XXXX and XXXX XXXX. I have tried to contact them on the phone by calling XXXX no response
10/23/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	AL 368XX	Web	Servicemember
XXXX has sold my loan to JTM Capital. I'm in the process of selling my home. Once my home is sold. I will pay this off. But what I only have borrowed.
10/17/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NY 106XX	Web
They are threatening me with legal action saying my pay would be garnished and debt would damaged my credit for the next 15 years
10/12/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MA 02155	Web
Company is sending text message without consent with a link to click. Does not state it is a collection agency.
12/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	Web
This account does not belong to me, this address I was told this account was started I have never lived there.
08/25/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 075XX	Web
XX/XX/2018 {$530.00} have a derogatory remark on credit would like this account removed off credit report
01/13/2022	No	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	MD 21239	Web	Servicemember
Someone opened a account in my name company was a scam it was sold company cant be located
06/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30078	Web
I never had any dealing with the company that is charging me.
05/14/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60532	Web
XXXX XXXX is not mine but they are on my credit report
01/20/2024	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85018	Web

01/16/2024	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38018	Web

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

05/25/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19061	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91325	Referral

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 66061	Web

10/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Phone	Older American

10/14/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92626	Web	Servicemember

10/13/2022	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 24017	Web

08/09/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75063	Web

07/26/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36606	Web	Servicemember

06/22/2022	No	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 07606	Web

03/22/2022	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33770	Phone

03/18/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60611	Web

03/14/2022	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 54806	Web	Servicemember

01/02/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30101	Web

12/20/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VT 05822	Phone

08/22/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85042	Web

06/03/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76522	Web

06/03/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76522	Web

05/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29556	Web

05/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27606	Phone

11/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DE 19977	Web

06/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06255	Web	Servicemember

02/20/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36695	Web

01/14/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 20708	Web

11/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91306	Web

09/11/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48089	Web

04/27/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77047	Web

04/03/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

03/29/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92583	Phone

03/27/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TN 37874	Web

03/07/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

02/22/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IA 52410	Web

02/04/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute		Phone

01/31/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

01/09/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ND 58102	Web	Older American

11/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31410	Web

09/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

07/06/2018	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39046	Web

06/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34668	Web

04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27616	Referral

02/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/18/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91001	Web

09/08/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80020	Web

08/22/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language		Phone

07/14/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 76112	Web

05/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35160	Web

04/04/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	SC 29223	Web

02/20/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	AR 72472	Web

10/13/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NC 28704	Web

07/25/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CO 80222	Web