Debt collection -- Attempts to collect debt not owed -- Complaint #5372513
Complaint Overview
Complaint ID: 5372513
Company: Jtm Capital Management, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Connecticut
ZIP Code: 06108
Date Received: 2022-03-27T12:00:00-05:00
Date Sent to Company: 2022-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #5372513 about?
Complaint #5372513 was filed against Jtm Capital Management, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-03-27T12:00:00-05:00.
How did Jtm Capital Management, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Jtm Capital Management, LLC?
Yes, visit the Jtm Capital Management, LLC company profile at readthecomplaint.com/company/jtm-capital-management-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.