| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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JEFFERSON CAPITAL SYST and XXXX continue to report an alleged debt onto my consumer report. This debt has not been validated or verified as belonging to me. I have no obligation to Jefferson Capital System and furnishing such deceptive information is a direct violation of my protected consumer rights. I have received no notice or any contract that requires me to pay this alleged debt. XXXX is required by law to only report accurate information and this alleged debt has not been verified to be reporting onto my consumer report.
15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code Notes prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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| 02/19/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. Jefferson Capital System bal. {$35000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. Please cease and desist all collection activities until you can properly validate this alleged debt. I have not done or agreed to do any business with Credence nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached XXXX XXXX XXXXXXXX XXXX XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
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| 08/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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During the months of XX/XX/XXXX-XX/XX/XXXX, my wife and I disputed by mail and contacted by phone with recordings Jefferson Capital LLC., XXXX XXXX , and XXXX XXXX XXXX , and the three credit bureaus. We submitted the claim disputing the adverse account that was reported to the credit bureaus on both of our credit reports. What was once a charge off on both of our credit reports became an open collection account. This was done after an inquiry was made, without notification, and investigation of a claim. What my wife and I both inquired, in two different disputes and multiple phone calls on the following dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, was the validity of Jefferson Capital 's claims. We requested during conference calls, an itemized document that furnished a full account summary and itemized calculations of the alleged debt. We requested the company provide, the dates and times used in the attempt to make payment arrangements, or alert us that a debt was owed of {$100000.00}. Before we had any knowledge of Jefferson Capital on our credit reports I, the husband, was pre-approved for a home loan. Two months passed as I waited for my house to sell. It was during this time when I submitted for my annual credit report and noticed Jefferson Capital was listed as a negative account and made my first dispute. When the home finally sold, three months had gone by and I had to re-score to pre-approve for the home. It was then that our lender said there was a dispute on my credit report and we could not be approved with an open dispute. XX/XX/XXXX, Agent XXXX XXXX explained my wife and I that she could not identify or locate any account with my nor my wife 's social security number, maiden name, married name, address, nor phone numbers. Before Dispute Was Made 1. Jefferson Capital 's agents reported, " The alleged account could n't be identified or located using neither my nor my wife 's social security number, maiden name, married name, address, nor phone numbers. '' 2. After dispute on XX/XX/XXXX, Jefferson Capital reported over the phone, The account in question is now assigned to XXXX XXXX. Please call them. '' My wife and I called XXXX XXXX and they sent us back to Jefferson Capital because they were also unable to locate the account using neither my nor my wife 's social security number, maiden name, married name, address, nor phone numbers. ( After alerting the companies that we were recording their statements, Jefferson Capital and XXXX XXXX responded saying, " Speak with XXXX XXXX XXXX, our assigned representation. '' ) The company no longer spoke to myself or my wife about the questions and concerns we had about our alleged loans or the status of our dispute. Jefferson Capital reported they owned the loan. XXXX XXXX reported they serviced the loan and assigned it to a firm. XXXX XXXX XXXX reported that they are the company 's representation and could answer my concerns regarding the status of the dispute. XXXX XXXX XXXX furnished a letter during XX/XX/XXXX in response to our dispute letter sent on XX/XX/XXXX confirming : 1. Who my wife was before marrying me. 2. She owed and was obligated to pay XXXX XXXX XXXX XXXX XXXX Account in the amount of {$10000.00}. 3. A contract signed by my current wife given to them from the date XXXX/XXXX/XXXX. The company also mailed a bill of sale and assignment in response to our dispute. What was signed on XX/XX/XXXX was a Signature Student Loan Promissory Note. A contract Jefferson Capital allegedly made between themselves and my current wife. Section B ( cosigner information ) and Section C ( cosigner signature ) are both blank on the contract Jefferson Capital furnished. This further confirmed to me that I had no parts in obtaining this loan. The contract was allegedly obtained on XX/XX/XXXX and I did not marry my now wife until 10 years later. This confirmed to me that I was not obligated after all payments credits and offsets had been applied according to the letter furnished by XXXX XXXX XXXX on XX/XX/XXXX. The credit bureaus XXXX and XXXX mailed a completed report concerning the investigation. The alleged loan is still in collection status. My wife and I sent another dispute on XX/XX/XXXX reporting the errors Jefferson Capital made and their response to our dispute sent on XX/XX/XXXX. 1. We verified debt does not belong to me, the husband, according to Section B and C of the contract they furnished. 2. All of my wife 's student loan debt, private and federal, has been consolidated by XXXX XXXX. XXXX was the original owners of XXXX XXXX 's federal loan accounts. XXXX was the owners of XXXX XXXX 's private loan accounts. XXXX XXXX took over both companies accounts with my wife and has established a repayment schedule since XX/XX/XXXX. XXXX XXXX, XXXX XXXX, nor XXXX XX/XX/XXXX XXXX have yet to furnish myself nor my wife with any written or verbal notification itemizing in detail this alleged debt. XX/XX/XXXX my wife sent a second dispute and was told on recorded phone calls and was told by XXXX XXXX XXXX that the dispute had been received XX/XX/XXXX, but results could take up to 60 days to receive. The status of the dispute was pending after the 30 day mark according to the agents when we would call and record. My wife and I indicated prior to each recorded call that the calls were being recorded. My wife also reported to XXXX XXXX XXXX that XXXX sent a letter and that she had questions about the results of the investigation. The agents from XXXX XXXX XXXX and Jefferson Capital both reported that no determination had been made regarding my nor my wife 's dispute and XXXX 's letter was sent in error and investigations can take up to 60 days. XXXX XXXX XXXX continued to take my wife 's contact information and ensured we would be contacted when a decision was reached. XXXX XXXX XXXX also said they would forward a message to Jefferson Capital to expedite their investigation process, but this never happened. We have recorded phone calls for the dates we contacted both companies and questioned how XXXX could send an outcome that both XXXX XXXX and XXXX and XXXX denied ever reaching. Those phone call dates are as follows : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX pm, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX at XXXX XXXX and XXXX XXXX. My wife finally contacted XXXX on XX/XX/XXXX and asked how it was possible they sent a letter with an outcome to our dispute on XX/XX/XXXX while both Jefferson Capital and XXXX XXXX XXXX continued to report that no decision had been made, there were no results, claimed investigations could take up to 60 days, and that XXXX made an error in sending the reports to myself and my wife with an outcome listed. The agent from XXXX refused to be recorded, but reported to my wife that the decision was made on XX/XX/XXXX by Jefferson Capital and that is why the XXXX outcome report was sent to myself and my wife. XXXX reported no error was made on their part, but rather my wife and I were sent what was given to them at the conclusion of the investigation from Jefferson Capital and XXXX XXXX XXXX.
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| 04/07/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , Equifax , and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is am
ended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. JEFFERSON CAPITAL SYSTEM bal. {$13000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection BureauXX/XX/XXXX Iowa XX/XX/XXXX CC : XX/XX/XXXXXX/XX/XXXX FLXX/XX/XXXX CC : XX/XX/XXXX FL XX/XX/XXXX CC :XX/XX/XXXXFL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern, I am writing to file a complaint against JEFFERSON CAPITAL SYSTEMS for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I am requesting validation and verification of the alleged debt being collected by Jefferson Capital Systems.
Request for validation of the debt : I am requesting a validation of the debt being collected by Jefferson Capital Systems along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. XXXX addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, Jefferson Capital Systems has assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector or current creditor has the legal right to collect on the debt, including the signed terms between the creditor and collector ( Jefferson Capital Systems ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( Jefferson Capital Systems ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ), which protects consumers from being pursued for debts they do not owe or have already been paid. I request Jefferson Capital Systems to send me the validation of this debt as requested above. If Jefferson Capital Systems fails to validate the debt, I dispute the debt, and request Jefferson Capital Systems to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
Request for verification of the debt : I am also writing within this complaint, a direct request for information from Jefferson Capital Systems regarding the original contract of the debt that I am being pursued for. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires Jefferson Capital Systems to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that Jefferson Capital Systems fails to verify the debt, I dispute the debt and request Jefferson Capital Systems to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
It is important for Jefferson Capital Systems to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by Jefferson Capital Systems to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that Jefferson Capital Systems must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of Jefferson Capital Systems. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold Jefferson Capital Systems accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting that the law requires and request the deletion of any information relating to this complaint that is invalid and unverified and being reported by Jefferson Capital Systems. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Collection Company : Jefferson Capital Systems , LLC Phone : ( XXXX ) XXXX Address : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Jefferson Capital Systems , LLC, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by Jefferson Capital Systems , LLC regarding a debt they currently hold under my SSN.
Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was further outsourced for collection with affiliated companies that they would see the account notated for no contact as well. Jefferson Capital Systems , LLC has refused to acknowledge any notices and aggressively engages in blatant FDCPA violations even when advised they are breaking the law.
Jefferson Capital Systems , LLC has willfully engaged in a complete disregard for my request to cease contact, and to discontinue disclosing details about personal debts to mulitple 3rd parties, despite Jefferson Capital Systems , LLC receiving FIRST and SECONDARY cease and desist request ( s ) with notice ( s ) of intent to file bankruptcy delivered to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX MN XXXX Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have engaged in relentless aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls to my father ( same name ), other relatives, and roommates. They impersonate legal officials and claim to be the lawyers handling the lawsuit directly when battering the phone lines of my relatives and myself with relentless robocalls and calls from spoofed phone numbers. They advise that that have already obtained a default judgement and refusal to pay will incur further penalties and further court charges. Jefferson Capital Systems , LLC has taken full advantage of the pandemic to operate outside the requirements of the law. I have secured my fathers and other relatives phone records validating the time of contact and all the numbers can be traced back to Jefferson Capital Systems , LLC.
Jefferson Capital Systems , LLC is further advised for immediate notice in this escalation complaint addressed to the CFPB, FTC, and Virginia State Attorney Generals office to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. This letter further requests that they stop disclosing the creditor information, balances and other protected information about my debts with 3rd parties. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact.
I feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing the details regarding the debt. Jefferson Capital Systems , LLC has received the separate notice ( s ) advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although I am working with several legal firms who have offered to take up my harassment case against Jefferson Capital Systems , LLC whether individually or in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to Jefferson Capital Systems , LLC. In order to fraudulently obtain the default court judgement in their favor ( that they told my father it was already awarded by a judge and he should help pay he was very clear that it was not his debt ), they are consciously falsifying their contact records and will deny any receipt of my correspondence or debt information disclosure to 3rd parties in order to continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records for my account as well as the other accounts they service.
In the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to my family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my XXXX XXXX state to the point of XXXX. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of Jefferson Capital Systems , LLC in my state. Regarding my concerns, I am requesting a further investigation into Jefferson Capital Systems , LLC including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against Jefferson Capital Systems , LLC, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by harassing me, disclosing my debts to 3rd parties, impersonating legal officials and intimidation tactics, while flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.
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| 05/02/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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For years, I had an account with XXXX for their wireless " mi-fi '' mobile internet service. It is a wi-fi box that you can take anywhere so that you don't have to use public wi-fi and chance getting a virus or other problem, as the " mi-fi '' box is password protected. I normally paid for 5 gigs per month for {$50.00}. Most months I didn't even use the 5 gigs, however, if I had special projects I was working on that caused me to need additional gigs, I had the ability to go into my account and change it, so I had full control over how much data I would use and how much I would pay. This problem goes back to before XX/XX/XXXX, when I contacted XXXX because someone hacked into my " mi-fi '' box and I started seeing charges showing up on my credit card for amounts in excess of {$100.00}. If I ever needed more than my usual 5 gigs for {$50.00}, I could go into my account and change it for the month so that if I needed more than 8 gigs, I would change it and the plan would allow me to use 10 gigs for {$80.00}. I always had my account set up on auto pay, and I knew I would never run my bill up more than {$80.00} per month and it was very rare that I used more than the 5 gigs for {$50.00}. When I started seeing these higher charges on my credit card statements, I called XXXX to let them know that I had a problem and that my " mi-fi '' box had been hacked and it wasn't me running the bill up that high. I called them for several months trying to get them to resolve the problem. The first few calls were to customer service, and I was told that the problem would be elevated to management to be corrected, however, nobody did anything to correct my billing and find out how my account was hacked. After several calls, I was told that I should have been dealing with the fraud department and that they would open a case on it and work on the problem. I let another billing cycle go by, and once again my bill was way to high, so I called again and asked for the fraud department. When I talked to that department again, I was told that nobody ever opened a case on it. I talked to people from the lowest positions up to managers and I could not believe that nobody did anything at all to adjust my bills back to what I actually owed and there was never a fraud case opened. I told them to take my account off auto pay since I was having to pay for several months worth of charges that I didn't run up and obviously nobody at XXXX cared. After I took the account off auto pay I used the internet service for the amount of time that I had already paid for since they never credited my credit card back and then I closed the account and never did business with XXXX again. I even cancelled my cell phone service with them, even though I never had billing problems with that service. I was just never going to do business with them again.
After I closed the account and a few months went by, suddenly XXXX managed to put some effort into trying to collect {$170.00} from me, which was the overage from when my account was hacked and nobody could manage to help me get a new " mi-fi '' box or do something on their end to be able to stop the hacker. I told them I had already paid that balance and I would not pay any more money to them on that account and it was ridiculous that I tried to get them to help me for months to no avail. After a while, they turned my account over to a collection agency. Every time I explained the situation to the collection agency, they apologized and said that I would not be hearing back from them and they were sorry for what all XXXX had put me through. It seemed to me that after talking to people at collection agencies, this seemed to be how lacking in service XXXX was all the time. XXXX turned my account over to a few collection agencies and I explained what happened each time and each time I got the same response, an apology and a statement that they would not call me again. Keeping in mind that this goes all the way back to XX/XX/XXXX, XXXX has surely spent a good deal more than {$170.00} over the years trying to collect money that they are not owed. I was hopeful that by now this would be behind me, however, on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone # XXXX. I once again explained what happened and that I didn't owe XXXX any money and that my account had been hacked and after many, many phone calls to XXXX they did absolutely nothing to stop and fix the problem. The man I was talking to on the phone would say that his manager was right there with him and he said that if I paid {$100.00} that they would write off the other {$75.00}. I once again told him that I was not paying a dime for a bill that a hacker ran up. Then the man said that his manager said that if I would pay {$75.00} that they would write off the rest. Again I asked him what did he not understand - I did not owe that bill and I would not pay any money on a bill a hacker ran up and that XXXX made me make phone call after phone call for months and they didn't do one thing to help take care of this problem and if anything XXXX owed me money for all my time and effort trying to get them to help me and I kept them informed from the very first time my bill was too high. That ended the conversation, and within the next few days, I got an email from XXXX XXXX that my credit score, which has always been excellent, had dropped. I immediately went out to my account and XXXX XXXX had put this on my credit report, so I immediately went online and filed a dispute with XXXX. To my knowledge, I think it is illegal for a collections agency to try to collect different amounts of money than what was turned over to them. I intend to file complaints against XXXX XXXX to every agency I can possibly file with. I have always paid my bills on time and have always had an excellent credit score and I will not stop until this false claim is off my record. If it's illegal for a collection agency to try to wheel and deal with people about how much to pay, I will see that they are reported to the appropriate agencies so that they can go through what I have been put through. The only difference is that I didn't do anything wrong and I don't owe a dime of the balance of what they are trying to collect. It is ridiculous that any business would be chasing after {$170.00} that they aren't even due from all the way back in XX/XX/XXXX and here it is in XX/XX/XXXX. XXXX should be ashamed that they can't run a business any better than that.
Thank you for your time and assistance. XXXX XXXX
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| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello Consumer Financial Protection Bureau, I am contacting you for help with some creditors/banks on my personal credit report. I have already tried and disputed these unauthorized accounts on my credit report via the online portal through XXXX XXXX with all 3 credit bureaus, XXXX, XXXX and Experian.
In addition, I have since tried contacting them all several times by telephone, email and finally written letters signed, notarized by my personal credit union and all sent USPS Certified Mail with Return Receipt to all the creditors and banks with no response or help whatsoever. So, I found the CFPB through research and am hoping your agency may assist me since they refuse to do so.
I was a legitimate victim of fraud between the periods of XX/XX/XXXXthrough XX/XX/XXXXand only just realized 2 months ago when I decided to check my credit report. Several of the legit creditors and collection agency 's that did have deragotory marks on my credit report did immediately remove them and had sent me verified proof of such. The remaining creditors and collection agency 's I have listed below are the company 's who are refusing to offer any help.
With the assistance and guidance from my Attorney, he suggested that I send them all a written and notarized FCRA Section # 609 Debt Validation Letter for legit proof that the debt was legally my own. By federal law, as they are more than aware of as creditors and debt collectors, have 30 days from the postmarked date that they received the written notice to provide written, visual and/or audio proof that I was the legal and responsible owner of such debt. Again, all of them with no response, help or guidance.
So, at this point, the only recourse I have is with the FCPB. I will list all of the information I have available with each creditor, collection agency and/or banks.
*XXXX XXXX XXXX XXXX XXXX.
Debt Purchased from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX *This collection agency has been of no help and refuses to offer any proof or explanation of the debt they are accusing me of. What makes things worse is the fact they have removed the deragotory marks off of only 1 of the credit bureaus, XXXX.
But, they will not remove the deragotory marks off of XXXX or XXXX. By law, they are supposed to make the necessary corrections with all 3 credit bureaus, not just their choosing. I am again requesting this company to finish the deletion process completely from the other 2 credit bureaus.
*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This bank/credit card company lists a debt in my name as a " Charge Off '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. I have never even heard or this company/bank until just recently. Again, no help or response after emails, letters, disputes and numerous telephone calls. They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus.
*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX This bank/credit card/online store catalog company lists a debt in my name as a " Bad Debt '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. To make things worse, this is the 2nd deragotory account from XXXX along with the Collection Agency above that is stating I have yet another account with them. I have tried, over and over for any help or response after emails, letters, disputes and numerous telephone calls.
They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus.
*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX According to my recent dispute withThis creditor/bank, it has modified or " Updated Their System '' stating that they " Certify The debt belongs to me '' but changed remarks on my credit report from " deragatory '' to " Closed '' with no payment information whatsoever. I have never even opened an account with this creditor and yet they continue to post on my credit report as if I did, but yet they can not provide any account information except the partial # 's provided.
Just changing an account status from " Deragotory '' to " Closed '' and still report 3 late payments on this account is not acceptable. In addition, this company has pulled 7 " Hard Inquiries '' on my credit report over the course of 5 years. As I stated above already with the other creditors listed above, by federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting, again, that this account is removed from all my credit reports along with all the Hard Inquiries they have pulled.
I apologize for such a lengthy letter, but as you already are aware of, these negative and deragotory accounts listed on my credit report are seriously impairing my ability to obtain any credit and is causing a huge problem within my family. Being a victim of Identity Theft from several years ago has been an awful amount of time and work just to clear my name of these wrongdoings. It should not be as difficult as it has been to make things right. If you have any questions, please feel free to contact me anytime, I have listed all of my personal and contact information above.
Lastly, I just want to sincerely thank you for all of your time, help and patience with this matter, both myself and my family very much appreciate it. I hope you have a blessed and wonderful day.
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| 07/25/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I bought a new phone at XXXX for a cheap price and I didn't know that it was already connected with XXXX XXXX,the employee said nothing to me about what plan i was going to use or anything about the phone she just made a sale to me a bit disinformation and so I went to The XXXX XXXXXXXX store and I tried to get it service to activate the phone and I was told that I was scammed by the XXXX employee and she just works on commission and she didn't care if I was XXXX XXXXXXXX XXXX or XXXX XXXX XXXX she was trying her best to scam me into buying this phone for a really good price and no strings attached she said to me I was thrilled to get a brand new phone and a good one,so I had to get it connected to a service provider and I ended up at XXXX XXXX store and the employee at XXXX XXXX said yeah you have been scammed by XXXX they do that all the time to all the consumers that are interested in a new phone for a cheap price but a excellent phone it didn't add up to me but I went and bought it anyhow and so the XXXX XXXX store said that it costs like XXXX just to hook it up and then the service fee was like another XXXX and I was belated of hearing what this man had said about the price of the full charge of connecting with XXXX XXXX network it was a nightmare for me because I was broke after purchasing the phone a XXXX XXXX XXXX and with a stylis pen it was a bargain for what the situation at the XXXX XXXX store so I had no idea what to do with the phone cause I had no money in my bank account and nothing else on my debit card it was just about the end of the month so I had told the XXXX XXXX employee that I would be back on the first day of the month cause that's when I get my XXXX check and I planned on getting the phone activated and then I had to pay my car insurance bill and my rent bill and my other payments I had I had paid off before going to XXXX XXXX store and when I got there they said that it was XXXX if I want the phone activated and paid off for A month and again I was beside myself cause I didn't have that kind of money for the phone,so there was nothing else I could do at the time and the price of the phone bill going to the next month was going to get more expensive so I just decided not to get the phone activated and I still have the phone because XXXX scammed me and wouldn't take it back and the employee at XXXX got her commission for scamming a person who had no idea what was to happen to me and I was furious with XXXX and XXXX XXXX store because they all made it hard for me to activate a new phone for a cheap price but a heafty price for a activation fee and a monthly payment fee so I have the phone its in good condition no cracks in the screen and I just used it two times and I connected it to my wi fi and just played games on the phone and it was a nightmare and a mistake on my part I should have been buyers aware that I was scammed by a person who was just interested in a profit and didn't care about the consumers coming in to XXXX for a cheap price and a big price for activation fee and a monthly payment fee all together combined and I couldn't pay for the bill and that's the whole truth about XXXX and scamming people who don't have any idea what their getting themselves in for a little scam and then they send you out to get it connected with XXXX XXXX store and the payments are outrageous for a man who's on a fixed income on SSXXXXI XXXX I want to dispute the transaction with XXXX XXXX cause I don't use the phone and I still have it it's just collecting dust and I don't have any use for it now and when I first day I purchased the phone its all a big nightmare for me and I didn't deserve this whole thing now I can't afford to pay for the bill of a collection agency for the same price for activation fee so what is my best options for someone on XXXX and a monthly fixed income please I need and want some help and not a new collecting agency down on my back and life I am trying to build credit and not damaging my life and credit for one day id like to purchase a used or new phone but at a Dealership in my town and I will never go back to XXXX ever again I'm sorry for everything that has happened to me and my life is now worrying about this whole thing now with XXXX XXXX and I never even had any activation on the phone it was never paid for to a Wireless Provider that I should not have to pay for the bill of collection agency its not fair I was scammed by people who had no curtosy to advice me of my rights for the phone and activation fee all together combined it's XXXXXXXX which is alot and I still cannot afford to pay for the bill and I never even used the phone I can give it back to whomever you have me do so I'm very upset and worried about the whole wrong stealing situation the XXXX employee had no curtosy or right not to advice for me but just to make a sale honest to XXXX truth please don't have any more expensive payments on my life and credit use for it is already in the lower position that I am trying to build credit and not damaging it thank you for what I did nothing wrong but not accepting my fate for the XXXX in decision to be threatened by a scammer who has no business with people and mess them up with bad credit choices and a monthly income on my phone I pay for now I'm not using a Government account for a phone I pay for the phone bill of XXXX and I can't afford the price either so I'm gonna try to talk to them and get a cheaper price for monthly service fee again I'm sorry for everything that you have to get me in trouble for something that I could not handle at the moment and the time to this day and how ever long it's been since I first had the phone in my hands please forgive me and don't damage me and my credit for I'm on a fixed income and I'm on XXXX for XXXX XXXX and XXXX XXXX has it's toll on my XXXX and I need some help and not a new collecting agency down on my back ive still have XXXX XXXX and all my bills to pay and they add up goodbye and XXXXbless America and have a nice day.
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| 12/14/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JEFFERSON CAPITAL SYST XXXX {$5700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACCOUNTNAME & BALANCE I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 12/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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NOT THE ORIGINAL CREDTIOR ACCOUNT WAS SOLD TO ANOTHER COMPANY AND CAR WAS AUCTION OFF.
JEFFCAPSYS XXXX XXXX XXXX Account # : XXXX -- -- High Balance : {$12000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$12000.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Placed for collection -- -- Original Creditor : XXXX XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : $ XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
( Pub. L. 90321, title VIII, 809, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 879 ; amended Pub. L. 109351, title VIII, 802, Oct. 13, 2006, 120 Stat. 2006. ) References in Text The Gramm-Leach-Bliley Act, referred to in subsec. ( e ), is Pub. L. 106102, Nov. 12, 1999, 113 Stat. 1338. Title V of the Act is classified principally to chapter 94 ( 6801 et seq. ) of this title. For complete classification of this Act to the Code, see Short
Title of 1999 Amendment note set out under section 1811 of Title 12, Banks and Banking, and Tables.
Amendments 2006-Subsec. ( b ). Pub. L. 109351, 802 ( c ), inserted at end " Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. '' Subsec. ( d ). Pub. L. 109351, 802 ( a ), added subsec. ( d ). Subsec. ( e ). Pub. L. 109351, 802 ( b ), added subsec. ( e ).
Effective Date Section applicable only with respect to debts for which the initial attempt to collect occurs after the effective date of this subchapter, which takes effect upon the expiration of six months after XXXX XXXX, XXXX, see section 819 of Pub. L. 90321, as added by Pub. L. 95109, set out as a note under section 1692 of this title.
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| 02/13/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I received a COLLECTION NOTICE from XXXX XXXX XXXX XXXX. showing a balance due of {$170000.00} ( pdf attached ), which included a letter address directly to me alone. This document showed the " Current Creditor '' as XXXX XXXX XXXX XXXX XXXX and the " Debt Description '' as XXXX XXXX. The communication also notes that satisfying this debt would put an end to " calls and letters attempting to collect on this account. '' However, I had never received any previous communication regarding any such debt - by mail or by telephone. I found this quite odd since we had made a permanent move from one state to another just over a year ago. I also found it odd that a debt in that amount would be in my name alone since I have been married for over 40 years and all large debts have been in both my name and that of my spouse.
Before seeing the debt description, I contacted XXXX XXXX XXXX in XXXX thinking this debt might have been associated with a medical procedure. I was informed that the hospital did not trade as XXXX XXXX XXXX XXXX XXXX and no debt or collection notice was issued by them. It was then that I noticed the debt description and became concerned that this " Notice '' might be a scam since it showed an energy company. I remember years ago that energy companies were overtaking personal accounts without permission from the owners. To further add to my skepticism, this Notice offered a savings of {$1100.00} since " Our client has agreed to accept 9 monthly payments of {$68.00} as a full and final resolution to this account! '' These payments would total {$610.00}. It also offered a savings of {$1200.00} if I - " Set up a one-time payment of {$510.00} to resolve your account in full ... '' I contacted the telephone number shown on the Notice requesting more information about this collection. I spoke with their representative, XXXX. She proceeded to ask for personal information that should have been associated with any debt incurred and I refused to comply. She said without that information she could not provide me any details. I then told her that I would be contacting our attorney, which I did.
The back of the Notice stated that I could send a written notice to XXXX XXXX XXXX XXXX. within 30 days of receipt to dispute the validity of the debt or any portion thereof. It also stated that " ... this office will obtain a verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' The attorney, who also believed this could be a scam, advised that I write this letter to dispute.
I wrote my letter ( pdf attached ) on XX/XX/XXXX including a copy of the Notice and mailed it Certified Mail Receipt on the same day. My certified receipt shows a signature of receipt ( XXXX - last name undecipherable ) on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter ( pdf attached ) in response from XXXX XXXX XXXX ( no salutation ), which reads : " Please be advised we represent the above client, XXXX XXXX XXXX XXXX XXXX, who is the owner of your account referenced above.
We are in receipt of your request regarding this account. This letter is to serve as notification that we are returning this account back to our client and there will be no further communication from XXXX XXXX XXXX XXXX regarding this matter. '' Both this letter and the original Collection Notice were signed by XXXX XXXX Operations Manager XXXX - the instructions on the back of this letter read much the same as those on the back of the Collection Notice.
I would like to know why XXXX XXXX, XXXX did not send me a copy of the verification of the debt or a copy of the judgment associated with this debt as they claimed they would when I requested same in writing. I want the documentation regarding this debt so that I can get this issue resolved because I know this is NOT my debt. I can not assume that this debt is no longer associated with my name and current address if I do not receive this in writing from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. I do not want this debt that I did not incur to show up again on a collection notice or worse in my future. This issue has not been resolved to my satisfaction by XXXX XXXX XXXX XXXX or as promised by their Notice To All Customers.
I did not sent a second letter to date regarding the original creditor vs current creditor, mainly because XXXX XXXX XXXX XXXX did not follow through by sending a copy of the debt verification or a copy of the judgment in response to my first letter as their " Notice To All Customers '' claims they would, and I have no confidence that they would follow through to send me the name and address of the original creditor even if different from the current creditor.
I know that this debt is not mine, but knowing it and having verification that this debt is no longer associated with my name and address are two different things. I would hope that I will not hear another word about this claimed {$170000.00} debt that somehow became associated with my name, but would like some sort of written verification from whoever initiated this collection that I am not responsible for any portion of this debt.
I am also concerned that this may be a scam directed at the elderly, and could very well play out as a scare tactic to force others to pay the lesser amount in order to satisfy a debt they may never have incurred, but are afraid that they may have forgotten about.
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| 12/23/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Good day, during the XXXX weekend, the XXXX that me, my wife, and XXXX children ( XXXX, XXXX, and XXXX months old ) worked very hard to figure out how to make a large impact with our XXXX. We figured out a way to make a lot of sales during the week, and were excited about our new found success. During this time, XXXX decided to put a lock on my wifes XXXX account. The reason was that there was an account that I owed money on. I had used XXXX for a previous XXXX, and I owed them as the account went into the negative somehow. I was wrong for not handling the account properly at the time. I was in a bad spot, and my XXXX account had been an added debt on my end and I never heard from them, so the debt definitely slipped out my mind. So when XXXX saw that money was coming in at a faster pace, they held {$7100.00} of our money since XX/XX/XXXX. They felt that theyd found information that linked my account to my wifes account. They froze her funds, that had nothing to do with my old account, and demanded that I pay my debt, before they allow her to use the funds that we had earned during that weekend. We were using that money to finally spread some cheer to our family during a very difficult covid period where we are in California, away from family. They required payment, and we made the payment to the collection agency that they sold my account to. And then this is where the real problems begin. On XX/XX/XXXX, I make my payment to Jefferson Capital. I pay the debt in full, hoping that XXXX will receive information confirming the debt was paid. They will not remove the block on the account. They are using tactics that are completely unfair to hold funds that my family has earned. We emailed the paid in full letter to XXXX because they have said repeatedly that they have not gotten any confirmation from Jefferson Capital. Ive called XXXX many times. Each time, they bounce me around from department to department. They tell me that limitations is the only department that can help me. Then limitations department say that the collections department is the only one that can help me. Each department comes with a hold time of 90 minutes per department, per call, and nobody will help me. I have sent the paid in full form to XXXX and have been confirmed 5 times that it was received by various methods. I have also faxed, and uploaded this form to their systems. They confirm receipt but still do nothing to unlock our account. They have a reputation for having done this to many accounts Ive found. I have had to call and sit on hold so many days and have received little to no assistance. On Monday XX/XX/XXXX, I spoke with a supervisor in the limitations department after the initial operator said they could do nothing to help me. The supervisor received my letter of payment and told me she submitted it to be verified and that in 10 hours, my issue would finally be resolved. And it wasnt. They wont refer to any notes on the account, or previous representatives to get to the bottom of it. Instead they continue to hold our funds hostage, even though the debt has been paid for almost a month. We had a supervisor from collections on XX/XX/XXXX, hang up on me because Id called him Bro. I admit that it should not have been the word choice, but I didnt mean it disrespectfully at all. I was attempting to show that I was human, and trying to have him level with me. He did not like that and XXXX, operator XXXX hung up. And then when he called my wife XXXX back, he attempted to help again by opening a case on the verification process for the form we sent in. When she asked him to speak with a different supervisor as he would not fulfill our request to have the paid debt removed ( he works in the collections department ) he hung up again, citing that we had received 3 strikes. Requesting to speak to someone else is a strike in their culture is a strike. Standing up for yourself when a supervisor at a place you do XXXX with, is a strike against you. This supervisor literally told me that he doesnt have to help me and that by staying on the phone as long as he had was not something he had to do. He may have been having a bad day, and I understand that we were on the phone for a long time, but at that point, I was on the call for 3 hours and 58 minutes. The culture of this company is poor, and we have never been so humiliated in our lives. We wanted nothing more than to have the account reopened as we handled the issue that I created by not having paid my account up. Now they are also saying we have to provide new information on our social, which is fine, other than the service doesnt interrupt over this. We cant even do anything because theyre holding ALL of our funds. As a XXXX, we have been unable to access our funds since XX/XX/XXXX, and are desperate to have the funds released as we paid our debt. I called Jefferson Capital with XXXX XXXX on the line and their supervisor XXXX said that to his knowledge, once a company sells a collection account to them, they no longer have any access or claim to it. Instead, XXXX is using bullying tactics to do all of everything else they want, which prevents them from being accountable. Its 2021, and theyre claiming that they cant even see the payment was cleared. Which shouldnt take two companies 21+ days to confirm. Please help us!
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| 05/12/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I transferred my family over from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was offering a deal at the time if we started new service with them they would pay off the current phones cost to XXXX up to {$650.00} PER PHONE, so then our phones would be paid off to trade in for new phones with XXXX XXXX XXXX. It is an offer they had available for OVER a year. We only owed around {$400.00} each for two phones. We received the correct amount in a XXXX XXXX XXXX gift card to pay off ONE phone, the other we did not receive anything. After being in there for HOURS setting things up, when signing up we were assured that we would receive 2 gift cards in the mail to pay of each phone from XXXX. We qualified for the phones to be paid in full since it was under the {$650.00} promotion and for any cancellation fees and such to be covered to transfer over with the purchase/installment of a new phone and taxes paid, as well as trade in the phone I had with XXXX to purchase a new phone ( installment ) from XXXX XXXX XXXX WHICH I DID, and submission of last bill from XXXX showing early termination fees and such- WHICH I DID. I followed all the rules like I was supposed to per the promotion and what the XXXX XXXX XXXX representatives and emails told me to do. I stopped into the store XXXX XXXX XXXX store where we did the transfer from XXXX to XXXX XXXX XXXX and was told the representative we had no longer worked there. ( conveniently the representative that was helping us for hours to get everything fixed and resolved no longer worked there. Mind you there were system glitches the entire time we were there, however reassured multiple times by the Rep everything went through and was done correctly. A younger lady to be exact. ) We received the email saying the reward visas were sent to cover phone costs but one received ONE, and when I called the reward company MULTIPLE TIMES to figure out what happened to the other I got the runaround and then told there was no record of the 2nd reward even though I had proof. I called REPEATEDLY for MONTHS, spent HOURS on the phone calling to check up, called all the way up the chair to the Vice President of the company only to find out they were NOT willing to pay off the phone and were unwilling to do the right thing by the customer. ( Mind you, my family has been customers of XXXX XXXX XXXX for over 13 years!! Since XXXX XXXX XXXX was Singular!! ) at the time I finally spoke to the Vice President of the company, with PLENTY of extremely rude representatives in between. XXXX isn't the issue here- XXXX XXXX XXXX is. Because XXXX DID NOT receive the cost left the second phone the phone amount went to collections for {$820.00} and the VICE PRESIDENT XXXX XXXX XXXX XXXX said the best the can do is pay half of the phone cost- when initially only around {$400.00} was owed and was supposed to be completely paid off. They were VERY unprofessional, very careless and did not treat me with any sort of respect- I guess since I am a woman I dont get treated with respect and care. This collection has now been on my credit UNRESOLVED for over 5 years, and has been repurchased multiple times by the collection agencys so it continues to sit on my credit- RUINING my credit. I have tried disputing MULTIPLE times over the years. Nothing has been done other than it continues to sit on my credit ruining me with no disregard. As soon as the collection is about to fall off, it is repurchased. XXXX XXXX XXXX never denied offering the promotion, however danced around it saying they cant pull anything up about it. I asked them to pull phone records of every conversation in the beginning pertaining to this situation confirming we were supposed to receive the amounts to cover and they refused saying they cant. I have tried EVERYTHING I possibly can to get this resolved, showing proof from online MANY others had the same thing happen to them. This is EXTREMELY UNPROFESSIONAL, and that is coming from someone who has worked in customer service for 15+ years! I NEED this resolved, it has ruined my family the opportunity to be able to own a home, purchase a much needed vehicle and many other things that have needed to use credit. This is a HUGE scam that needs to be resolved immediately. I tried approaching a lawyer after I spoke with the Vice President to see what could be done, gave them all the evidence I had, but was told I probably wouldnt win because it was my word against theirs, and everything I had given the lawyer to look over had been misplaced and never recovered other than the two emails I have showing the rewards were sent! The account is under my father as the why it shows his name on the account. He is the main account holder. They even put my number in wrong for the reward and never fixed that either, they told me that didnt make a difference. Obviously it did make a difference. The files attached is all I have left of proof. I did try to contact XXXX to let them know what was going on, however the issues wasnt with them, it was with XXXX XXXX XXXX not following through with their promotion. XXXX was just following through because they didnt receive the coverage amount from XXXX XXXX XXXX.
|
| 11/05/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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The original debt was with XXXX, I was paying them and they sent my account to XXXX. I didn't trust that XXXX was authorized to collect money for XXXX so I kept sending money to XXXX at the end of XXXX, beginning of XXXX and then COVID issues. Almost the entire amount XXXX billed me for were turn off fees for XXXX devices, which first of all should have been illegal. I paid off several of those devices.
XXXX issue, I finally arranged to make payment of the debt with XXXX in XX/XX/XXXX. I agreed to 5 electronic pre-authorized payments of XXXX. They took the first payment and were supposed to email me a contract, they never did. They were supposed to mail it in the regular mail, I don't remember getting it and have not found one. I asked them this year to resend it and they said they would and I did not get it.
Back to the payments : They took {$180.00} out of my PNC Bank account ending in XXXX on XX/XX/XXXX, the second payment was {$180.00} on XX/XX/XXXX, the third payment of {$180.00} was taken out on XX/XX/XXXX. I have an attached statement showing that the last XXXX payments were to be taken out on XX/XX/XXXX which they did, and then on XX/XX/XXXX and XX/XX/XXXX. The payments for XX/XX/XXXX and XX/XX/XXXX were never attempted or processed. I did not realize this until I was checking in XXXX to make sure that they closed the account and showed it as paid. That's when I discovered that they never took the payments out.
When I talked to the lady originally, I specifically chose dates that were after my pay date to make sure the funds would be there. When I called to find out WHY the pre-authorized payments were not taken out, I was told that there wasn't enough money in the account. That is false. I have never heard of a payment not being taken out or retried and if that is the case why didn't they notify me so I could check on it or pay it directly, they didn't do any of that. In fact you can see that my account has overdraft protection and I was charged an overdraft charge at one point during the year and then they refunded the charge.
So for some reason XXXX did not take the funds out of my account to satisfy the 'contract ' that they never sent me so that I didn't know what to do to complain. I called several times, requested paperwork, etc. They were very mean and said there was nothing I could do. How could I prove that they were supposed to take the money and didn't? I was having trouble downloading their messages from their encrypted emails so I don't even have some of the communication. I got smart at one point and figured to screenshot a email and the 'bill ' so I do have a few of those but any other communications I could get into because I didn't know the password. I couldn't find any of those emails at first and was unable to get any copy 's of the info and then I finally found some. I believe they didn't want to satisfy my account and must have gotten more money from XXXX for not collecting the entire amount and instead ruining my credit. If you look at my credit all my other accounts are in excellent repayment status. I have found a few statement from XXXX but they have a crypted email and some of the emails link to an encryption which you need a code to get to see any of the info. I was able to successfully get some of the info and even screen shot a chat. I can upload all of that information.
XXXX in the first place turned off my XXXX lines after I complained that their sales rep gave me a phone that I ended up getting 2 lines and one phone. I complained because they were charging me for 2 lines ( in XXXX or XX/XX/XXXX ) and they wouldn't fix it. I had to pay an extra {$75.00} for nothing, then they turned off my other 5 accounts and charged me turn off fees for EACH line! they caused me to have my business number turned off and it affected my business, I was angry but made payment arrangements. in XXXX I missed a scheduled payment and they turned my account over to their company XXXX. I was a XXXX customer for over 20 years!!! but I felt they were abusing me because they kept turning off my phones and charging turn off fees so that I couldn't pay the extremely expensive bill and as soon as I got caught up ( and these bills were sometimes $ XXXX a month-like in XX/XX/XXXX ) they would turn it off again within a week or two! I feel those were extreme costs and I had been complaining for months. My normal bill was around {$200.00} and they would turn off my lines, I would pay and they would turn them off again in a week or two!!!! I lost my number because of their fraudulent fees and practices. AND now their company screwed me over by not taking out the preauthorized payments so my account could be settled and then they turned it over to Jefferson Capital to collect more money from me and ruin my credit. You can see this is the ONLY collections account on my record. AND I tried to settle it. What am I supposed to do when the collections company doesn't take the agreed upon money?? It's very difficult to find where to even complain about this stuff.
|
| 02/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof that : 1. your offer is not to, threaten and deceive consumer, to collect a debt that you know, or should have known, is inaccurate or can not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes.
2. your offer is not an illegal and obnoxious debt collection practice.
3. your agency can file any lawsuit against consumer without having the intent to prove the debt.
4. your agencys practices does not violate the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform, and Consumer Protection Act.
I conditionally accept your offer, as mentioned above, upon verifiable : 5. proof of balances, interest rates, and payment due dates.
6. proof of accounting and transactions.
7. proof that your agency conducted any investigation to determine whether the debt is accurate and enforceable.
8. proof that the debt is owed and accurate.
9. proof of legal documents to prove that you are legally authorized to collect.
10. proof of a signed contract showing the terms about the debt.
11. proof of WHO owns the debt/or has been assigned the debt.
12. proof of a copy of a True Bill in Commerce.
13. proof of a complete payment history, starting with the original creditor.
14. proof of a Certified and True Copy of the original signed agreement or application.
I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying.
Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. If your agency attempts to collect on debts by suing consumer in court, please take notice that the consumer will file this CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM.
Your agency must provide refunds where it collected payments by misrepresenting that it could sue on a time-barred debt or by misrepresenting in court that a debt was assumed valid because the consumer did not previously dispute it. Your agency must provide refunds where it collected payments by misrepresenting that an attorney has reviewed a debt or that collectors were calling on behalf of attorneys, and where it collected payments on judgments that it should not have obtained because they were barred by the statute of limitations from suing to collect the debt. Your agency must release or move to vacate any judgments and dismiss any lawsuits where it misrepresent that a debt is assumed valid, and stop any attempts to enforce or collect on said judgments. Your agency must release or move to vacate any judgments and dismiss any pending lawsuits it filed past the statute of limitations and stop any attempts to enforce or collect on said judgments.
No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded " Should you consider my position in error... '' NOTICE IS HERE BY GIVEN, this document stands under the doctrine of qui tacet consentire videtur, " he who is silent is taken to agree, silence implies/means consent ''. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, created this Summary judgment and this shall become a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
|
| 09/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
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This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below JEFFCAPSYS and XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. OnXX/XX/2021. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
|
| 12/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 05/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a call from this person claiming to be an investigator : XXXX XXXX XXXX, North Carolina Area This person ( a male ) stated that he was an investigator and wanted me to confirm my name, DOB and Social Security Number. I asked him what agency he was an investigator for. He stated for a collection agency. I told him I am not giving him my social security number and asked why he is calling me. He said that someone under my name and DOB rented a car in XXXX NC and that the car is missing.
I told him that I haven't been to that part of NC in years. Approximately 10 years ago. And, the only cars I have ever rented were in Oregon and PA.
He said I owed a debt of the car and asked to confirm my personal information yet again. I refused. I told him that he needed to send me a certified letter that I would have to sign for in order to confirm what company he worked for and why he was requesting my personal information.
I assumed at this point that he was a scammer or that someone stole my identity. He called again and I did not pick up. He did not leave a voice mail. I blocked the number.
I then started receiving calls a couple weeks later from the following numbers. This has been occurring almost everyday. Sometimes I pick up, most times I let it go to voicemail and they do not leave a message.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I pick up on the phone call I am told that they are from XXXX XXXX XXXX XXXX and they want my personal information. Social Security number and name. I refuse to confirm my personal information and ask why they are calling me. They state that it is a debt collection. I tell them that I do not have any debt that needs collected. I do not owe anyone anything that is in a debt collection state. I own everything out rite and pay my bills on time.
I ask for the number of a manager in the United States so that I can confirm that they are a legitimate company. They speak XXXX English and state they are from XXXX. They offer to transfer me to the United States. I ask them where their company is located. They say different cities in the United States. Not naming any particular city or state. This is now making me feel like they are scammers and just wanting my personal information.
I've went through this multiple time since they call frequently. Sometimes I let them transfer me to another person.. who also speaks XXXX English with an XXXX accent.
Never do they give me a number to call myself or an address of their company.
I looked the company up online and with the XXXX. They are a company registered with the XXXX. I saw multiple complaints filed by consumers with this company.
Me being someone that is not in a state of having debt that needs collected I am no assuming they are scammers pretending to be from that company or that someone has stolen my identity.
I call the company number listed online with the XXXX XXXX XXXX XXXX and never get through to a real person. Usually the line is busy.
I looked the address up on XXXX XXXX and it is to a warehouse in XXXX. XXXX Minnesota under the name of XXXX XXXX XXXX.
I called the XXXX. XXXX Minnesota Police Department where this company is located and spoke with an officer that stated there is no company there by that name. And he told me to block the number. I asked him if there was a government agency I could call and he said that it probably is a scammer and by me answering the number they will continue to call me. I told him that I have blocked the number and they keep calling me. He said to not pick up. I thanked him and then searched online through the government to find somewhere to file a complaint.
I spoke with XXXX with the FTC Government agency that I can file the complaint through and he directed me to this site to file a complaint.
I also checked my credit report on XXXX XXXX in which I am registered. I do not have any outstanding debt. I have a bankruptcy listed that was filed in 2010. That is correct, My ex husband and I filed it just prior to our divorce. I only have one credit card with a small balance in which I paid for my sons rehearsal dinner. I use it just incase I need to rent a car or have on hand in an emergency.
I own my home and vehicles. I do not owe anything other than my monthly utility bills.
I have a great job and live a life without debt hanging over my head.
I would like to " NOT '' be contacted via phone calls or by any means from XXXX XXXX XXXX XXXX. I would like the government complaint agency to handle all communications regarding this matter with the company.
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Jefferson Capital System XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of o It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Jefferson Capital System in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade Commission
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { JEFFERSON CAPITAL SYSTEM } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { JEFFERSON CAPITAL SYSTEM } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { JEFFERSON CAPITAL SYSTEM } are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
JEFFERSON CAPITAL SYSTEM XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
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| 06/28/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed recently that a collection hit my credit report in XX/XX/XXXX for XXXX XXXX and the amount of {$2300.00} I believe it was. I saw this on my XXXX XXXX reports. There was never any mention that I owe XXXX XXXX any money until Jefferson Capital put it on my credit report. I am curious as to why XXXX XXXX did not do this. Furthermore I am being told that Jefferson Capital owns the collection yet I'm being contacted by XXXX ( an agency that Jefferson Capital admits to utilizing to collect for Jefferson Capital ). XXXX tells me that they own the account as of XX/XX/XXXX. I was told this by XXXX just several days ago. Doing the same phone conversation where I was badgered and bullied for over 30 minutes for a credit card or bank card after repeatedly stating I have no bank card I have no credit card I have no debit card I have to mail things. I asked for the mailing address several times and took over 15 minutes for the representative XXXX from XXXX to give me a mailing address. The mailing address that I was given is XXXX XXXX XXXX XXXX South Carolina when I looked the address up online it belongs to XXXX XXXX. Directly before making this contact to you I called Jefferson Capital once again I questioned why XXXX would give me an address to mail things to XXXX XXXX and no one seems to know why nor does anyone at Jefferson Capital seem to care. The address that Jefferson Capital has on file for me as an address I left many many years ago long before the supposed account with XXXX XXXX was opened in XXXX. And Jefferson Capital actually has two addresses for me the one I left and another address that does not exist this is the same address that XXXX has. I am aware to open an account with XXXX XXXX a government issued ID must be used. It is my belief that someone obtained my social security number or the last four and that they also obtained an invalid address they believe to belong to me. It is not difficult to gain this information almost anyone online. The address and question does not exist it is a blend of two different addresses I have had. These two addresses were blended together by someone and they false address was made. So I'm having issues understanding how I have an account with XXXX XXXX since XXXX I have never received any communication nor contact from them for a collection I have an issue understanding how Jefferson Capital is the owner of this account yet XXXX claims to have taken it over in XXXX of XXXX when it just hit my credit report in XXXX of XXXX. Also an understanding why it is that I was bullied and badgered and harassed when I asked for an address to mail things to and then finally received an address to mail things to XXXX XXXX. When I asked Jefferson Capital they don't have an answer and don't seem to want an answer. No one is able to tell me where this account was opened what the phone number attached to it is or anything else at all. When I called Jefferson Capital and I was asked to enter the account number or my social security number I entered my social and the recording stated that nothing was found and asked me to please hold. Also and I would have to look at my bank statement to get the correct date but a representative from Jefferson Capital had said he would help me to place this in dispute and that he needed my credit report from all three agencies he asked me to pay a dollar I did this and then I found that other charges were being taken from the card aside from the dollar I have been told about. On my call to Jefferson Capital moments ago I questioned this and the lady I spoke with the supervisor told me that no one from Jefferson Capital had ever taken my information to file a charge. But honestly it is my belief that I stopped her by speaking when I should have been quiet and that I gave her time to realize that she was in the midst of saying that I had told them that I have no card. I believe my interruption gave her time to catch herself and regroup herself and she changed the sentence to go elsewhere. She also told me that she is not tied to XXXX lines thru Jefferson Capital I believe this to be a lie simply because the music that plays when you are on hold with Jefferson Capital is the same music that plays when you call you XXXX. I could be wrong but I don't think I am. I want answers and I want removed from my credit was it understood that it was a fraudulent charge I should have never been. I also want the companies involved to answer for the harassment and such
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| 12/19/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under
the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XX/XX/XXXX
On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
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| 07/19/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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My neighbor gave me a intent to sue that was found in their yard in XX/XX/XXXX. The neighbor across the street saw someone in a gray XXXX XXXX XXXX leave it one the door. So, Im assuming it blew off and into my neighbors yard ... Leaving a third party knowing My personal business.
Anyway, so after talking to my lawyer I decided to go on and settle instead of paying a lawyer. So, I set up three payments ; made the first payment XX/XX/XXXX ( which my XXXX checking would not pay it because they thought it was fraud ) the money was on the account I have proof of that. Anyway I finally got it settled it was paid, the second and the last payment was made XX/XX/XXXX. To pay it in full. I called the law firm collecting the debt and told her ( XXXX XXXX ) that it was paid she said okay it will be three weeks before we send you a settlement letter. That as strange to me I had this same issue about three years ago and they sent me a letter outlining my payments and as soon as it paid off they sent me a letter. Okay that was another dishonest thing she said. They the law firm would send me a letter. I found out when I called 6 weeks later to find out when I would receive my letter ... So, she said you didnt finish paying this I said what I did, she started talking about that first payment I said what after I clear it up with XXXX it clear a few days after.. Also reminded her of our conversation in XXXX re : XXXX messed that up but the payment would be clearing and it did. So, she checked that out and contacted me again saying it still not paid in full because I owe a {$1.00} I said WHAT????? A {$1.00} after I paid over XXXX. She said yes the last payment was XXXX not XXXX I said oh my goodness. I went online and made it immediately and emailed her and sent a copy of the {$1.00} payment and asked again when will I receive the letter showing its paid in full. She said soon, so I waited again and nothing!!! So, I contacted XXXX XXXX again and she said We sent it to the courts to dismiss I said what why did it have to go to the courts if nothing was every filed. She said it up to the courts to dismiss. I said what again I said why is that when you guys are the ones who originated this. So anyway the letter as supposedly sent to the courts so I called the courts and found they had not received anything from them. And said it wasnt a court date for me and to call them and ask them to resend to me ... So, I did that and XXXX told me they resent it and for me Wait for a letter from the courts. That was in XXXX. So I waited and waited and on Thursday, XX/XX/XXXX I went to the mail and received a letter from the courts and was so happy excited that oh I finally received the letter showing it was dismissed. But oh no it was a letter from the courts saying a hearing notice that I will be going to trial for this paid debt. So, I emailed XXXX Last night and told her what was going on and she email me today and said it was emailed the courts this morning XX/XX/XXXX ... So, I sent the courts at their request asking why was I was getting a hearing notice. So they ask me to put it in writing and email it to them. So I did, I called to see if courts got the email from the law firm/debt collector and the only emails they received were the two that I sent and that was about 30 minutes after I sent them ... Again, the email that was supposedly sent by the courts the morning of XX/XX/XXXX was not received yet. Im just not understanding this, I feel harassed and stress above measure.
Why hadnt two mailed letters and an email make it to the courts???. But the original filing made it there with no problems. Now that is strange and unusually.
The letter the courts need to stop this mess has not made it?
Im sick and tired if this. This has caused my XXXX XXXX to exceed where it should be ... I had to spend money to go to the doctor and just to stressed. I did my part after I ran into back circumstances and couldnt pay the original debt. But finally got the money to make a settlement and did just that in the three months allowed.. she told me as long as I had it paid but XX/XX/XXXX. I was good to go ... But its 6 months after the last payment and Im still be threatened and having to stress over going to court on this. Why and what is so hard about this to get me the information that its settled in full?
I can and will send all documents but its to many emails to send ... ..
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| 01/08/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Ive noticed my new device from XXXX XXXX I utilize the keychain password autofill to keep up with my usernames and passwords. This would include XXXX XXXX XXXX as well. I do believe its XXXX or Jefferson Capital due to someone changed the phone number associated with my XXXX XXXX XXXX account to XXXX which is associated with XXXX which is associated with Jefferson Capital. I filed complaints against this company due to sending the information providing proof the account doesnt belong to me. My old account for CFPB, FTC, XXXX, XXXX, XXXX, XXXX, EVEN MY NETWORKNSERVICE PROVIDER, XXXX XXXX ALL MY INFO WAS CHANGED OUT OF NO WHERE, XXXX was unable to change my phone number, I keep recieving calls and texts stating I owe money to the hospital, something with the blood connections, phishing attempts, my phone once the new bill starts over for my data the same day it shows cramming and slamming due to high volumes of data up to 35gb in one day being used when Im not even using the phone. When I recieved the accounts the ones I could get into its showing the same number XXXX attached to the acccounts when I never transferred my number to XXXX XXXX I had got a new number. They made it impossible for me to get back into these accounts by changing the phone number and emails associated with the accounts. Now recently I was with XXXX and had that phone number but I closed the account due to XXXX lying stating my monthly bill wouldnt exceed XXXX $ but every month it was over $ XXXX {$200.00} so I closed the account because I have health issues and my kids have XXXX and I just couldnt afford it. But this old account with XXXX is associated with someone in my family who was using my information I showed uploaded my drivers license records which I disputed with the XXXX someone who knew my social was having my Drivers License sent to their homes committing financial fraud. I know its the debt collectors taking money from my account by utilizing unlawful access to my accounts and taking money. XXXX XXXX XXXX refuse to give me access to my online banking Im missing approx {$350.00} now and they cant tell me where it went. XXXX XXXX is being remotely turned on from my device. The information XXXX is collecting is from a false pseudonyms XXXX false geolocations false log data using XXXX XXXX XXXX XXXX XXXX XXXX looking at credit report someone pulled my credit report XXXX times back to back alone in XXXX a credit reporting agency I just gained access to today XX/XX/XXXX. Every time I turn my car on XXXX turns on remotely on my phone. My legs feet hurts badly after driving a car thats not in my name. All of sudden after the insurance company just paid over XXXX on the car being fixed this includes ac/heat it just randomly stopped working now my kids are freezing cold in the mornings for the bus or if we have to go somewhere. It shows on the radio in the car a desktop linked to the XXXX even after I reset the radio it pops back up!! My device and router detected a device unauthorized access to it and alerted me XXXX AND XXXX ALERTED ME ON MY PHONE NUMBER BEING ON THE XXXX ALSO WHEN I CALLED XXXX ABOUT MAKING THE APPOINTMENT FOR THE XXXX XXXX was linked to the account Ive never given them that number. Cause the car isnt mine its XXXX XXXX he owns the car not me. He bought the car in XXXX not me I just drive the car Im not tied to the car on paperwork never have. I noticed extremely high XXXX XXXX XXXX its like these creditors are fraudulently utilizing their systems and connections to steal money from me and my kids when the debt isnt mine. XXXX XXXX I tested them by giving them a routing and account number that had no funds in it to make sure it wasnt me they told me they received the payment on an account that had no activity but that same week my bank account came up missing the same amount that was due. My bank couldnt figure where the money went to. This needs attention INTERNAL AFFAIRS THIS IS AN INSIDE JOB BEING DONE. Ive lost work hours up to a week at a time due to my Wi-Fi not working making me loose hours and work the 2 companies I owe I called them told them the issue and told them I will pay them once I get a full check. Im stressed and this is going to kill me mentally emotionally this is illegal. There are over 30 soft credit inquires none that Ive done and some of them been pulled over 30 times
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| 05/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I called the company at XXXX. I explained that Ive been out of work since XX/XX/XXXX due to failed XXXX, awaiting XXXX additional XXXX. However, Id like to find out my options to have the XXXX account credit reporting improved. The representative explained that {$190.00} was past due, and I had {$170.00} over the credit limit. I asked if there were any options like waiving the over-credit money if I paid the {$190.00}. Initially, I was told no, and I said that I had other debts I had to research and would call back when I had the money to pay the debt.
The representative asked me to hold the line. When the representative returned, he explained that if I paid {$380.00} today, {$380.00} would be waived, and a new card would be mailed to me with a {$600.00} balance. I was wary, but I initially got the XXXX card through a similar payment agreement. However, I recapped the arrangement twice before agreeing to pay the {$380.00}. I was told to call XXXX if I did not receive the card, and I could get rid of the card that I had. Upon making the payment, the representative said, you are making a payment of {$380.00} on XX/XX/XXXX, I said no, hold on, you just said that a new card would be mailed. He said, Oh yes, maam you are correct ; we can process your payment now. I said yes, based on a new card with {$600.00} coming.
I did not receive the card within 14-days. It took about two months to receive the initial card ; thus, I didnt think that was an issue. I received an email from XXXX stating I had to pay {$66.00} to bring my account up to date. I called Jefferson Capital/XXXX on XX/XX/XXXX, at approximately XXXX, and inquired why I received the email because I was waiting on a new card. I was told that was not the agreement, and after back-and-forth banter, I was placed on hold for XXXX minutes while the representative stated he was reaching a supervisor. I was transferred to XXXX, who claimed to be a supervisor, who repeated what the representative said : that the agreement was that I pay {$380.00}, and the card is reactivated. I again stated that is NOT what I was told. After back and forth, XXXX requested that I call back in two weeks, and he would listen to the conversation. XXXX stated it would take 48-78 hours to request the recording, and he needed time to listen.
I called back two weeks later, on XX/XX/XXXX, @ XXXX, allowing sufficient time to listen to the recordings and update my account accordingly. However, upon calling and speaking with XXXX ( unsure of spelling ), I was told the exact same information as previously on XXXX XXXX when asked to speak with XXXX or a supervisor about the XX/XX/XXXX conversation, I was placed on hold multiple times, and eventually, the call was disconnected. I called directly back and spoke with XXXX ( spelling? ) and was told the same information again : On XX/XX/XXXX, the balance was {$770.00}, and I agreed to pay {$380.00} to reactivate the card. I told him he was half correct. He then informed me that I owed {$22.00} in late fees and {$7.00} in finance charges. I inquired how I could be accruing fees if Im waiting on a new card with a {$600.00} balance. He explained that I would not be getting a new card and to use the old card. I again explained that I was told to disregard that card as a new card was coming. He placed me on hold, and when returning, he explained that supervisors were not available and asked for a good call back number for a supervisor to call me today. I provided the phone number ( XXXX ), and I would be available anytime today.
XXXX would not end the call, and we sat on the call for an extended time. He told me he was waiting for me to hang up. I explained Id like him to disconnect the call because I didnt trust that he would continue talking once I hung up for recording purposes. Thus, I said, I am hanging up on the condition that a supervisor will call me back today. Goodbye As of this date, I have not received a return phone call.
I have experienced unfair collection practices by the company. I was promised a new card with a {$600.00} balance if I paid {$380.00}. The company is telling me that I was mistaken ; I was promised reactivation of the existing card. What I was promised and the company stated that I was promised they are incredibly different and could not be easily mistaken.
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| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
|
| 12/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My complaint is about a debt collector Jefferson Capital System LLC. They are claiming that I owed a credit card debt with an amount of {$3800.00} back in year XXXX with XXXX XXXX XXXX. First, I received a call from them XXXX this year informing me about this debt. On my best knowledge and recollection, I don't have any credit card with this amount of credit card limit even back in XXXX or 19 years ago. So I told to the person I spoked to that I did not owe anything from XXXX XXXX XXXX with a credit card like that. He was so rude yelling at me that it is my debt and my responsibility to pay it. I can not pronounce his name also he has this XXXX accent.
Then on XX/XX/XXXX, I received an anonymous call that letting me know that there will be an attempt to serve me a court summon filed against me on my home address or place of employment. The caller not even identifying herself stated that if I did not call back this law firm with a certain number XXXX and I will be in danger to miss a court date and I will be in default judgement. On my mind this must be a scam so I did not answer this unknown caller. On XX/XX/XXXX anyways, I decided to call that number because it stressed me out, it deprived my sleep and I am scared to be in default judgement. I found out the name of the law firm is " XXXX XXXX XXXX '' stating that the summon is about this credit card debt. They even said that I owe a flat {$5000.00} instead of {$3800.00}, that's misleading to me. They also threaten me that if I did not negotiate with this debt they will put lien on my car or garnish my bank account. I googled and research this law firm but nothing came out with this name or even an address of the business. It is sound shady to me. So I realized that my personal information was involved on a fraudulent activity. On the same day I called XXXX XXXX XXXX ( also my bank for checking account ), to verify this debt that this law firm and XXXX XXXX claiming about. XXXX XXXX XXXX have no records of anything this credit card account on my name, or signed contract bearing my signature, and any monthly payments I made towards this credit card debt. Now I am alarmed thinking my personal information is compromised. I called the 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) to freeze my credit file thinking that they will damage my credit. I also inquired if this account is listed on my credit report. This debt is not even listed on my 3 credit bureaus report. I also called the police on the same day to file a police report but the police department refused me to file a complaint. Letting me know that let these people sue me to court and defend myself. I also filed a complaint online to the Federal Trade Commission about this incident.
On XX/XX/XXXX, I received a statement of debt from XXXX XXXX. Why XXXX XXXX just sending this now before they attempt to sue me in court? It's been a month over now when XXXX XXXX XXXX threaten to sue me in court. I did not received anything from this law firm, any single letter or this summon they talking about until now.
This insanity is not finished yet. On XX/XX/XXXX I received another unknown caller number from a certain law firm again not the same one before but a different law firm stating again a court summon about this debt. Again if I missed the court date I will be in default and will received a judgement against me without my knowledge. Their number is XXXX. When I called and inquire about the name of this law firm he pronounced the name in a quick manner, so the name is not really clear for me. He is asking me about my personal information like my social # and birthdate. I did not give it to him my personal information because I know already this might be a scam and I don't want to compromise my personal information. He also threaten me that if I did not cooperate he will see me in court. I did not bother to call back with this shady law firm anymore instead I sent a " Validation Letter '' of debt on XX/XX/XXXX to XXXX XXXX. The letter is still on transit as of today and waiting for them to receive this registered mail with return receipt.
Please I need help and resolution with this issue. I might be a victim of fraud or scam.
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| 10/13/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : JCS Reference Number : XXXX To Whom It May Concern, This letter is regarding JCS Reference Number : XXXX, which you claim I owe {$2500.00}. This is my formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Jefferson Capital Systems , LLC.
.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification.
PLEASE NOTE : I ALREADY HAVE A CURRENT XXXX ACCOUNT THAT I HAVE HAD SINCE XXXX. I ALSO HAVE 2 POLICE REPORTS ON FILE WITH ALL 3 CREDIT BREAUS SHOWNG MY IDENTITY WAS STOLEN BOTH IN XXXX AND IN XXXX WHEN MY PURSE WAS STOLEN. SO THIS XXXX ACCOUNT IS FRAUDULENT!!!
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA.
Pending the outcome of my investigation, ( BECAUSE I HAVE A CURRENT XXXX ACCOUNT WHICH I HAVE PROVIDED PROOF OF ) of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter ( now a legal document ) with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor.
3. Any insurance claims that have been made by any creditor regarding this account.
4. Name and address of alleged creditor.
5. Name on file of alleged debtor.
6. Alleged account number.
7. Amount of alleged debt.
8. Date this alleged debt became payable.
9. Date of original charge off or delinquency.
10. Verification that this debt was assigned or sold to collector.
11. Complete accounting of alleged debt.
12. Commissions for debt collector of collection efforts that is successful.
Please provide the name and address of the bonding agent for Jefferson Capital Systems , LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Jefferson Capital Systems , LLC.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : Ive also included my police report that reflects the concern.
1. Jefferson Capital System ( XXXX ) Reported on XX/XX/XXXX. Ive disputed this error, but they continue to report on my credit file. Ive filed a police report for the misuse of my identity and provided a copy for reference.
2.The inquiry was not authorized XXXX XXXX Reported on XX/XX/XXXX Please remove from my credit report.
3. The inquiry was not authorized XXXX XXXX XXXX Reported on XX/XX/XXXX Please remove from my credit report.
4. The inquiry was not authorized XXXX Reported on XX/XX/XXXX Please remove from my credit report.
5. The inquiry was not authorized XXXX XXXX Reported on XX/XX/XXXX Please remove from my credit report.
6.The inquiry was not authorized XXXX - XXXX XXXX Reported on XX/XX/XXXX Please remove from my credit report.
7.The inquiry was not authorized XXXX XXXX Reported on XX/XX/XXXX Please remove from my credit report.
8. The inquiry was not authorized XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX.
Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Reported on XX/XX/XXXX Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
|
| 12/03/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX Acct # XXXX Dear XXXX XXXX XXXX : I have not received any communications from you as to the validity of this account or debt. I was not able to dispute this debt as it is not my account and does not belong to me. It is now a negative item on all three credit bureaus.Please supply the information below so that I can be fully informed.
Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm, Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as disputed. If you can not provide this information, the negative information must be removed from XXXX, XXXX and XXXX.
Thank you for your cooperation. Sincerely, XXXX XXXX
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I received a collections notice dated XX/XX/XXXX from XXXX XXXX XXXX XXXX in an attempt to collect debt in the amount of {$550.00} for XXXX XXXX Credit Card. A discount payment of {$360.00} was offered within the notice. On XX/XX/XXXX a certified debt validation letter was sent to XXXX XXXX XXXX XXXX via United States Postal Service. No further response was received by the collections company for the month of XXXX. I received a collections notice dated XX/XX/XXXX from XXXX XXXX XXXX XXXX with a balance of {$550.00} with a now discounted payment offer for {$330.00}. On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX XXXX XXXX via certified mail through the United States Postal Service. Upon my second attempt in validating the debt, communication ceased from XXXX XXXX XXXX XXXX for the rest of the year.
I received a collections notice dated XX/XX/XXXX from XXXX XXXX, XXXX in an attempt to collect debt in the amount of {$550.00} with an offer to resolve the account for {$360.00}. Knowing that two collection agencies can not collect on the same debt, I placed a phone call to XXXX XXXX XXXX XXXX on XX/XX/XXXX to confirm if they are indeed the collections account holder. I was told by XXXX XXXX XXXX XXXX that they no longer held the account and was referred back to the original creditor, XXXX. I then placed a call to XXXX on XX/XX/XXXX to gain clarification and obtain debt verification, a XXXX representative stated the account was no longer with XXXX and was placed in collections to Jefferson Capitol ; contact information for Jefferson Capitol was given. I requested for a statement or documentation showcasing the amount of {$550.00}, the representative asked for updated contact information, I complied and provided updated contact ; I was told a statement would be sent to me for validation purposes. No statements were ever sent by XXXX.
A call was placed to Jefferson Capital Systems , LLC on XX/XX/XXXX to obtain the address and account information in which to send a debt validation letter. A representative from Jefferson Capital Systems , LLC communicated that the account was with XXXX XXXX XXXX XXXX XXXX, when asked for clarification on the account being held with Jefferson Capital Systems , LLC as the collections agency but the collector is with another agency, I was prompted to update my contact information. I complied with the request, gave my updated information I was then told to contact XXXX XXXX XXXX XXXX XXXX for further information on the account. I received a phone call on XX/XX/XXXX from XXXX XXXX XXXX XXXX in regards to a XXXX XXXX XXXX Credit Card XXXX in the amount of {$550.00}. I communicated to the representative that I have not received any statements or paperwork indicating I indeed owe {$550.00}. I furthermore explained that I have the last billing statement from XXXX and I did not owe an amount of {$550.00}, I let the representative know that I would be sending a certified debt verification letter to the collections company.
I sent a certified debt verification letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX via United States Postal Service. I never received debt verification from XXXX XXXX XXXX XXXX XXXX neither did I receive further communication from the company in regards to this debt. Upon reviewing my credit with the three bureaus I noticed that XXXX was reporting the debt as charged off but with a current and past due balance of {$550.00}. XXXX did not indicate on my credit file that the account was in collections. With my last bill statement from XXXX in the amount of {$570.00} and the inconsistencies in XXXX 's practices of obtaining the debt I decided to file a dispute directly with all three credit bureaus.
A dispute letter dated XX/XX/XXXX was sent to XXXX XXXX and XXXX highlighting the inconsistencies that were being reported by XXXX, I sent copies of the collection agency documents and the last billing statement from XXXX. Nothing was resolved, XXXX and XXXX did not investigate the dispute and XXXX sent me notification stating the dispute was resolved by data furnisher however nothing has changed.
|
| 10/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Jefferson Capital, I am responding to your contact about a debt you are trying to collect in the amount of {$3500.00}.
Please note, I do not have any responsibility for the debt youre trying to collect. I have never been Jefferson Capital XXXX XXXX XXXX and never had any business with them.
If you have good reason to believe that I am responsible for this debt please supply the information below so that I have all information.
Why do you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement that was sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
Have there been any payments or other reductions since the last billing statement from the original creditor? If so, provide an itemization showing the dates and amount of each of them.
Have there been any other changes or adjustments since the last billing statement from the original creditor? If so, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. It is imperative that I hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
|
| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX, I ( the consumer ) initiated a phone call to Jefferson Capital Systems , LLC via the number XXXX pertaining to an alleged {$330.00} debt disclosed via XXXX XXXX XXXX XXXX XXXX credit reporting agencies. An agent of the company ( Jefferson Capital Systems , LLC ) disclosed the account as being a debt of which was purchased by their company ( Jefferson Capital Systems , LLC ) from XXXX XXXX ( the Original Creditor ). I informed the agent that I was never contacted pertaining the validity of the account/alleged debt and that such debt obligation was never verified with me the consumer before their agency began reporting such negative report and nor was consent given pertaining authorized use of my private & personal information to said company ( Jefferson Capital Systems , LLC ) ; and as well, no contract nor payment obligation exist between I ( myself ) and Jefferson Capital Systems , LLC. I requested the account be removed/deleted and all 3 credit bureaus be notified and their systems updated. The debt collection agent agreed to make a note and initiate a dispute pertaining to the alleged debt account. I gave my po box address and requested only written communication from that moment forwards.
XXXX XXXX, XXXX, I received a 10 page verification letter via Jefferson Capital Systems , LLC. Disclosed therein is a Jefferson Capital Systems cover page stating " Your Account Summary '' of which there is no contract of such account and such language has been found to be obscene [ violation of Title 15 USC chapter 41 1692 ( d ) ( 2 ) & 1692 ( e ) ( 10 ) ] and reflecting the " Amount of the Debt '' as {$330.00} ( of which is a positive balance, not a negative balance and therefore is a false representation/misrepresentation of an amount owed/debt ) [ violation of Title 15 USC chapter 41 1692 ( e ) ( 2 ) ( a ) and 1692 ( j ) of which constitutes Mail Fraud ] and a XXXX XXXX billing statement issued via XXXX, nothing more and nothing less. Jefferson Capital Systems , LLC has failed to adequately perform on behalf of verifying the alleged debt obligation as there is no proof of contract, no signature, no payment agreement between myself and such company.
[ invocation of Title 15 USC chapter 41 1692 ( k ) ( d ) and 1692 ( c ) ( d ) ] I have come to the conclusion and am invoking my jurisdiction and will administer judgement over this matter in accordance with Title 15 USC chapter 41 1611 and have declared a Default Judgement in favor of I ( myself ) due to Jefferson Capital Services, LLC 's failure to satisfactorily rebut the disputed account via providing an adequate proof of claim. XXXX XXXX did indeed share private personal information ( consumer 's name, address & etc. ) to Jefferson Capital Systems , LLC as a third-party debt collector without my consent and in violation of my privacy as a consumer [ violation of Title 15 USC chapter 41 1692 ( a ) and 1681 ( a ) ( q ) ( 3 ) and 1602 ( p ) and Regulation V 12 CFR 1022.3 ]. That of which is Identity Theft and since no contract exists between the parties ( Myself & Jefferson Capital Systems , LLC ) the alleged {$330.00} is a fraudulent debt account pertaining Jefferson Capital Systems , LLC [ violation of Title 15 USC chapter 41 1692 ( b ) ( 2 ) ]. Discernment was failed to be used by the 3 Credit Bureaus listed above on behalf of verifying the alleged debt account before reporting such [ violation of Title 15 USC chapter 41 1692 ( e ) ( 8 ) and 1681 ( o ) and 1681 ( o ) ( a ) ( 1 ) and 1681 ( q ) ] and in return I the consumer have suffered and grieved the damages caused via such theft of identity and consumer law violations ; i.e. slander, public humiliation, damage to my reputation, personal estate damages and ruined personal/private and public XXXX relations causing economic duress and effecting my ability to provide financial stability, adequate housing plus many other well needed provisions.
I have been a victim of this fraudulent report from the " Date opened '' XX/XX/XXXX to it's most recent credit bureau reporting labeled " Balance updated '' XX/XX/XXXX.
|
| 12/01/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I had XXXX XXXX student loans that were relatively small, well under 5k. I was under the impression that my payments were in good standing, next thing you know I 'm getting calls from XXXX XXXX and XXXX XXXX saying that I owe money and I owe them now or else. Or else what? ( This was the end of XXXX XXXX XXXX they said they had the power to seize my truck, and that they would be garnishing my grandparents income ( they are in mid XXXX and in bad health ). Well of coarse these threats scared me, and XXXX and or XXXX XXXX XXXX would call me sometimes 5 times a day as early as XXXX ( im confident that att could pull up these statements from that period to support this ). Anyways long story short, a man named XXXX would make threats on behalf of XXXX XXXX XXXX, about the above, he said this would all happen if I did n't settle up immediately, well not having a lot of money he told me he would stop calls and leave my grandparents alone, and to do this he wanted XXXX now, he said then two wks later he wanted another XXXX and the following month XXXX at this point he told me I would be settled up, debt paid in full, and this nightmare would be over. I gave him the XXXX payment fast being scared out of my mind and wanting to protect my grandparents. I followed up with the payments but asked him before the last one for a receipt. XXXX told me no to a receipt and said my statement is all I needed and would get. I asked again nicely, he said no and refused to send me proof. I was very worried about all of this because the same XXXX told me he would accept XXXX a month after a payment of XXXX and XXXX followed up with an email which I still have, demanding I reply 'agreed upon 'and returned, when I went to do that deal he said it was no longer on the table and pushed me for more. Anyway, XXXX and XXXX XXXX XXXX both got my money and all was supposed to be done and over. Four years later XXXX has hired a law firm from AZ named XXXX XXXX to collect for the same debt I have already paid for, I responded asking for Validity, they supplied me with someone else 's information, complete with all of her dob, ss number and lots of personal info.. So for months I had no validation of what I asked for and who knows where my info is ( I still have all this woman 's info and paperwork complete with XXXX letter head on letters ) I called XXXX and got hung up on when I tried to explain what they have done ( probably a fdcpa violation in there some place I 'm assuming ) I called back again and told them what I wanted and what I did n't receive, finally a list of payments none reflecting any of my payments or admitting that I have already settled this debt. I asked for a chain of custody, they gave me a bill of sales from XXXX XXXX, but no place does it have my account numbers or name on the bill of sale. It just says XXXX XXXX sold debt to XXXX on a certain date. I called XXXX at XXXX and he admitted that I made the three payments he said XXXX took the debt back and that he would not provide me with any information or receipts of payments so I can show a judge in the future. He did confirm that the payments were two go towards three loans, two of which we are talking about now. I never had a chance to review the validation papers because XXXX provided someone else 's private info to me instead of mine. XXXX filed suit on me in justice court on XXXX. I called XXXX and asked them to stop law suit because I paid this already, the response I received was that they already filed and that it cost them money to do so, so no they would n't stop. I went to XXXX XXXX XXXX and already have one of three payments showing that XXXX collected from me on behalf of XXXX, but XXXX does not show this in payment records. I feel I got scammed and am getting scammed again, I intend to fight this to the end and hopefully expose XXXX and their bullying tactics of threats and lies. As of now I have not recieved service so only the cases have been filed. I 'm stressed every day and night about an issue that should n't be.
|
| 12/04/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I am writing to dispute inaccurate information on my credit report. This is not only a stain on reputation & character but it is a violation of my rights, as set forth by the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I noticed violations of FCRA subsections including but not limited to : 15 USC 1681 ( a ) ( 2 ) & 15 USC1 1681 ( e ) ( b ). In addition to FCRA violations, I also noticed several instances where my rights under the Fair Debt Collection Practices Act ( FDCPA ) including but not limited to : 15 USC 1692 ( d ) ( 1 ) & 15 USC 1692 ( d ) ( 2 ).
Pursuant 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.
I never gave any written instructions to put these accounts on my report. This is a clear and blatant violation of my rights under the Fair Credit Reporting Act.
Pursuant 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I was never contacted or asked to verify the information thats being reported on my file, thus proving that there wasnt an effort made to assure maximum possible accuracy of the information. This is another blatant violation of my rights.
Pursuant 15 USC 1692d ( 1 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
By reporting this inaccurate information, XXXX XXXX XXXX & Jefferson Capital Systems engaged in behaviors that caused severe harm to my financial reputation. Their egregious behavior has caused lenders to look at me in a much more negative light. This is a blatant violation of my rights, as set forth by the Fair Debt Collection Protection Act. Please remove these accounts from my credit report immediately.
Pursuant 15 USC 1692d ( 2 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
By pursuing the alleged debt ( s ), Jefferson Capital Systems harassed, oppressed & abused me. Jefferson Capital Systems used language that I consider obscene. Using inaccurate information, they slandered my name, telling major consumer reporting agencies that I owed them money and I did not pay my bills. That is obscene language and those comments had caused lenders to look at me in a more negative light.
I was demanded to pay an alleged debt that was never validated as mine. I wasnt given an option in the matter. This made me feel very uneasy because it felt & still feels like they were attempting to extort me.
Jefferson Capital Systems continued to harass me by submitting inaccurate information to credit reporting agencies, thus ruining my financial reputation.
These are blatant violations of my consumer rights, as set forth by the FDCPA. In light of the numerous violations, a result of their malicious behavior, please remove these accounts from my credit report immediately.
Due to the numerous inaccuracies and violations on my file, Im demanding that the following accounts are removed immediately : Jefferson Capital Systems - Account Number : XXXX Jefferson Capital Systems - Account Number : XXXX
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| 02/15/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Dear XXXX, XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2021 and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
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| 02/15/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Dear XXXX, XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2021 and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
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| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On countless times I have asked for validation for this collection account on my credit report. The letter/information that I asked of the collection agency goes as follows : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
I have gotten nothing back! This is a big inconvenience and I will be starting a law suit if I can not get any satisfaction from this complaint.
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| 12/31/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX at XXXX XXXX EST, I received a call from a company called XXXX ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. Initially, the guy refused to provide me something via the mail, but when I informed him it was a violation of my rights to refuse this, he hung up on me. I called back and spoke with someone else who said the request had been processed for me to receive something in the mail. Again, this was the first time I heard from them and I initiated my rights to validation on XX/XX/XXXX.
I received a notice on XX/XX/2018 dated XX/XX/2018 stating " we received your dispute and have been unable to resolve your request because we need additional information ... ''. I never received a dunning letter from this company regarding this debt.
This is in violation of the FDCPA 809 ( a ) 1-5 because : 1 ) This is the first written communication I have received from XXXX XXXX and it is dated 6 days from when I spoke to someone attempting to collect the debt. The law states they must send me notification within 5 days of the initial communication.
2 ) Initial communication is required to include : " ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' NONE of the above was included with my initial communication letter.
They are also in violation of the FDCPA 809 ( b ) because : 1 ) I requested validation of the debt ( they acknowledged based on the verbiage of the attached letter - referenced above ), but they did not supply any supporting documentation for the validation, yet requested additional information from me to validate their collection practices. They are required to validate the debt, not me as the consumer. They were unable to validate this debt.
2 ) On XX/XX/2018 this account showed up on my credit report as a collection. This is within the 30-day time frame from their initial contact, where they DID NOT PROVIDE A DUNNING LETTER, and my request for validation, WHICH THEY DID NOT HONOR. They did not provide validation AND they took adverse action against my report during that validation period. This is a direct violation of ( b ), " ... the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They did not cease collection of the debt while in the validation period.
XXXX XXXX is violating my rights under the FDCPA in many ways, so I am formally requesting this tradeline be removed from my credit report due to their blatant disrespect for the law and my rights.
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| 12/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with XXXX XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received none of the information I requested.
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| 12/05/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with XXXX XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received non of the information I requested.
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| 12/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with XXXX XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received none of the information I requested.
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| 02/22/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was told by this company this was a very unique situation. The previous answers I gave to get to this point are NOT the reason I'm contacting you.
On Wednesday, XX/XX/XXXX I was informed by my employer they would no long be able to use my services after 10 years of employment due to a garnishment by Jefferson Capital Systems , LLC, phone number XXXX or XXXX. I called Jefferson this day and was told they were about to close and call back tomorrow which I did and talked to XXXX who answered the phone. He said he was not a lawyer.
I explained losing my job due to this garnishment, he said this was unique circumstances that he wasn't familiar with and went and consulted with some other people. ( I don't know who. ) He came back with two options both involving very BIG payment of thousands of dollars and said that was all they were able to do. I told him there was no way I could do that and isn't there anything else they can do. I was willing to make payments but I couldn't if I wasn't working and wouldn't something be better than nothing. He said this was their policy and if they changed it for me they would have to change it for everyone which made absolutely no sense to me. They made the rules they should be able to change them. I told him in that case I guess we're both just screwed. He said I guess so and that we were only rehashing the conversation and was ready to end the conversation.
This made no sense to me and I asked to speak to the lawyer who did the garnishment. He finally agreed to that and put me through to her voicemail. I asked for her number directly and he said they weren't allowed to do that for some reason. He didn't know why.
I left a voicemail for the lawyer ( XXXX XXXX XXXX ) explaining the situation and how now I was out of a job. She never called me back. I called the next day and XXXX answered again. I told him XXXX didn't call me back and he seemed irritated and tried to get ahold of her. It just went to voicemail again. I asked him if he could please write a note and get it to her so she will call me back. He sounded irritated ( not with me ) and said he would personally give the note to her supervisor to give to her so she'll call me back. This was Friday. She never called back.
They are looking for {$7300.00} and wanted payments of {$250.00} when this initially happened XX/XX/XXXX. I told them then I couldn't do that as I'm a contract worker and my work isn't always steady. But I wanted to start paying something like {$100.00} a month until things financially got better. They again, would not work with me so I didn't know what to do.
I've explained to them that I know they pay pennies on the dollar for these write-off credit card bills and wasn't getting something better than getting nothing? Nobody will call me back. I feel something is very suspicious with this company. I have NEVER had a creditor who wouldn't work with me and they always got their money paid by working with me.
I need help. Again, as I said, I am out of a job now. I have other bills that need paid. And the fact that they won't even call me back is infuriating. XXXX told me they couldn't lift the garnishment because it was in garnishment and there was nothing they could do. When I questioned him on if they placed the garnishment can't they cancel it he said something about that not being their policy. Again, that was when he pushed me to the voicemail of the lawyer who just will NOT call me back.
I think this company not only needs looked into for predatory practices and unfair, unprofessional behavior but also let them know that an unemployed person isn't helping anybody. I want to set something up for repayment but I am getting no cooperation and, again, until the lift this garnishment I have no job. Thank you.
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| 06/21/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Validation of a Debt Request Pursuant to 15 USC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I 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 ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
The Following information is required. Please fill out the form below in its entirety.
Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes 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 COLLECTION COMPANY NAME 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?
Yes No Have any Judgements been obtained by any creditor regarding this account?
Yes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You.
|
| 03/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Around mid XXXX I received a letter from XXXX regarding XXXX, naming " current creditor '' as JEFFERSON CAPITAL SYSTEMS LLC Account Number XXXX in the amount of {$1700.00}. I knew there were alot of fake companies out there claiming consumers owe fake debt so I chose at the time to ignore it. Im sure I recieved many calls but I never answered unknown numbers.
Around mid XXXX I received a debt collection letter from a company called XXXX. not sure what this was, so I got a copy of my credit report. I did not find this particular company on it but did see Jefferson Capital Systems with different account numbers, and amounts. I have NEVER received any letter from Jefferson Capital Systems. I have never signed a contract with them either, so again I ignored it. I did not receive anymore, to my knowledge, any letter concerning this alleged account.
Approximately around XXXX I received a letter from my local courthouse that I was being sued by Jefferson capital Systems LLC with a court date of XXXX. I never received any certified letter or any postal letter from the lawyer nor Jefferson Capital Systems LLC that I was being sued. I went to court and they did not show up so the judge according to local court rules he accepted my plea of contesting this friviolous lawsuit and set a hearing date to XXXX. They phoned in and another date has been set for XXXX. I made the statement in court th After spending countless hours researching my rights and wisconsin laws I realized that I could request documentation to validate the alleged debt. I faxed a request on XXXX ( attached ) to XXXX, the lawyer for Jefferson Capital Systems LLC. That reqest included ALL charges from a zeo balance to final amount so I could inspect if this account was valid. I also requested any and all documents including the original written contract I signed with XXXX and/or Jefferson Capital Systems. In return I got a almost XXXX page discovery requests in the mail. It was very intimidating to say the least! After reading it over and over I feel the lawyer is trying to intimidate me into messing up my answers and also he is clearly telling me what I have to say and how to say it at that. I contacted a free legal service office in Wisconsin and she reviewed my case and offered advice but they could not take the case.
Here is her response to the plaintiffs requests : A few observations about the paperwork you sent to me : - There is only a list of accounts for the last 'bill of sale. ' How does one know that your account was in the previous sales without a list of accounts or something similar? You should request those from the plaintiff by sending your own discovery list to the plaintiff.
- The signatures on the bills of sale are not notarized, so they can not be taken as evidence without further affidavits or testimony from a company who knows of the sales. If you go to a hearing, you should point this out to the judge.
- Look at the addresses on the XXXX statements. They are different. Did you have mail go to those addresses at those times?
- Bill of sale says " no warranties '' so they can not guarantee that the documents are correct by the seller so you should request statements that show how the plaintiff came to the amount due on the complaint.
- The first bill of sale says that all accounts transferred from XXXX to XXXX " except for any interest of XXXX. '' So you should question if XXXX accounts were actually included in that transfer and sale.
this has caused extreme XXXX and XXXX on me and my family can validate this. I have filed a request for production at the courthouse as well on XXXX. Next court date is XXXX.
|
| 11/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX XXXX, XXXX, XXXX ( XXXX ) responded to my complaint I filed through the CFPB. Convergent stated a XXXX XXXX Bank Checking account was placed with XXXX " for collection purposes with Jefferson Capital with a balance of {$190.00}. '' XXXX stated that Jefferson Capital Systems , LLC. ( Jefferson Capital ) is collecting a XXXX XXXX XXXX checking account. I do not recall ever having a debt with XXXX XXXX. Over a decade ago ( in XXXX or XXXX ), I had a XXXX XXXX checking account. But within that same year, I went to my local branch and closed the accounts. The banking representative specifically told me that he will close my accounts and I will not owe anything. I did not have any account fees, any outstanding checks, outstanding items, or any pending transactions at the time I closed the accounts. The alleged debt that XXXX and Jefferson Capital claim I owe is bogus and invalid. The alleged debt is time-barred. XXXX XXXX would not let me close my accounts if I had owed them money. Convergent and Jefferson Capital are lying. I have not ever received anything from XXXX XXXX, XXXX, Jefferson Capital, or anyone or anything about this alleged debt. XXXX response indicates that they spoke with Jefferson Capital and Jefferson Capital will not continue collection efforts and will not contact me.
To be clear, regardless of my above statements or any other statements I may have made : This complaint is not a dispute. I am not disputing nor acknowledging a debt or an alleged debt. I am not disputing nor acknowledging the amount of the alleged debt or any amount or portion thereof. I am not requesting documentation of the time-barred alleged debt. I am not seeking verification of the time-barred alleged debt. This is not a dispute, 809 ( c ) of the FDCPA, 15 U.S.C. 1692g ( c ).
CEASE COMMUNICATION : Pursuant to FDCPA 805 ( c ), 15 U.S.C. 1692c, I am writing that, upon closure of this CFPB complaint, I wish the aforementioned, debt collectors, and anyone and anything that not specifically mentioned but may have been, may be presently, or may be future connected or related to any and all of the aforementioned to cease any and all further communication with me. This notification from me to the aforementioned establishes, constitutes, and satisfies reasonably the requirements of FDCPA 805 ( c ) that my requests for cease communication must be in writing. Upon closure of this CFPB complaint, all communication must cease.
The aforementioned may not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. The aforementioned and anyone and anything that not specifically mentioned herein may not gather or retrieve my credit report ( s ) and/or consumer report ( s ) via permissible purpose, FCRA 604, 15 U.S.C. 1681b. The aforementioned do not have and no longer has a permissible purpose to gather or retrieve my credit report ( s ) and/or consumer report ( s ).
Pursuant to FCRA 616, 15 U.S.C. 1681n, I will sue Jefferson Capital Systems , LLC. ; XXXX XXXX, XXXX ; and the aforementioned for the greater of the sustained actual damages or {$1000.00} per violation, the costs of the civil action together with reasonable attorney 's fees as determined by the court, and any such amount of punitive damages as the court may allow.
I demand Jefferson Capital Systems , LLC. ; XXXX XXXX, XXXX ; and the aforementioned to cease any and all communication with me.
If aforementioned gather or retrieve my credit report and/or consumer report, I will pursue legal action. If the aforementioned communicate with me, I will pursue legal action.
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Jefferson Capitol Systems aka / XXXX XXXX XXXX XXXX Aka Jefferson Capitol LLC/Aka Jefferson XXXX keeps appearing on all 3 major credit bureaus, this company is in violation of thr FCRA, because once the item is proven to be paid with payment receipts of the {$2400.00} to the 3 Major Bureaus, they violate the FCRA by Re-inserting their account under different aliases. The Debt was paid before Jefferson Capitol Systems took it over, This Complaint I am submitting I am requesting a Debt Verification. And this is what Jefferson Capitol Systems needs to verify, they need verify XXXX XXXX XXXX phones both worth {$1200.00} per phone totalling {$2400.00} were returned and balance paid in full with receipts from the original creditor. Requesting Debt Verification.
Merchandise ( 2 XXXX worth {$2400.00} ) - verify if they recieved the phones.
Verbal Agreement with Original Creditor- if both phones ( Merchandise ) are returned back to XXXX , they agreed to write off the not part but ( ALL ) of the balance. Meaning- Consumer requires receipt after consumer returned merchandise to original creditor, so after XXXX XXXX were returned, and a payment of {$920.00}, plus an additional payment of {$150.00}, XXXX issues receipt stating they wrote-off the balance after phones was received, and also they sent reciepts with pictures/photocopies of the XXXX merchandise returned valued at {$1200.00} for one, and {$1200.00} flr the second phone I returned to them showing phones were paid off {$1200.00} + {$1200.00} -- -- -- -- -- -- -- -- -- = {$2400.00} ( written off ) Seems that Jefferson Capitol Systems does not know what a write-off is so here is the meaning.
If a creditor writes off a debt, it means that no further payments are due. In addition : the balance should be set to XXXX on credit reference agency reports.
If Jefferson Capitol Systems continue collection activities on a debt that was already paid, consumer will be forced to hire an attorney and sue under the Fair Debt Collection Practices Act ( FDCPA ) for violations.
For a [ Fraudulent Delinquent Balance Payment Request. ] This has been an ongoing issue with Jefferson Capitol Systems, and there are numerous other consumers who are experiencing the same issue this consumer is, Jefferson Capitol Systems needs to close this account out of they can not verify the debt is a charge-off and not a write-off.
I am not the only consumer they are doing this to trying to collect debt not owed to them.
History with Jefferson Capitol Systems : ( Research copied and pasted from Attorney website ) What Are Common Complaints Against Jefferson Capital Systems/CL XXXX XXXX ?
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of Jefferson Capital Systems/CL XXXX XXXX XXXX Examples of common *complaints against Jefferson include trying to collect a debt not owed *and improper communication tactics.
The following two real-world examples of complaints against Jefferson Capital Systems illustrate these types of alleged violations.
Consumer alleges Jefferson uses improper communication tactics A company called Jefferson Capital Systems is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages Consumer alleges attempts to collect a debt not owed Jefferson Capital System said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am sending this complain on something on my credit report that is in accurate and that I did not authorize.
in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy.
15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions.
Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose.
Date : XX/XX/XXXX Account Holder : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX AVS ZIP : XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Ref # : XXXX Invoice : XXXX AMOUNT : XXXX TOTAL : XXXX ========================================= XXXX ========================================= XXXX XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT.
Please sign the above receipt and send back a scanned/photocopy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit https : //smallpdf.com/sign-pdf for free ESigning services.
If you have any questions about this transaction, please call ( XXXX ) XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any.
information obtained will be used for that purpose.
Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is.
confidential and privileged. If you are not the intended recipient, you are.
hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer.
Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}XXXX XXXX written off. {$2.00}XXXX XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1300.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance - Terms 1 Months Account info Account name XXXX XXXX Account number XXXX Account type Rental Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment {$32.00} as of XX/XX/XXXX Monthly payment - Original balance {$850.00} Highest balance - Terms 26 Months Account info Account name XXXX XXXX XXXX CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$440.00} written off.
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$440.00} Terms -
|
| 06/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section.
( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt.
Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.
abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy.
communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX XXXX and before XXXX XXXX post meridiem.
A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications.
Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me.
I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise.
15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Jefferson Capital Systems , LLC, I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, Jefferson Capital Systems , LLC, with the alleged amount owed of {$260.00}. I want to emphasize that I am a victim of identity theft, and I did not make this charge. Therefore, I request that you remove the fraudulent charge, along with any related finance charge and other charges, from my account. I also kindly ask that you send me an updated and accurate statement and close the account if applicable. Furthermore, I request that you cease reporting this inaccurate information to all nationwide credit reporting agencies ( CRAs ) to which it was provided.
The federal Fair Credit Reporting Act ( FCRA ) is in place to promote accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is adversely affecting my good name, character, and ability to qualify for new credit. As a consumer, I have the right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. I kindly request the immediate removal of this account from my credit report and ask that you provide me with a copy of my updated credit report reflecting the removal of this account upon completion.
Enclosed with this letter, you will find a copy of my Identity Theft Report, which provides supporting evidence for my position. Additionally, I have included a copy of my credit report highlighting the fraudulent items related to your company, which are a direct result of identity theft. Please note that any unrelated information in the enclosed documents has been redacted. You will also find a copy of the Notice to Furnishers issued by the Federal Trade Commission, outlining your responsibilities as an information furnisher to CRAs under the Fair Credit Reporting Act. This notice specifies your obligations when you receive notice from a CRA, under section 605B of the FCRA, that the information you provided may be the result of identity theft. It is crucial that you cease providing inaccurate information to any CRAs and refrain from selling or transferring the fraudulent debts to another party for collection.
Furthermore, I believe that Jefferson Capital Systems , LLC, as the furnisher of this information, and XXXX as the credit bureau, are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly ask for the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 08/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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C/C TO C.F.P.B. In the court case referred to above, the Federal Trade Commission alleged that Jefferson Capital Systems , LLC violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ).
( See Federal Trade Commission v. XXXX XXXX and Jefferson Capital Systems , LLC, Case XXXX XXXX. Ga. , 2008. ) Is it conceivable you could get your company to remove this unlawful, and illegal stain off my credit report concerning account number? In nearly 50 plus years dealing with any companies, I have never been so victimized and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from.
I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear from you to make an informed decision about your claim that I owe this money. I am extremely distraught that your companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and under dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours. Your company has violated federal law in its dealings with me. Your company has forced me to report your company to our government agencies, and I have given them revelations to your violations, and using unfair, and the illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me by implementing a deceptively with your quixotically unlawful assault on my character. The last time I talked to your company an employee made a racist statement stating, You people never pay your bills! Really? This is very disrespectful, and a direct degradation of my personality with unwarranted racist undertones expended by this individual. I do not comprehend this, or grasp this on any level. I have never ever been talked to, or talked down to like this in my entire life, and I was reared doing the Civil Right Movements. This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. I will make sure every V.A. Associations aware of your company unprofessional and racist ways, and I am prepared to inform folks about your company on all social media sites. I just now researched this company, and you all are notorious for lowballing customers, using derogatory, and racist languages to XXXX. XXXX XXXX is XXXX and gone ; however, the ghost of XXXX XXXX is alive and well. Currently, I have to deal with his nephew and niece, XXXX XXXX XXXX XXXX, XXXX. I would welcome the opportunity to discuss matters further and to learn of how you propose to prevent a similar situation from recurring. I eagerly await hearing from you.
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
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Jefferson Capital SystemsTo Register a Complaint : Mailing address : XXXX XXXX XXXX, XXXX. XXXX , XXXX MN XXXXPhone Number : XXXX ( toll free ) Email : XXXXXXXXXXXX XXXX, 2015Re : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. XXXX Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015.
Since you now have acquired this inaccurate disputed account. I have never been notified by Jefferson Capital System of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid.
Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Please attach copies of the following documents:1. Please provide payment history.
2. Copies of Disputed Inaccurate Billing Statements - XXXX XXXX. Agreement with your client that authorizes you to collect on this alleged debt.
4. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.
5. Complete payment history on this account, to prove that the amount you wish to collect is accurate.
Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The Fair Credit Reporting Act ( FCRA ) is a federal law that details how consumer credit information can be collected, given out, and used. Under the FCRA, consumers have a right to view information in their credit file and dispute inaccurate information. TheFederal Trade Commission, FTC, publishes the full text of the FCRA.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay JEFFERSON CAPITAL SYSTEMS.
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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In XXXX we received a loan through XXXX XXXX.
Recently, we received a summons to district court ON BEHALF of Jefferson capital systems LLC from their attorney XXXX XXXX XXXX.
Apparently, XXXX XXXX sold our debt to Jefferson Capital Systems LLC without notifying us or obtaining our written consent. We have not received any notices, letters or any form of communication from any creditors instructing us that our debt has been sold or purchased and have not been given any chance to pay our debt or instructions on how to do so nor have we received any documentation stating that they are in fact authorized to collect on behalf of our original loan servicing company XXXX XXXX nor have they provided any original documentation with our written signature. The only documentation that we have received from Jefferson Capital System LLC states that in XXXX we received a loan. This document also says that our loan has been paid in full and has what looks like our signature dated XX/XX/XXXX for {$7000.00}. The only other documentationJefferson capital systems LLC has provided attached to the court summons is a document that states that its from XXXX XXXX and is dated for XXXX. This document is a copy and has an electronic signature. This signature is not my signature nor did I release anyone to sign electronically for me or to use my likeness on any form. I am requesting that Jefferson Capital Systems LLC provide proof that they are authorized to use my likeness and/or sign electronically otherwise this is a forged signature and I am treating this document as fraudulent which is a predatory lending practice. On our credit report it says both XXXX & XXXX loans are CLOSED. Jefferson Capital Systems LLC has not contacted us in any regard other than to issue a summons to court stating that we have 20 days from the date of this letter to respond or they will move forward and consider all charges true and valid. We were not notified nor were we aware that our loan was sold to Jefferson Capital LLC until we received a summons from their attorney XXXX XXXX XXXX to appear in district court to pay the amount of the loan {$8000.00} We didn't give Jefferson Capital Systems LLC permission to purchase our loan nor does XXXX XXXX have permission to sell our loan. And none of the documents provided state anywhere that by signing we release them to sell, purchase, gift or transfer our loan to another creditor. The only documents Jefferson Capital Systems LLC provided do not have our signatures on them they are copies.
When my husband lost his job in XXXX due to the pandemic. We reached out to XXXX XXXX for a loan modification to lower the monthly amounts. XXXX XXXX finally responded back to us in regards to our request for a loan modification after an inordinate amount of time stating that the person who had been working on our loan modification was no longer with XXXX XXXX and that they are sorry that it's taking so long. when I called XXXX XXXX they told us not to pay because a loan modification was in progress. The next thing I know our loan was just placed into collections. Upon further scrutiny apparently our debt had been sold more than once without us having ever received any notification other than a letter from indebted stating that it's for XXXXXXXX XXXX XXXX.We have not received anything from Jefferson Capital systems LLC and they have made no attempts to contact us at all except for a the court summons.
|
| 04/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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On XXXX XXXX I sent jefferson capital systems a certified verification of debt letter. I have recieved no response thus far.
I would like help on what I need to do next.
this is the letter that was sent ...
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern, I am sending this letter to you in response to a notice I received from you on ( XXXX/XXXX/2016 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 11/16/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was sent notification from a debt collector know as XXXX who was collecting on behalf of a company by the name of XXXX XXXXXXXX indicating that they had purchased the loan that was not in a status of collection after the original creditor XXXX XXXX went into tax forfeiture for failure to pay taxes and whose status of forfeiture has been confirmed by the the Office of the Secretary of State of Texas. XXXX, was forwarded a Cease and Desist Notification upon the entity giving notice to the consumer that they were collecting on a debt that was never in default to the original creditor. The original creditor gave no notice that XXXX was assuming the loan as a collection agency where there was a brief of contract on behalf of the XXXX XXXX. The initial correspondence received from XXXX was received by the consumer via email which is a compromise of the Service of Process Rules as a cited under Rule 21 of the Texas Rules of Civil Procedure and that notice of a change in ownership for the loan was not properly serviced upon the consumer and the loan amount attempting to be collected was far greater than what was owed. On or about XX/XX/2020, the consumer received notification from a company by the name of the Jefferson Capital Collections who sent notification that their company had purchase the loan and that the consumer was now indebt to their company where the loan about was even more inflated than it was with the previous collector, XXXX.
On or about XX/XX/2020, the Consumer contacted Jefferson Capital Collection Agency via a recorded telephone conversation and spoke with one of the Managers for the collector who was informed by the the consumer that they were in dispute of the debt and opposed any affiliation with a third party servicing this loan because the original creditor did not have the authority to pursue any business in the State of Texas due to their failure to satisfied their Corporate Franchise Tax Obligation, essentially barring their authorization to conduct business within the state of Texas because there is records that indicate that they were in compromise of the Texas Tax Code Rule 171.
The Manager who identified herself by the name of XXXX, was explained the circumstances of the changes of ownership and the consumers opposition with the amount being collected as well as provided the information confirming the forfeited existence of the original creditor and was asked to cease and desist their collection attempts. The Manager by the name of XXXX assure the consumer that the account would be removed from his consumer credit report on or about Sunday XX/XX/2020, and that any further actions regarding the referenced account would have to be addressed directly with XXXX. The Manager stated and asked that the consumer permitted here to notify the credit bureaus that their company would not be pursuing any collection attempts on this account and would cease and desist all collection attempts as the consumer had requested as authorized under Public Law 104-208.
However, on Sunday,XX/XX/2020, Consumer accessed his credit profile to notice that Jefferson Capitol reneged on their promise to remove the collection from the consumers credit report and even added the account to other reports which resulted in the consumer losing more than 60 points on his consumer credit score as a result.
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a collection account a debt this company says I owe in the amount of {$1400.00}. With XXXX XXXX. I have tired to go to this companies website to see if I could look up this account but when I enter my information, I get a message that, Unfortunately, your account can be accessed with the information provided. Check to be sure you entered the information correctly. If you are unable to access your account, please call XXXX for further assistance. Thank you.
I do not want to have phone contact with you. I entered in my information correctly. If this is a correct debt, my information should load an account. So, I have doubt the information is valid.
I need full debt validation so that I can be fully informed, if it can not be provided this item should be deleted from all consumer credit reporting agencies.
I would like details about your authority to collect this debt.
How did you obtain this alleged debt?
Please send verification of proof that you are able to collect this debt. Do you have a license in my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
|
| 06/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX consumer credit monitoring service XXXX XXXX alerted me to a new collections account being added to my credit report. ( see attachment 'Added to my credit report ' ) On XX/XX/XXXX I called Jefferson Capital via telephone to request Validation in accordance with the FDCPA. I never received any correspondence in regard to my Validation request.
Then again on XX/XX/XXXX, I called Jefferson Capital again but on a recorded line to re-request validation where I was told validation would be sent out in the form of a certified copy of the original contract. ( see attachment XXXX ) I never received validation in accordance with 15 U.S. Code 1692g ( a ) ( 1-5 ). Jefferson mailed on XX/XX/XXXX a document that states they received my dispute but are unable to resolve my request and requested additional information i.e. SSN, Account number, Dollar amount of debt, etc. ( see attachment Validation response.pdf ) On XX/XX/XXXX I moved from the address where the initial mailing correspondence transpired due to private internal family matters.
On XX/XX/XXXX The Sheriff/Constable delivered, unbeknownst to me as the initial address for correspondence with me was no longer my place of abode plus my father and I were not speaking, a 'Return of Service XXXX which shows clearly that I was not the recipient of my private and personal information/documents and in fact, the recipient was my estranged FATHER. ( see attachment XXXX XXXX XXXX ' ) and see attachment XXXX XXXX XXXXXXXX ' ) - according to UCC 1-202 . Notice ; Knowledge.
a person has " notice '' of a fact if the person has actual knowledge of it ; or has received a notice or notification of it ; or from all the facts and circumstances known to the person at the time in question, has reason to know that it exists.
On XX/XX/XXXX Jefferson Capital mailed my employer a 'Service of Process Receipt ' for a 'Garnishment Order ' that was subsequent to an 'Order of Default Judgement '. ( see attachment 'XXXX XXXX ' ) I have been unlawfully sued and garnished in the total amount of {$9500.00} ( see attachments XXXX and XXXX from my employer manged self-service HR portal ) due to these unlawful actions against me. Debt collectors have 5 days to respond to a request for validation of a debt. This is because the FDCPA requires debt collectors to provide validation information " promptly '' upon the first communication with the consumer. The 5-day period begins on the date of the first communication which was XX/XX/XXXX. Also, I called and requested validation in accordance with the FDCPA twice with one of those being on a recorded line, and was never provided with proper or any type of validation in accordance with the FDCPA, If a debt collector fails to respond to a request for validation within 5 days, the debt is considered invalid and the debt collector can not continue to collect it.
The debt was never properly validated in accordance with the FDCPA at my request.
The process server ( Sheriff ) did not serve me, so I could not have known or had knowledge about the action against me.
The debt collector moved forward in getting a default judgment against me without my knowledge of a complaint/lawsuit.
Then I was subsequently garnished due to a lack of disregard for the processes put in place to protect me from predatory practices like these.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
What would be a fair resolution to this issue?
DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE. PLEASE SEND SEND OR DELETE : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. ( 4 ) ALL associated tax forms as required by law, including all 1099XXXX, W9s, etc. from the inception of this alleged debt. ( 5 ) Proof of claim in corresponding Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. ( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in advertisement or statements of part ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
After being personally harassed in public with witness 's and an insane amount of harassing phone calls and voice mails for years all of which are recorded and documented and have police reports, death threats, vandalism to my vehicles, stalking at public malls and eateries and being chased on them freeways with erratic behaviour this is going to court soon.. I have 13 affidavits on harassment and stalking in XXXX XXXX from eye witness 's while I was being treated for XXXX XXXX XXXX therapy.. These people are XXXX XXXX XXXX XXXX that break the law all day long to try to extort money from people. We have gone to the FBI in XXXX XXXX in XXXX case and 4 different police departments have reports and the complete file on this XXXX! On XX/XX/XXXX I paid an agreed amount of {$2300.00} to pay the account in full.. I have the letter from them and a copy of the cashiers check from XXXX XXXX Bank. Shortly after paying them they abruptly canceled the pay off and began harassing and stalking me and my wife at malls and restaurants in order to collect the balance of what the original collection amount was at XXXX I have all of the records from XXXX for harassing calls and voicemails plus an affidavit from them stating the times and dates of call after call minutes apart daily for years!
This is not going to end well...
The company Unpaid as billed is : XXXX XXXX XXXX XXXX, Dept # XXXX, P. O. XXXX XXXX XXXX, Texas XXXX They work in conjunction with the REAL Culprits in all of this ; Jefferson Capital Systems , LLC their phone number for everyone to see is : XXXX
I have an attorney now gathering additional information from others that have collection accounts for a Class Action Civil Law Suit XXXX XXXX XXXX XXXX XXXX. XXXX, Minnesota XXXX Also involved ; XXXX XXXX XXXX.
XXXX XXXX. XXXX XXXX, XXXX, Illinois XXXX also involved ; XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX with an added address of ; po box XXXX, XXXX, Iowa XXXX
I am adding that a legal name change in XXXX of XXXX for inheritance purposes back to my birth name of ; XXXX XXXX XXXX, from my stepdads given name of XXXX XXXX XXXX I paid the bill in full as stated on the bill from XXXX XXXX XXXX XXXX prior to this legal name change on XX/XX/XXXX, XXXX Afterward knowing full well who where I am as my phone number never changed nor my address they began the same harassment again fo years now!!
I am getting ready to file a XXXX dollar civil law suit that involves over 30 witness 's on my behalf and over 13 affidavits showing clear proof of the harassment in calls, in person, license plates and cars stalking me on video with all proper accompanying police reports. We are also going to the bonding agents for these companies in California to seek revocation of bonding and licensing to do business in California.. The California Attorney Generals Office has the full file also ... These are illegal activities on going for years that amount to Extortion on every level abd it can abd will be proven.. Jefferson Capital Systems , LLC caused the failure and sale of a pool cleaning business I owned in XXXX XXXX XXXX Ca. in XXXX and XXXX costing me personally XXXX 's of thousands of dollars.. 7 Years of Non- Stop harassment, XXXX, XXXX, from these primitive Apes that can't spell their own names!!
|
| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Between XX/XX/XXXX & XX/XX/XXXX ( there are no credit reports available to me between those dates for an exact date of the following ), an erroneous {$450.00} amount past due should up on my XXXX & XXXX credit reports. The erroneous creditor was XXXX XXXX - XXXX & the reported erroneous opening date of the account was XX/XX/XXXX. At that time, both my XXXX & XXXX credit scores dropped from XXXX to XXXX. There was also an erroneous hard inquiry by XXXX XXXX - XXXX on my XX/XX/XXXX XXXX, only, credit report. There was also an erroneous XXXX XXXX address listed as one of my past home addresses on both my XXXX & XXXX reports at this time. I assumed the address error was related to the past due error as I HAVE NEVER LIVED IN XXXX XXXX ; HAVE NEVER PURCHASED A SINGLE ITEM OR SERVICE FROM ANY XXXX XXXX ; & TO THE DAY OF SUBMITTING THIS CURRENT COMPLAINT, HAVE NEVER RECEIVED A SINGLE CORRESPONDANCE FROM XXXX XXXX. ( For the record, I have lived at my current address since XX/XX/XXXX. ) At the time all of this showed up on my credit reports, XX/XX/XXXX, I reported all of this to Consumer Financial Protection Bureau, XXXX XXXX, XXXX, & XXXX. There are no XXXX or XXXX credit reports available to me between XX/XX/XXXX & XX/XX/XXXX for an exact date of the following, but as of the XX/XX/XXXX credit reports, the XXXX XXXX home address was removed from both of my credit reports ; the XXXX XXXX account remained on my XXXX report as Previously Disputed, but closed ; & on my XXXX report as 1 Missing Payment, but closed. And, both my XXXX & XXXX credit scores went up from XXXX to XXXX. This XXXX XXXX - XXXX record was completed deleted between XX/XX/XXXX & XX/XX/XXXX on both my XXXX & XXXX credit reports. And my XXXX credit score went up from XXXX to XXXX & my XXXX credit score went up from XXXX to XXXX. Around this time, I received a notice from a collection agency stating if they did not hear back from me within 30 days, they would put this same XXXX XXXX - XXXX collection on my credit report. Because this account had been marked as closed on both my XXXX & XXXX credit reports for almost two full years & removed completely for both of my credit reports by the time I received this correspondence, I assumed this notice was a fraudulent scammer trying to get my personal information to steal my identity ; so I shredded this notice. Then, on XX/XX/XXXX, this erroneous collection from XXXX XXXX - XXXX was once again reported on my XXXX, only, credit report by XXXX XXXX XXXX. And, my XXXX credit score dropped from XXXX to XXXX ; while as it should, my XXXX remained at XXXX. A person does not consistently earn a high 700s or 800+ credit scores at XXXX-years-old by not paying their legitimate bills & the one legitimate collection on each credit report was for medical services for which as soon as I was physically able, I paid in full as noted on my XXXX credit report!
Please Note : I have no documents to attach because as noted, above, I HAVE NEVER PURCHASED A SINGLE ITEM OR SERVICE FROM ANY XXXX XXXX ; & TO THE DAY OF SUBMITTING THIS CURRENT COMPLAINT, HAVE NEVER RECEIVED A SINGLE CORRESPONDANCE FROM XXXX XXXX & shredded the notice, now assumed to be from XXXX XXXX XXXX believing it to be from a fraudulent scammer trying to get my personal information to steal my identity.
|
| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : JEFFERSON CAPITOL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 10/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This letter is being sent to you in response your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any signed papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
|
| 09/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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On or about XX/XX/2018 I received my annual credit report from XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from XXXX XXXX XXXX ( partial acct # XXXX ) in the amount {$950.00}. On or about XX/XX/2018 I drafted a letter to XXXX demanding the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of XXXX XXXX. Said letter was send via facsimile to XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). I also contacted XXXX XXXX and demanded any contractual documentation from the original creditor. XXXX XXXX told me that no such documents exist and that they go by social security numbers to which I explained the lunacy of their explanation to the rep. On XX/XX/2018 I received an email from XXXX stating the dispute was completed and that I could get my results online. After many frustrating attempts to obtain the online results to no avail, I called XXXX on XX/XX/XXXX and was told that they are having problems with their system and gave me the results over the phone. XXXX deleted all of the items I requested in my XX/XX/XXXX letter except XXXX XXXX, which I was told came back verified. I told XXXX that was an impossibility because it is not my account so any verification is not accurate. The XXXX representative recommended re-disputing the XXXX XXXX account using their online dispute center. As XXXX XXXX online system was having issues, the representative filed the online dispute from their location, asking me a what basis of the dispute, which I again responded was not my account. On XX/XX/2018, a day after XXXX filed the online dispute, I received an email from XXXX stating the dispute was completed and to go online to get the results. A copy of said email is attached. True to form, after several failed attempts to retrieve the result information online, I called XXXX and received the same nonsense story about the system not working correctly, once again received the XXXX XXXX dispute result over the phone, and once again XXXX said it is verified. I explained to the XXXX rep that a proper investigation into a dispute can not be done with a 24 hour period as was done here where XXXX is obviously relying on XXXX information, which always favors the the collection agency, which is a client of XXXX, rather than the consumer. The rep said I should dispute the account with XXXX XXXX directly. I responded that it is not my responsibility to do what is deemed XXXX XXXX responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX would have to do is demand from XXXX XXXX any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can give them no supporting documentation as there is none to give.
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| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from JEFFERSON CAPITAL SYSTEM Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ {$1200.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA.
Sincerely, XXXX XXXX XXXX
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| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Jefferson Capital, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
>If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from.
>Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor.
>If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor.
>If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
>If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
>If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
>Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims.
>I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
>If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I had my identity stolen in XX/XX/XXXX 2007. In less than a month 's time the ID thieves in XXXX, ( Im in XXXX ), bought XXXX top line XXXX COMPUTERS @ {$3000.00} each. Also a few other smaller checks for random items, accounts, etc. On about XXXX XXXX, 2007 I finally get a XXXX Bank postcard stating my check for {$3000.00} had bounced and already began the computer 's process of double charging the overdraft fee, then the fee for that, which lead to more overdraft fees. XXXX was of no help with the problem, in fact they were " shady '' about it. I called several times only to be mocked, laughed at, and literally called a liar. Even though copies to every check & transaction I had ever done with them was available anytime for my viewing- they refused me any information, viewing, what the large amount paid for ... NOTHING. This was all witnessed by officers at the XXXX Police Dept as my final call to XXXX about this was in front of them so they could listen. The representative mocking my call and handwriting changes his tune when a Detective took phone from me and politely tore into his unprofessional behavior and that ID theft reports had been filed ; investigations started. So there 's more but I 'll cut to where this strange collection letter comes in. For over a year now I have begun receiving NEW debt collection letters XXXX XXXX XXXX XXXX XXXX XXXX behalf of a Jefferson Capital Systems , for the old, fraudulent, closed and erased from XXXX Bank 's system, debt! They have the amount of {$920.00} as the total, then proceed to coax me in by asking for a mere {$180.00} within 28 days and they 'll forgive the whole thing. BUT, there 's fine print stating that once I do acknowledge them and even offer a payment, not make a payment, but offer- that will put me back in the clear to be sued, and start the debt 's full amount over again like new! I am blown away, first off- the debt was never theirs to forgive, it was a mistake in XXXX Bank 's system, which has been completely erased therefore already forgiven, because obviously they do n't want any records of it to be accessible and do n't want to ever have it brought up- ( possibly in court or elsewhere ). A XXXX branch manager about 7 months ago searched extensively throughout their archives/database and current systems for anything on that former account with them or my name even, turn up nothing at all. Like it never existed even asked me if I was sure I banked with XXXX back then! It 's not on my credit reports, XXXX definitely is n't pursuing this and so bottom line- Who the heck do these shady negotiating debt swindlers think they are?! I 've had it with them! I will not contact them directly, as why I listed above. And I surely wo n't be paying for a debt I did n't even cause, to these people to pocket every bit of it! Which is exactly what they 'd do because why would XXXX want it? I do n't exist to them anymore. And on a side note, I 've read about the FTC already coming down on these XXXX companies for fraudulent acts, especially Jefferson Capital, so I think the FTC needs to know that the XXXX & XXXX games have n't stopped, their just changing up their strategies starting with their debt letters approach on people.
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| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; Phone Number : ( XXXX ) XXXX is a fraudulent company. They have picked up XXXX of my accounts from INCREDIBLY old debts, ( too old, closed & falling off of my credit report ). They post them with false dates claiming the accounts are less than XXXX years old! They have dragged my credit so far down, after I spent years rebuilding it!! I have reported them to the three major credit Bureaus for review several times but never had any luck with that method. Not to mention, if I didn't actively monitor my credit, I would not have even known about them because they NEVER called me, NEVER sent a letter in the mail or anything!! They are liars, who hide essential information & they are destroying all my hard work to repair & rebuild my credit for both my family 's future & my business!! First One, currently dragging my credit down, ( fraudulently ), is from the original creditor : XXXX XXXX XXXX. I opened an account with them on XX/XX/XXXX. This is also on my credit report but as " Closed '' with a {$0.00} balance as of, XXXX XXXX, XXXX. Years later, XX/XX/XXXX, Jefferson Capital System suddenly appears on my credit report. Claiming the account was opened with them on XX/XX/XXXX. They also update it every month, falsely claiming I have failed to make agreed payments with them since XXXX! They NEVER even contacted me, EVER, in any way. Yet they have the most recent update on, XX/XX/XXXX, with a balance of {$2500.00} & these negative remarks, ( alongside the alleged 5 years of failed payments ), " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department ''!! I'm furious!! SECOND ONE, same company, JEFFERSON CAPITAL SYSTEMS, same fraudulant dates & NO ATTEMPTS to contact me by phone, mail & XXXX other means. The XXXX creditor : XXXX XXXX, claimed to be opened on XX/XX/XXXX, most recent update on, XX/XX/XXXX, with an alleged balance of {$1400.00}. Same deal with the negative comments stated as, " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' but with 3 years of non payment. ALSO, IT APPEARDED RANDOMLY ON MY CREDIT REPORT THE EXACT SAME DAY AS THE PREVIOUSLY MENTCHIONED ONE!!! ( XX/XX/XXXX ) This account is even more baffling to me as I have no account from XXXX XXXX, I was on someone else 's plan YEARS ago, but XXXX never even tried to attach the account to my credit & as far as I know, it was paid in full due to a promotion to switch carriers from XXXX to XXXX back in XXXX I believe? ( Not 100 % on that date, as it wasn't in my name & I don't have anything to officially look back on to find the exact date. Regardless, in both cases, Jefferson Capital Systems never tried to reach out to me, therefore, I never made any agreements to pay them anything, the dates & payment histories, etc. are all wrong. I owe them NOTHING. Just as I owe XXXX XXXX & the account, I had with XXXX is over XXXX XXXX XXXX & had been closed for years before Jefferson Capital Systems appeared on my report, ( oddly both, XX/XX/XXXX ... after my information got leaked from two different companies. )
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| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX originally reported this account as a collection/charge-off which is fine. However this account was sold to Jefferson Capital Systems LLC according to their comments for XXXX. This means they cant report a duplicate account. If the account is sold then they should have removed it from their profile so I wont get dinged from them and Jefferson Capital. They never removed this account which I tried to illustrate to them. On top of that the account is reporting inaccurate and inconsistent information that violate my FCRA rights. I noticed XXXX XXXX had a discrepancy in the " high credit '', " date of last activity '', date of last payment '', date opened '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. XXXX and XXXX are showing my " high credit '' balance as {$10000.00}, however XXXX is showing it as {$8800.00}. If this is the same account, reported by the same creditor how are these numbers and dates different?
I also noticed JEFFERSON CAPITAL SYST XXXX had a discrepancy in the " account type '', " account number '', " date of last activity '', date of last payment '', date opened ', " company name '', " payment history '', " payment status '', " monthly terms '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX is reporting a " date of last payment '' of " nothing '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX and XXXX is reporting a " date of last payment '' of " nothing '' as well. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. Which means that for whatever reason this account was reaged. The company name for this account is inconsistent as it reflects as " Jefferson Capital Sys '' for XXXX and XXXX but is registered as " JEFFCAPSYS '' for XXXX. Im not sure why these abbreviations are being used but it makes this confusing. The " payment status '' for XXXX and XXXX is showing as " collection/charge off yet XXXX is showing as " 120 days '' past due which is a violation if this is supposed to be a collection item. There are " monthly terms '' showing for XXXX which is also a violation because this account isnt reporting as a loan of any type. You have it showing as a ( 1 ) one month term. Finally if this is supposedly a collection account then there should be no " payment history '' showing at all. XXXX and XXXX are in violation as well. The account number is showing inconsistently as well. XXXX and XXXX are showing the " account number '' as XXXX yet XXXX is showing it as XXXX.
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| 07/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I have been working on my credit report diligently and this account is showing as a derogatory collection. I originally tried to purchase a XXXX XXXX, I think it was, from XXXX XXXX in XXXX, Fl. and has since been sold to Jefferson Capital. When I went to pick it up from XXXX XXXX and do paperwork, salesman informed me that something was wrong with that car so he sent it to the shop and brought out a XXXX XXXX instead. I agreed because I was desperate. I had nothing but issues with it and the gap insurance seemed to not cover anything. The car was a XXXX and I took it off the lot in XXXX, I believe. I called service dept several times for different issues and all they would tell me is " XXXX '' won't cover it. The last problem, which I was done dealing with them at this point, was a horrible smell coming from the a/c usage. I paid {$120.00} to XXXX XXXX, ( XXXX, gap ins ) recommended they were closest to me, XXXX, Fl ) for them to fix it and when I got it back it still smelled when using a/c. XXXX would not pay for it. I had the car approximately 4 months. I asked them to come pick the car up and I would like to end the contract. They indeed, picked the car up. I spoke with the salesmen most of the calls I made other than the service dept. This was 3 years ago so I'm sorry, but I can not remember their names. My credit report is showing I owe Jefferson Capital {$15000.00}, which was the ORIGINAL price of purchase, AND they have the car and I paid payments while I had possession and a {$500.00} down payment! These amounts may seem petty to them, but they hurt my pocket tremendously! I spoke with Jefferson Capital and tried to negotiate a fair price, and they did come down considerably but I still don't feel that I owe {$6500.00} ( Jefferson Capital settlement offer ) for a car I had constant issues with and no longer own and ONLY owned for approx 4 months, and XXXX XXXX has been in possession of the car, since XXXX. I should have known they possessed shady practices, when he brought me out a whole different make, model and size of car I originally wanted to purchase but then again, I thought to myself, " at least he was being honest about issues with the original car I chose ''. I think its horrible that consumers are constantly pushed into contracts by unfair and dishonest business practices and there are no repercussions. I know I'm not the only consumer to be duped by XXXX XXXX. I read some of their reviews after the fact. I now read reviews EVERY time I have to make a purchase of something so expensive and even purchases not so expensive. I would be happy to see this account removed from my credit report. It is a huge stumbling block for my future. I wasn't going to report this but I ended up deciding that, I tried to work with both XXXX XXXX and Jefferson Capital to no avail and I deserve this removed from my report. I would like to thank you for your efforts in helping me bring a close to this nightmare. If you have any questions for me, I can be reached at XXXX. Thank you so much for your time.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital XXXX
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| 03/14/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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According to the debt collection agency, they state that this account is valid and I have repeatedly explained and even paid a portion of the debt agreed upon the amount back in XXXX, when they initially referred this debt as past due. I was told that during three weeks when I lived in XXXX XXXX, the " affiliated '' store for XXXX XXXX there, took my original cellular phone and sent it in for repairs as I was to have a local number there, and they were to fix the roaming charges and issues with my phone. Upon receiving my original phone back, they failed to mention that they did NOT in fact fix the roaming charges, nor my phone ( they just unplugged the roaming signal on my phone and returned it to me like it was fixed, I still got charged for the roaming charges and an additional " service contract '' that the representative stated was a release for temporary usage of a down-graded cellular phone till my original phone was returned ). So not only was I charged with my original contract monthly charge, plus the " supposedly fixed and deleted '' roaming charges, but also a whole other monthly contract with another company " supposedly affiliated '' with XXXX XXXX. They finally took away the " supposed '' other account, but it later was balled into the XXXX account that they keep trying to collect funds on. In XXXX, I moved to XXXX XXXX XXXX and got put on a family plan with my now husband, and in XXXX, I no longer had a phone or contract with XXXX XXXX due to a divorce from my ex-husband, whom charged and destroyed a cellular phone that was connected to that account, so between overcharged roaming/monthly fees, I also have an early disconnection of that cellular phone even though it was stated as destroyed in XXXX, the XXXX rep told us that the cost of the cellular phone was to be removed then, but has constantly been applied over and over again as a hidden fee for some charge that I know was not to be added to the contract. I've since been disputing this account several times over, and every time it comes back denied and the " disputed date '' is put in place for the " current balance due date '' making it appear as this account is current and not in fact over seven years old. I just want this account removed and my credit restored as this has been an ongoing fiasco that should have been resolved many, MANY years ago, but it is being reported as a delinquent charge-off on my credit history. I have argued and complained about my service and my monthly billing several times with XXXX XXXX, all the while they kept charging and OVER-CHARGING my account to appease their mistakes. After my divorce, I vowed to never again deal with XXXX XXXX or any companies " AFFILIATED '' with them for their uncontrollable addition of illegal and fraudulent charges to disguise the wrongful actions they have done to the customers and failure to fix or resolve the true issues at hand. All they cared about was getting paid for XXXX service, failing to be cooperative with their customers, and hiding wrongful charges as legitimate fees on the statements to COVER-UP the wrong doings they have done.
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| 06/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2023, I requested that Jefferson Capital provide debt validation on an alleged debt owed from XXXX XXXX XXXX in the amount of XXXX, and the letter was sent certified mail. Within the letter I asked in totality the following documentations without exceptions as stated below in quotation marks.
" I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023, and identified the debt as XXXXXXXX XXXX XXXX in the amount of {$480.00}.
As a result of this outreach, I am requesting you to provide me with a validation of the debt that was highlighted in the letter previously sent. This is not a refusal to pay, simply my notice that your claim is in dispute and that validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). '' As a result of this dispute, I need more information regarding this debt. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement with my signature that created my original requirement to pay?
Also, during this verification please supply me with the following information.
The amount and age of the debt, including : State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
A signed contract ( i.e., HIPAA release form ) that bears my signature with the original creditor that transferred to your agency when purchasing the debt.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. '' On XX/XX/2023, I have not received these documents as requested yet I received notification that Jefferson Capital has reported this account on my credit report without proper validation of the debt belonging to me, thus violating my Consumer Rights.
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| 11/29/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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XXXX : Disputed {$430.00} XXXX debt goes to collection, reported as of XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, assigned to collect, reports debt new as of XX/XX/XXXX When I learned of the XXXX XXXX XXXX XXXX XXXX . collection, I began disputing the debt as to their date of reporting. Over the next two-plus years, they continued to report the debt as if it were started in XXXX.
The credit bureaus allow the collection companies to report the date that they receive the debt, to be the new, " placed for collection date ''. By changing the reported date, it makes a debt appear as if is brand new. The original date was to remain on the credit report as well. This has not been the case.
In my circumstance, it appears that XXXX XXXX may be using XXXX XXXX XXXX XXXX XXXX, as it's agent, to extend the SOL or force a settlement. Someone has found a work-around.
If each time a collection is resold, the " placed for collection '' date is changed, the credit report will take a substantial hit.
A debt in collection that is 3 years old, is now showing on your credit report as a new collection, dated last month.
After XXXX XXXX XXXX XXXX XXXX starting reporting the collection debt as if it were created three years after incurred, creditors began to decline loan applications. They were specific to the new collection. When I disputed the information, both the credit reporting agencies and the XXXX XXXX XXXX XXXX XXXX were adamant in keeping with the date.
Over the past two-plus years, I have been unable to refinance or obtain a loan at any rate less than 75 %. Credit card advances are the lowest interest of my loans, however, it tends to increase my total card useage. Still, I have maintained a 100 % payment history with all of my credit obligations.
My claim today is that, XXXX XXXX XXXX, XXXX, FRAUDULENTLY, " verified as accurate '', on multiple occassions, that they were the owner of the disputed debt, and during the period, THEY HAD IN FACT SOLD THE DEBT to another collection company.
XXXX XXXX XXXX XXXX XXXX does not own the debt.
I request that XXXX XXXX XXXX XXXX XXXX, and any and all information related to them, be removed from my credit history and, that any entity that was provided with my credit report information during the time that XXXX XXXX XXXX XXXX XXXX was not the debt owner, be notified of their fraud.
XXXX XXXX XXXX XXXX has owned the debt prior to XX/XX/XXXX, and was the owner during the last disputes.
Note : The current collection company, XXXX XXXX XXXX XXXX, has sent several " reduced balance opportunities '' that state, " Our client has advised us that they are willing to satisfy your account for ... ... % of your total balance to due to satisfy your past balance total ''. The offer amounts vary with a 40 % of account balance reduced balance of {$170.00} on XX/XX/XXXX and another with a 30 % of account balance reduced balance of {$130.00} on XX/XX/XXXX.
If this XXXX XXXX, XXXX does indeed own the debt, and the credit reporting agencies are to be relied upon, then this offer could never have even considered.
End Note.
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| 01/21/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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1. Respondents failed to rebut, answer, respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce.
2. Respondents failed to rebut, answer, respond to Default Judgment and Declaratory Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, and USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce.
3. Respondents failed to rebut, answer, respond to Summary Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce.
4. Respondents failed to rebut, answer, respond to Final Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce.
I, XXXX : XXXX XXXX XXXX, hereby affirm that, I have never been presented with any sworn affidavits that would provide validity Respondents assessment, verifiable proof of claim. It is my best and considered judgment that no such paperwork or affidavit exists.
I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents failed to validate, verify, or provide proof of the claim, alleged debt.
I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents do not have any legal right to attempt to collect this debt, thus they need to remove the listing from credit report ( s ), and record, for the public record.
I, XXXX : XXXX XXXX XXXX, hereby affirm that, I will notify the credit bureaus of this fact, if Respondents still reports the debt.
I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents failed to respond in this matter and are in violation of federal law and they do not have any right to try to collect the debt.
XXXX : XXXX XXXX XXXX is an XXXX woman, above the age of XXXX.
XXXX : XXXX XXXX XXXX is the rightful Entitlement Holder of [ XXXX XXXX XXXX ] ESTATE.
XXXX : XXXX XXXX XXXX is the holder in due course of [ XXXX XXXX XXXX ] ESTATE.
XXXX : XXXX XXXX XXXX is the Authorized Representative, executor, and sole beneficiary of said certificate of title [ XXXX XXXX XXXX ] ESTATE via an International Irrevocable Trust Agreement.
XXXX XXXX XXXX is the Grantor & Owner of Record/Holder of Legal Title.
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| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Jefferson Capital Systems has been harassing me for over a year to pay a debt I do not owe. I have responded by mail several times in the last year after receiving these notices. Jefferson Capital Systems has no record of me disputing this debt. They are not receiving my written notices and continue to mail me statements to pay or dispute it. The debt is {$2000.00} and was sent to this debt collector from XXXX for a cell phone service I never had. The debt collector Jefferson Capital Systems purchased the debt in XX/XX/XXXX. Since they purchase the debt they have been sending me letters by mail and calling me repeatedly multiple times a day. I called them today XX/XX/XXXX to report this debt as fraud. They told me records show this is a legitimate debt and offered me a pay for deletion amount of {$920.00} if paid by XX/XX/XXXX. I told the agent I would call XXXX to verify the legitimacy of the debt. I called XXXX and was told they could not disclose any information to me about the cell phone account since the debt for the account had been sold to the debt collector Jefferson Capital Systems along with all the records. The debt collector isn't providing me any information for me to validate this charge is legitimate. I have expressed to the debt collector and XXXX this account is fraudulent or completed without my consent. Both companies are unwilling to provide me the signatures, dates, times, or where the original order for services was placed with my consent or signature. This leads me to believe they do not have any records to confirm the debt is legitimate and not fraudulent. They continue to say it is legitimate without providing me proof. I am not willing to pay for a debt I am unable to confirm. I have had XXXX XXXX XXXX XXXX for my cell phones and use to use prepaid services before that through a government assistance program. I am concerned someone placed an online order for services using my information in XXXX of XXXX. I am not able to confirm if this happened since XXXX or Jefferson Capital System can not tell me where, when, and how the services were signed up for. If the order was placed online and without my consent and someone was paying the bill, this is a fraudulent purchase. I can provide proof that I was using a government funded cell phone in the year XXXX, I have a food stamp letter when I was using the assistance programs. I can also provide proof of how long I have had my XXXX XXXX. I have never provided a signature or entered a XXXX XXXX to make a purchase using my banking card. Please help me get this removed from my credit report or at least help me in getting the debt collector to give me proof this charge is valid, when and where was it signed up for, how was my information used, so that I can file a police report and start the process of identity theft. I am not sure since it was done back in XXXX what my options are to report to authorities due to statue of limitations but I will do whatever it takes to prove this account was not created or given consent by me. Thank you for your help!
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| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am filing this complaint against XXXX XXXX XXXX and Jefferson Capital System violating my rights under the FRCA and FDCPA. I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX. As a consumer according to the Attorney Generals Office claimed that XXXX XXXX XXXX subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default.
I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC. Against XXXX XXXX XXXX and Jefferson Capital System : Account # XXXX or XXXX. If they dont delete these items from my credit report for the violations to forwarded it to them. So, they can file legal actions.
This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; XXXX XXXX XXXX Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with XXXX XXXX XXXX XXXX XXXX resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that XXXX XXXX USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default.
Under the terms of the settlement, XXXX XXXX XXXX will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers.
Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office.
I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit.
I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint is in respond to Jefferson Capital System LLC attachment on XX/XX/XXXX.
You should also inform XXXX XXXX XXXX that there charge off be removed from credit report under there names this is under terms of relief for the consumer : engaging in credit repair for affected consumers.
Please remove these items with every CRA asap. Also send me a letter from both Jefferson Capital System and XXXX XXXX stating it will be removed.
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| 01/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This debt was from XXXX I ordered wi-fi and I live in XXXX XXXX CA I was not able to get good connection I returned their equipment ( this was at least 12 years ago. I was not aware that I had a contract and never received any bills. I was going through a horrible divorce x-spouse XXXX XXXX SS # XXXX ruined my credit by not paying credit cards and other debts that judge had ordered him to pay ( divorce lasted XX/XX/XXXX- XX/XX/XXXX ) I got XXXX and was in XXXX 30 days at XXXX XXXX Hospital XXXX Ca ) he cancelled my health insurance. I used to be a XXXX and financially dependent in our marriage until I had a child in XX/XX/XXXX then he became XXXX XXXX and verbally at the time I was a homemaker since the birth of my child. The only reason he had any finances was that while I was a XXXX I encouraged him to get a contractors license he did and I set him up in a XXXX XXXX ( XXXX XXXX XXXX ) it became successful that is because I ran it, then after the birth of my child he suggested that I stay home that is why I became a XXXX. I became financially destitute during the divorce he did not pay the family monthly allowance the judge ordered him to pay. After the divorce I wanted to purchase a home and was denied a loan I checked my credit report it was ruined, I hired XXXX XXXX to help take off the credit that did not belong to me, they did an excellent job. I am now disputing a Jefferson Capital XX/XX/XXXX and that it originally came from XXXX which I do not owe any money the amount is {$310.00}. I have disputed this item with XXXX and they still are showing it as a collection debt which it should not be and even if it was my debt it should have expired it has been I did have an account with XXXX XXXX and the wi-fi did not work so I returned their equipment and never received a bill from XXXX and this was well over twelve years ago and would have expired.
If I owed them money how come I am able to get an account for cellular with them acct # XXXX. I am filing a dispute with XXXX because instead of deleting this collection after I gave them the information I am sending you they updated the collection which decreased my Fico score. I apologize for such a long explanation. I hope you can help me because right now I am on a fixed income I only get SSI benefits {$940.00}. monthly ( I have bi-polar which escalated because going thru that horrible divorce ) I am trying to build up my credit XXXX said I could if I showed them my bank statement showing I pay rent, utilities and cellular bill. I have a payee for SSI and the bank account is in his name XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX the acct is XXXX XXXX XXXX # XXXX. If you can give that information to XXXX or tell me how I can ( they have been so unpleasant to deal with ) that I really do not want to contact them. Thank you very much for letting me file a complaint against them because I think they are not working effectively with consumers. Thanks again XXXX XXXX if you need to contact me my email is XXXX XXXX
|
| 10/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
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Web |
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Upon reviewing my credit report XX/XX/2016, I saw a collection account for Jefferson Capital Systems whom the original creditor of XXXX sold the account to for collections. I sent a letter to Jefferson CapitolSystems at the address listed on my credit report, which is supposed to be accurate information being reported to/by the credit bureaus. The letter was sent certified XX/XX/2016 and signed on XX/XX/2016 by XXXX XXXX XXXX. The letter stated that they had the required 30 days to verify and send me documentation of the accused debt that I was disputing as per FDCPA and FCRA. I waited the required 30 days from the date my letter was received at their office. I never received reply of verification of accused debt by Jefferson Capital Systems. Per FDCPA 807 ( 8 ) law, a collection agency is required to contact the credit bureaus on my behalf, and to make sure to add a sentence to my credit report withing 30 days, that says I disputed the negative item/information in question. THIS NEVER HAPPENED! They never complied to the credit bureau, and the credit bureau never marked my account as " disputed by consumer '' within the allotted time frame. This now constitutes a breach of Federal Law on Jefferson Capital Systems which is now liable to me for damages of up to {$1000.00} per occurrence. So, I sent letter 2 XX/XX/XXXX. I mailed the letter on XX/XX/2016. Jefferson Capital Systems received it on XXXX XXXX, 2016, signed again by XXXX XXXX XXXX. I was giving them another 30 days to verify the accused debt. Instead of that happening, Jefferson Capital Systems filed a suit against me. I received it XX/XX/2016. Now, over 60 days have gone by since my initial letter XX/XX/XXXX. Now that 's another 30 days of breaking the law and holding Jefferson Capital Systems liable for another fine of up to {$1000.00} for the second letter I sent to them XX/XX/XXXX, which they also ignored. This was still not my first initial contact from them directly, but through the court papers I received. Then a week after the lawsuit they filed against me, I receive a letter from them. Still no verification, just a call me and let 's talk letter. I did n't bother calling them. I felt I gave them plenty of time to respond to my two letters with documentation. I went to the courthouse to answer their bogus claim and file a countersuit against them. I guess their lawyer does n't feel they broke any laws. Surprisingly, I think they had the credit bureaus remove their account from my report because it is not there anymore. Guess they are trying to hide the fact that they never contacted the bureaus to have the dispute remark added in time, but I have credit reports from XX/XX/XXXX and XX/XX/XXXX showing that their account is on them, with no dispute remarks. They broke the law and they want me to pay for it. I have the letters I sent them, the credit reports and the signed certified cards to prove they broke the law. I received the response from the court and we are due to court on XX/XX/2016.
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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CONTINUED FROM COMPLAINT XXXX JEFFERSON CAPITAL PURSUANT TO 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
I THE CONSUMER IAM AWARE THAT I AM ENTITLED TO MONTARY RELIEF UNDER CERTAIN CIRCUMSTANCES. HAVE SUSTAINED DAMAGES BECAUSE OF YOUR PRACTICES. I HAVE BEEN DENIED FOR CREDIT MANY TIMES DUE TO YOUR UNLAWFUL FURNISING OF COLLECTIONS TO CONSUMER REPORTING AGENCYS. I ALSO HAVE TO PAY HIGHER INTREST RATES WHEN I AM APPROVED. I HAVE NOT BE ABLE TO HAVE A GOOD RELATIONSHIP BECAUSE OF YOU. I AM DEMANDING YOU SHOW A GOOD FAITH AN MEET MY DEMANDS AND WE MAKE SOME TYPE OF AN AGREEMENT.
YOU KNOW THAT YOU VIOLATED LAWS YOU REMOVED ACCOUNT FROM REPORT HOWEVER YOU DIDNT WANT TO PROVIDE MONTARY RELIEF. WELL DELETION IS ADMISSION OF WRONG DOING I RATHER SETTLE THIS MATTER WITH OUT LEGAL ACTION. IF SOME TYPE OF AGREEMENT IS NOT MADE LEGAL ACTION OR ARBITRATION WILL BE NEXT.
AS I THE CONSUMER HASNT DONE ANY BUISNESS WITH THIS COMPANY THEY HAVE NOT PROVIDED NOR HAVE I SIGNED ANY ARBITRATION AGREEMENT WITH. IN THAT CASE I THE CONSUMER MAY USE ANY METHOD OF CHOICE.
YOU CAN NOT DECLINE MY REQUEST FOR MONTARY RELIEF IF YOU BROKE THE LAW, I HAVE PROOF OF YOU VIOLATION. I HAVE PROOF OF YOUR UNFAIR AN DECEPTIVE PRACTICES.
AS STATED ABOVE GOING THE LEGAL WAY WILL COST THIS COMPANY WAY MORE TIME AN MONEY HOWEVER, I AM WILLING TO FIGHT FOR MY CONSUMER RIGHTS I KNOW MY RIGHTS I INTEND TO ENFORCE THEM AT ALL TIMES.
A GOOD FAITH EFFORT WOULD BE GREATLY APPRICATED A GOOD FAITH EFFORT SHALL RESOLVE THIS SITUATION I THE CONSUMER AGREE TO SIGN TO ANY NON-DISCLOSURE AN NOT SHARE INFORMATION ABOUT RECIEVING ANY MONTARY RELIEF WITH RESPECT TO THE COMPANIES CURRENT CLIENTS.
THE ABOVE ONLY APPLIES ONCE A MONTARY RELIEF PAYMENT HAS BEEN MADE OR ARRANGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
|
| 04/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX I used the tool XXXX to view and print my credit report, at which point I noticed that the company Jefferson Capital Systems was reporting that I am indebted to them {$16000.00}. I have NEVER entered into any type of contract with Jefferson Capital Systems. On or around XX/XX/XXXX, I mailed Jefferson Capital Systems a certified letter requesting validation that I am contractually obligated to pay them. Said letter was to include : the name and address of the alleged creditor, name on file of the alleged debtor, alleged account #, amount of alleged debt, date that this alleged debt became payable and date of original charge-off or delinquency. Also, I asked whether the debt was assigned to a debt collector or purchased? As well as, the amount paid if it was purchased? Lastly, the agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
On or around the end of XX/XX/XXXX, I received correspondence from Jefferson Capital Systems which included the following information : An account #, current creditor listing of Jefferson Capital Systems, JCS reference # which is the number listed on my credit report, the amount of debt listed as {$16000.00}. But, most surprisingly was the box listed debt description with the name " XXXX XXXX '', which is also the name listed as the original creditor on my credit report.
I have NEVER entered into any type of agreement with XXXX XXXX. More importantly after several XXXX searches I have come to realize " XXXX XXXX '' as a company, DOES NOT EXIST.
Since Jefferson Capital Systems was obviously refusing to delete the blatant error of reporting that I owe them any amount of money, I sent certified letters to the three credit bureaus : XXXX, XXXX and XXXX requesting that if they could not verify the legitimacy of the information they were reporting on my credit report, they needed to delete it.
I have been monitoring my report for changes ; To date XXXX has deleted the reporting while XXXX is reporting that they have verified the information and it meets FCRA requirements. And, XXXX simply states the consumer disputes the reporting. Both agencies have also updated the original creditor to XXXX XXXX XXXX.
The basis by which the reporting was probably deleted from XXXX is because XXXX XXXX XXXX reported on or around XX/XX/XXXX that the account had been paid and closed with 100 % of the payments for that account being on time. With 0 % being left to pay on the loan.
I am hereby demanding that Jefferson Capital Systems as well as both XXXX and XXXX delete the inaccurate information that they are reporting on my credit report. According to FCRA regulations which state : If inaccurate information is discovered in a consumers file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has responsibility to remove it.
|
| 05/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
|
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XXXX, I unfortunately am not pleased with the response of Jefferson Capital Systems , LLC. regarding my request for debt validation under 15 USC 1692g. I requested this information XX/XX/22 and they received the request XX/XX/22 through certified mail. They promptly responded XX/XX/22 with false and deceptive information. This false and deceptive information was they sent a deceptive form of a statement from XXXX XXXX to XXXX XXXX XXXX XXXX basically as their " verification '' that I allegedly owed Jefferson Capital Systems , LLC. for this alleged debt of {$530.00}. They also went on to say that since this deceptive form " verified '' not validated the alleged debt, they will continue to furnish this information to my consumer reports as long as the law permitted. They also said basically they would sue me for the debt, but since it was outside of the statue of limitations to sue, they cant. This I found to be abusive language as they tried to assert a power they never had. To also continue to willingly provide FALSE and INVALIDATED information to my consumer reports is abusive and misleading and also a defamation to my character as a consumer. The way that Jefferson Capital Systems , LLC. treated me and my requests willingly and knowingly was unlawful and violating to me under 15 USC 1692d, using obscene and profane language which abused me as the reader stating false information of alleged debt collection as well as implicating they would have the right to sue me if it wasn't for the statue of limitations to sue someone on a debt. 15 USC 1692e, providing misleading and false representation of the alleged debt and the legal transfer of the alleged debt from XXXX XXXX to Jefferson Capital Systems, LLC., using deceptive means to attempt to collect the alleged debt from me, also the false implication that Jefferson Capital Systems could've sued me for the alleged debt implicating I committed a crime, 15 USC 1692f, by attempting to collect the alleged debt in its entirety without any authorization or agreement which created the alleged debt. 15 USC 1692g as not providing any validation of the alleged debt which I asked for in writing. 15 USC 1692j, as they furnished to me a deceptive form of a statement from XXXX XXXX to XXXX XXXXXXXX XXXX XXXX to create a false belief that the alleged debt was validated for Jefferson Capital Systems , LLC. to collect this alleged debt from me. Pursuant to 15 USC 1692k, I am demanding civil liability for these knowingly enacted violations of the law against me from Jefferson Capital Systems , LLC. which they " respectfully declined '' to acknowledge or accept as a result of their unlawful practices against me as the consumer. I would like it to go on the record that due to the unlawful acts committed by Jefferson Capital Systems , LLC. they have hindered my progress in life to be able to leverage my credit as a result of their furnishing of false information to my consumer reports.
|
| 10/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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On the morning of XX/XX/2019, I was startled and approached by a process server, who was standing near my door when I opened it. She informed me that I was being sued, and after briefly reviewing the formal legal pleading, I signed it and she left.
After receiving the pleading, I reviewed it in its entirety and it seems that Jefferson Capital Systems, LLC., was suing me for a debt that I had absolutely no knowledge of. Jefferson Capital Systems , LLC, is not listed on any of my credit reports and the company they purportedly represent is showing a zero balance on my credit report. However, Jefferson Capital Systems , LLC, is suing me for {$2400.00}.
Jefferson Capital Systems , LLC, seems to have completely disregarded the federal law of the Fair Debt Collection Practices Act [ Title 15, USC 1692f, 809 ( d ) ], which says communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). This was, in fact, my initial communication with Jefferson Capital Systems , LLC.
According to Title 15, USC 1692f, 809 ( a ), of the Fair Debt Collections Practices Act, I should have been given written notice, and an opportunity to identify, investigate and validate this debt, before being served with a legal proceeding. However, Jefferson Capital Systems , LLC, made a conscious decision to disregard Title 15, USC 1692f, 809 ( a, b and c ) of the federal law and have me served, thereby taking away my right to challenge the validity of the debt.
Additionally, the address documented for the defendant on the formal pleading is completely inaccurate and is not an address in XXXX XXXX, which is where I reside. The address documented, is, in fact, a XXXX XXXX address.
I had 14 days to file an answer, in which I did and our initial hearing was heard on XX/XX/2019, and is still pending the outcome of an investigation.
I also reached out to Jefferson Capital Systems , LLC, and was informed by one of their representatives that written notice was mailed to me, at the address on the legal proceedings, which is not my address, nor has it ever been.
I presently have an active account ( with a small balance 17 % ) with the company in question and have previously had another account with them, that is now closed and was paid in full. Im also reaching out to the company ( XXXX ) to request detailed records of any/all transactions associated with the account in question, which is presently showing a zero balance on my credit report.
Im also a victim of ID theft. My name is presently a part of the XXXX Data Breach, XXXX XXXX Security Incident, checks, other credit cards, along with the thousands of dollars being taken from the IRS in my name. The IRS finally cleared me, after a nearly year-long comprehensive investigation. I have police reports, an FTC file #, along with other pertinent documents from years of dealing with this matter.
|
| 03/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as Jefferson Capital Systems, Inc. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by Jefferson Capital Systems , LLC.
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.
3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX did no such transfer, nor was I ever given any such proof.
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.
5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal.
6 ) This collection is illegal, and XXXX XXXX XXXX is in violation of my rights under the Fair Debt Collection Practices Act.
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX recalling this debt information immediately.
8 ) Any and all references to this account must be deleted on all credit bureaus.
9 ) XXXX XXXX XXXX must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently.
Jefferson Capital Systems , LLC has an enormous amount of complaints filed with the CFPB already.
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of Jefferson Capital Systems/CL Holdings LLC. Examples of common complaints against Jefferson include trying to collect a debt not owed and improper communication tactics.
The following two real-world examples of complaints against Jefferson Capital Systems illustrate these types of alleged violations.
Consumer alleges attempts to collect a debt not owed Jefferson Capital System said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!!
XXXX XXXX
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Jefferson Capital Systems , LLC ( " JCS '' ) detailing their actions harming my consumer reports. I have never given JCS my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. This is negligence and a clear violation of a federal statute. I received documentation dated for XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from JCS indicated that the company continues to harass me via my consumer reports after failing to provide proof that I gave them permission. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court, federal statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly JCS is 100 % required to communicate with me PRIOR to sharing any information with a nonaffiliated third party. JCS failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified directly and via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. If the company is telling the CRAs that both reports, that are showing different and inaccurate information is accurate... the company is providing false and misleading information. Precedent has already been established by the The United States of Appeals, Ninth Circuit, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of JCS. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose. One look at PACER will show that this company has a long history of harassing consumers.
|
| 04/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have never received any correspondence or communication from Jefferson Capital I dont have any kind of contracts or accounts with them. Upon further investigation they are a third party debt collector that is not licensed as such in South Carolina. They are listed as a XXXX XXXX which is defined as this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX strongly suggests a potential applicant submit a detailed business plan as described in the new application checklist. This should be done prior to applying in XXXX to determine the correct licensing jurisdiction.
Who is required to have this license?
An entity that is making consumer loans or is taking assignments of and undertaking direct collection of payments from or enforcement of rights against debtors arising from supervised loans. A supervised loan means a consumer loan in which the rate of the loan finance charge exceeds twelve percent per year as determined according to the provisions on the loan finance charge for consumer loans ( Section XXXX XXXX ).
If a website will be used to take supervised loan applications or process payments electronically for supervised loans, a separate supervised lender website license will be required in addition to the license for the home office.
A separate application request and fee will be required for each website.
They are a debt collector company and fall under the -Who does not need this license section : ( a ) Mortgage lender as defined in Section 37-22-110 ( 30 ) ; or ( b ) Retail sales contract. An entity performing retail sales transactions/ contracts is not required to and will not be issued a supervised lenders license. See Title 37 Chapter 2 on the SCCPC.
( c ) Third party debt collectors. Entities that are collecting debts for other lenders.
( d ) Passive debt buyers.
They do not have the appropriate license in my state in addition to no communication from them to me. In addition to the follow 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
I do not have an account with nor any contractual obligations to them/with them
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| 01/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear XXXX XXXX XXXX, I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe.
I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my XXXX XXXX and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ).
According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting.
I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 06/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM accounts with a balance of {$3400.00} and {$2400.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
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| 07/25/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I received a bill in XXXX for a charge of {$170.00} in my name XXXX XXXX. I no longer remember the company. I contacted the company at the time. A male representative could not confirm a claim of debt by said company and informed me they had no such record. Therefore could not send me an invoice of billing. I assumed it is a billing created on the dark web to sell my personal information. I waited for said charges to show up on my credit report.
Jefferson Capital contacted me by mail XX/XX/2023. XX/XX/2023 they showed up on my credit report, claiming a debt of {$170.00}. They note the original debtor to XXXX. On XX/XX/XXXX I finally found company online and called number given online store I talked with a XXXX and a XXXX. The informed it maybe registrations cost. I asked them to send billing. They claimed they had no billing invoice on file in my name they could send. I asked them to send a letter verifying our conversation to email : XXXX. I have yet to receive email.
Jefferson Capital gave me an email to which to give correspondence. XXXX given to me XXXX XXXX XXXX XXXX XXXX No one I talked to seem to have access to email or able to interact professionally in business communication to clarify or rectify issues that maybe in dispute.
Jefferson Capital is unable to verify the existence of their account number XXXX or Reference Number XXXX. Recently someone has been tampering with my credit report and credit card information. I have had issues with my email. Dont know if there is a connection. Yet it came during the time Jefferson Capital began communication with me an attempt to just verify my personal information and identity.
Enclosed is website information : https : //www.ftc.gov/legal-library/browse/cases-proceedings/062-3212-compucredit-corporation-jefferson-capital-systems-llc XXXX XXXX XXXX The main numbers I contacted regarding this matter : No one seems to be able to produce a invoice of billing.
XXXX XXXX XXXX I no longer contact creditors unless I can identify the debt or can trace the company VIA internet claiming a debt, because I been a victim of too much fraud and identity theft. I no longer pay any claims unless the company can produce reasonable explanation of claims.
I have notice, bad artificial persons want to claim billing 5 years after business has been completed. I assume because they understand a household may not keep infinite records. It is time consuming finding said records. Or worse an employee could misuse personal information given in the course of doing business. Thats why I pay in full for common purchases that may represent leisure.
I may have never been indebted to {$170.00} to XXXX. I no longer recognize the name as being a company with which I have even done business. It is plausible. Employees can not verify any transactional information in writing that accrued an alleged debt.
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| 06/26/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I am writing to file complaint against JEFFERSON CAPTIAL SYSTEMS for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against JEFFERSON CAPTIAL SYSTEMS : JEFFERSON CAPTIAL SYSTEMS has failed to supply proof under the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contracts, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, I urge JEFFERSON CAPTIAL SYSTEMS to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that JEFFERSON CAPTIAL SYSTEMS ceases reporting this disputed information to any third parties immediately. JEFFERSON CAPTIAL SYSTEMS has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with JEFFERSON CAPTIAL SYSTEMS. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that JEFFERSON CAPTIAL SYSTEMS cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that JEFFERSON CAPTIAL SYSTEMS have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by JEFFERSON CAPTIAL SYSTEMS. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint.
Sincerely, XXXX XXXX
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| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit report and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. I am requesting an immediate investigation into this matter, and that appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reading Fair Credit Reporting Act 15 USC 1681 section 602 where it says, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and Im the consumer. I know i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which says that " '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' As I inform that the financial institution and the Consumer reporting agency like XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Furnisher of information to credit agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to the credit agency Never informed me of my right to exercise my nondisclosure option. According to 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item XXXX is reporting again without my permission and that is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it says " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. And9 12 CFR 1016.7 says " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 04/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM account with a balance of {$240.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
|
| 07/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary Jefferson Capital Systems , LLC v. XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX Jefferson Capital Systems , LLC Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For XXXX : Jefferson Capital Systems , LLC File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : Jefferson Capital Systems , LLC File Stamp : XXXX/XXXX/XXXX XXXX/XXXX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : Jefferson Capital Systems , LLC Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX Jefferson Capital Systems , LLC Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
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| 11/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Jefferson Capital LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt.
I formally dispute the validity of this alleged debt. My dispute to Jefferson Capital collection letter, dated XX/XX/, will be sent to Jefferson Capital electronically via Jefferson Capitals email XXXX, CFPBs portal and to the address referenced above, via certified mail, for record keeping purposes. I do not owe this debt or any debt to Jefferson Capital or to any third party Jefferson Capital is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter.
Additionally, per FDCPA, notifications of dispute must contain the following : the amount of the debt the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ).
The notice which I received failed to include the majority of the aforementioned, in violation of FCRA and FDCPA.
You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease.
Thank you for your attention in this matter.
XXXX XXXX XXXXXXXX
|
| 07/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law.
( b ) Amendment of section No other provision of law, enacted before, on, or after April 20, 1983, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section.
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee.
( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : JEFFERSON CAPITAL SYSTEM FOR {$3900.00} XXXX XXXX FOR {$540.00} XXXX XXXX FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX/XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a XXXX and XXXX XXXX ( XXXX ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/2019 for {$3900.00} ; one last reported XX/XX/2019 for {$26000.00} and one last reported XX/XX/2019 for {$270.00}. The others correctly reflect the XX/XX/XXXX.
Finally, one last reported by XXXX XXXX XXXX on XX/XX/2019 for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XX/XX/3569, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.
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| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly.
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681.
XXXX, account number, XXXX, inaccurate amount shown on the credit report.
XXXX account number : XXXX, inaccurate amount shown on the credit report.
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX.
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times.
XXXX XXXXXXXX, inaccurate amount shown on the credit report.
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report.
XXXX XXXX Account closed company stop reporting and no longer in operation.
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report.
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report.
The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
15 USC 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.
Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA.
I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further.
I look forward to a prompt resolution of this matter.
Thank you for your assistance.
Sincerely, XXXX XXXX.
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| 07/02/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K. After graduation I was struggling to make ends meet with no job and a new baby. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXXand called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in XXXX XXXX and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today.
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted.
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income.
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
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| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am filing a complaint against XXXX. On XX/XX/2020 XXXX processed a dispute request that I sent certified mail.
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020.
Source : XXXX Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020, XXXX reported that the disputed account had been updated. I reviewed the account and no information had been changed. The account is still reporting a fake open date that in fact has re-aged the account. The open date is reporting a dated more recent to reflect that the account is newer than it really is. They are reporting that the original balance on this account was {$1100.00} which is inaccurate. The account is reflecting that this is a term account for one month which inaccurate. I requested proof of this and was not provided any validation into all of these inaccuracies and false information reporting on my credit report. I also filed a dispute directly with Jefferson Capital System. The letter was sent certified mail, return receipt. I have received confirmation that Jefferson Capital System is in receipt of my validation letter. As of today, I have not received a response from Jefferson Capital System. XXXX is aware of all of the inaccuracies and they continue to report this account on my credit file.
On XX/XX/2020 I re-disputed this account and specifically as XXXX to VALIDATE the debt. They refused to validate the debt. XXXX sent back a notification on XX/XX/2020 stating that that account was updated. The account is still reporting all of the inaccurate information that it had been previously reporting.
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020.
Source : XXXX Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020 I received this updated message from XXXX.
What happened?
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been updated.
Source : XXXX Date Submitted : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX is still reporting inaccurate information on my credit file. They are refusing to validate this date. They are also refusing to provide me with who/where they requested this information from. What process they used to validate or obtain this information.
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| 08/04/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by XXXX XXXX XXXX, XXXX. He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}.
I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or JCS verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with XXXX XXXX XXXX, XXXX. 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) On XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied.
On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account manager, to discuss a resolution that would be satisfactory to both parties.
To date, JCS has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, JCS is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it!
I do n't believe I can resolve this without help. My first attempt to resolve this through the XXXX was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!
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| 05/23/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a letter from my ex husband on XX/XX/XXXX, but the letter was dated XX/XX/XXXX from a company name Jefferson Capital Ststems LLC stating they represented another company by the name of XXXX XXXX Jefferson Capital Systems LLC is attempting to collect {$590.00} for XXXX XXXX . I wrote this company Jefferson Capital Systems LLC in XXXX XXXX, MN on XX/XX/XXXX disputing the alleged debt with XXXX In the letter Jefferson Capital Systems LLC states that I had until XX/XX/XXXX to dispute the alleged debt but on XX/XX/XXXX and XX/XX/XXXX I received a notification from XXXX that a new account was added to my XXXX and XXXX credit report from Jefferson Capital Systems LLC. Jefferson Capital Systems LLC has practice unethical unfair debt practices and misrepresented what their XX/XX/XXXX letter stated that I had until XX/XX/XXXX to contact their office in writing which I did but this company jumped the XXXX and still reported this alleged debt to the credit reporting agencies prior to the deadline they set. I first heard of XXXX XXXX back in XXXX when I saw some charges on my account and I disputed them with my bank and the funds were reversed. I stated in XXXX and XXXX to another company called XXXX XXXX and to the actual company XXXX this is not my debt and I do not owe this debt. In XXXX and XXXX XXXX actually placed inaccurate information to my credit report but back then the amount was {$1200.00} and it was disputed then and retracted both times. But now again in XXXX another company is alleging again that I owe XXXX XXXX but for a lesser amount. For years, I have been battling with random hacking of my email accounts, lost or stolen credit card & debit cards. I closed my bank account back then because I felt they could not keep my money safe and it was too much happening. I am now divorced and longer go by XXXX as I have indicated in my letter to Jefferson Capital Systems LLC. Again, I am disputing this alleged debt, this is not my debt and I do not owe this debt. I am requesting that Jefferson Capital Systems LLC remove any negative information from my credit report immediately because clearly Jefferson Capital Systems LLC is continuing to practice unfair debt collection as they did in 2008 FTC Matter/File Number 062-3212 ( Federal Trade Commission v. Compu Credit Corporation and Jefferson Capital Systems , LLC ) . I have included all my documentation of all the hacking and fraud I have faced since XXXX. Even if I owed this debt the statue of limitations has ran in Texas and California where the original debtor is located per the Consumer Financial Protection Bureau. Also, as my right, I have no desire to work with Jefferson Capital Systems LLC and I dispute these claims.
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| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX ) ATTACHED LETTER NOTE : This account had been deleted off my credit report in by XXXX XXXXXXXX.
2 ) XXXX XXXX ( XXXX XXXX XXXX XXXX ) ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
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| 11/15/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I recently reviewed my credit report from XXXX, XXXX XXXX. Unfortunately, I saw that you have recently began to report me 30 days late on this account on XX/XX/2022. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA I contacted JEFFERSON CAPITAL regarding this debit and that I don't owe this and had a very default time..
FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a consumer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the consumer.
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in Lending Act.
Reporting inaccurate information is also a violation of the FCRA.
I first contacted the above mentioned consumer reporting agency about the mistake. They sent me a letter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/2022, The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times Twice by never notifying me and once for reporting inaccurate information. I could surely use the {$30000.00} bucks since the interest rates on my other credit cards raised due to you error, not to mention the priceless cost of my time writing these letters.
PEASE SEE ATTACH DOCUMENTS
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| 06/30/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
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| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 3 ) JEFFERSON CAPTIAL SYSTEM ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
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| 07/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a call from Jefferson Capital Systems on the XXXX of XXXX, 2021. After returning the call and confirming my information ( name and last 4 of social ), they informed me that I have a debt from XXXX that is around {$1400.00}. I was confused by this and while on the phone I checked my XXXX accounts and saw everything was in good standing and had no credit card with XXXX. After confirming on my end, I asked to validate the debt. The representative then ask if an address was mine and after they told me, I immediately knew this was in regards to a business account that belong to a corporation that I was no longer apart of. I informed the representative that this was a business account with XXXX but the representative kept telling me that they only see my name and social but no business information. I was even told the email address on file which belongs to the business Im not apart of. I then spoke to a supervisor who told me the same thing before being disconnected ( not sure if the line disconnected or if I was hung up on ). I called back and ask to speak to a supervisor who I explained that this belonged to a business account that is not under my name. I requested that they obtained the information from XXXX but I was told they cant ( or probably refused too, I do not know if they are allowed to contact the company they bought the debt from after the purchase was made ). I asked to do a debt validation but they asked for my address, which I initially refused and was told it would be open but I would need to call back to update the address on file. I called XXXX the moment I hung up and was told I would need to call JCS and speak to them about the debt and they couldnt be of any assistance. I spoke to an attorney who informed me to update the address on file so they could send what they have if they validated the debt before raising further dispute. On the XXXX, I called and spoke to a representative where I updated the address and was told by the representative that they will cease collection and will not report the account.
Today, XXXX of XXXX, I receive a call from them and after returning the call the representative stated the same thing that I owe the amount as stated above and noted that I did raise a dispute to this. I again disputed it as this account is not a personal account but a business account. On top of that, I have not received any information regarding this debt to the address I provided from the call on the XXXX and that as the debt is under dispute ( or debt validation ) they are not to continue to collect the debt until the debt is verified, which it is clear they have not verified.
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| 12/12/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Older American, Servicemember |
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In XXXX of XXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from Jefferson Capital Systems of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing.
VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys.
I am XXXX yrs old and purchased a home XXXX.
XXXX XXXX XXXX XXXX. sent me a pretrial form Over a Jefferson Capital Systems again debt of XXXX XXXX.
XXXX XXXX XXXX XXXX. firm sent XXXX XXXX XXXX XXXX from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver.
My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase.
XXXX XXXX XXXX, XXXX XXXXXXXX. collections for Jefferson Capital Systems closed debts.
This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to Jefferson Capital Systems.
I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because XXXX XXXX XXXX says I owe this debt.
I produced a collection form from XXXX XXXX for Jefferson Cap.Systems from XXXX my credit reports whoing the account closed written off in XXXX Jefferson Capital Systems removed themselves from creit reporting agencys there is no debt owed to them or the original debt holder.
XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXX # XXXX XXXX XXXX XXXX XXXX after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe.
And I do not owe XXXX should not have to pay anything.They should pay me for Harrassment.
These created and manipulated billing statements from XXXX XXXXXXXX XXXX Had my name and address correct.
The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed.
These deb collectors should be charged for false documentation to collect a debt not owed.
I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.
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| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello ; how can you be late 120 days on collections account for {$800.00}? Isn't the collection account by default late and past due? This is a violation of FCRA and it's causing this account to illegally re-aged. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX last 4 :XXXX To Whom It May Concern This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character.
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Here is the account that keeps negatively being reported XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XX/XX/XXXX Original Balance {$18000.00} {$18000.00} Current Balance {$18000.00} {$18000.00} Responsibility These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
XXXX XXXX XXXX XXXX XXXX XXXXPresident and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX Email-XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Email-XXXX XXXX XXXX XXXX XXXX Executive Vice President Consumer Interactive XXXX XXXX XXXX XXXX XXXX Illinois XXXX I have already hired a consumer attorney to plead my case. an will be pursuing full legal action against ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX.
( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX.
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| 05/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XX/XX/2023 Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Jefferson Capital System , regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ).
Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt.
According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : Zero out the balance of this account.
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was zeroed out via email.
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023.
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies.
I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company.
Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Jefferson Capital System.
Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA.
Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation.
Sincerely, XXXX XXXX XXXX XXXX and Consumer
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been having a really tough time with XXXX XXXX XXXX credit card. I had two accounts with them which went in to collections and eventually charged off. Upon checking my credit I have been trying to pay off all my debt. I contacted them XX/XX/2020 to try to pay what I owe them and they informed me that there collection agency is Jefferson Capital and I needed to contact them first to pay and then Jefferson capital would report the two payments to them and they would update the accounts on my credit report to a XXXX balance. I paid Jefferson Capital that same day settlejng the debt for less than total amount which satisfies the debt. Jefferson Capital then emailed me two letters stating both cards have been satisfied and now have a XXXX balance and they would be letting XXXX know and they would update the credit. A few days passed and I noticed XXXX updates one of the accounts with the amount of the payment and still showed a remaining balance which is not what I was told would be done. I called XXXX yesterday and the rep told me they only show one payment being made and there was still a balance and that Jefferson capital hasnt notified them that what I paid settled the account. They never saw the second payment at all and they were made the same day. I called Jefferson capital back and after talking to a supervisor she informed me that XXXX sold them one of the accounts and that is why they only see one payment on there and that they were not obligated to report the other payment to them. She also said they already notified them the other debt was settled. This is all completely insane at this point. Im being given the runaround at every angle. I have settled both accounts which they are both reported on on my credit report by XXXX XXXX XXXX but if Jefferson capital will not notify them property then the debt will continue to be reported on my credit from XXXX with. Balance when that information is incorrect. I called XXXX XXXX back several times and they were being very rude to me and one person even hung up in my face. This is very upsetting. These are the only negative marks in my credit and no one seems to be helping me. XXXX shouldnt even be reporting one of the accounts at all since it was sold and they should be deleted. At the very least the other account needs to be updated to XXXX balance because the debt has been paid but they are not doing things properly and this is not right. After I paid both accounts they asked in that same phone call if I wanted to open new accounts with XXXX and after all this there is no way in XXXX that would happen.
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received notification through credit monitoring that a debt collection from Jefferson Capital Systems was reported on XX/XX/XXXX in the amount of {$700.00}. It originated from XXXX. I called the company and learned it was from XXXX XXXX, had been turned over to debt collection in XXXX of XXXX, and was being pursued for collection with a letter having been issued in XX/XX/XXXX. They can not tell me what the debt is for aside from a phone number not used by any member of our household unless it was a hotspot number. I called XXXX XXXX on a local level. The manager could not, nor would assist. I called XXXX XXXX 's billing department. They could not, nor would assist, aside from providing me with this telephone number for resolution. I called Jefferson Capital Systems again. No assistance, but did file the account as disputed. I've also disputed with XXXX and XXXX.
I left XXXX XXXX due to billing issues that arose from their change in billing systems in XXXX. It was a widespread issue that affected many. One month your balance is {$0.00}, the next {$900.00} and overdue. I resolved the issue in store, went straight to XXXX with a {$0.00} balance from XXXX XXXX and terminated my services. The store manager was directly involved and knew I was terminating the account due to the lack of reliability and best business practices of the company. I've also reported to the XXXX. Note, the company 's score is 1.9 of 5 with hundreds of complaints registered.
After six years of having no issues, no contact, and no supporting evidence of the debt owed, I believe this is just shy of criminal behavior. I would like this removed from my credit report immediately. Not listed as a charge off. Dismissed. Erased, Gone.
The staff of both the collection agency and company are of no assistance and can provide no details. Again, the contract was terminated in XXXX after having been a customer since XXXX. I have maintained the same cell number throughout the years, and continue through today.
Also, I will note that during Covid, I was being called and harassed by credit card collections for accounts not even in my name. They were calling me due to an old residence that my husband and his cousin had shared in the past. Because companies could not reach the cousin 's wife, they were calling myself and my son for information. I've never even met this woman.
It makes this recent collection all the more suspicious and unnerving. Therefore, I've locked my credit in fear of fraudulent activity. This is impacting my ability to apply for a job. Quick resolution is of the essence.
|
| 09/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( JEFFERSON CAPITAL SY XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, MN XXXX XXXX : Acct # xxxxxxxxxxxx To Whom It May Concern : This letter is regarding account # Xxxxxxx which you claim my account was charged off {$1500.00} This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
|
| 05/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Jefferson Capital Systems LLC. and Attorney XXXX XXXX took action for wage garnishment execution via the CT Superior Court on the wrong individual- different name, social, and DOB . Pure negligence to ensure correct information for debtor resulting in wrongful wage garnishment actions against the individual - including sending a XXXX to the wrongfully accused individual 's employer and disclosing debtors personal information to persons other than the debtor or debtor employer. Due to such negligence, CT superior court signed and approved wage garnishments for individuals other than debtors, causing emotional distress to wrongfully accused individuals, debtors, and wrongfully accused individual and debtors family/family income. When trying to contact XXXX XXXX XXXX via phone call, they stated no one was available to speak to me despite being within business hours displayed on the website ( XXXX XXXX XXXX XXXX XXXX ) called XXXX XXXX XXXX Wrongfully accused received information on debtor via phone call and employer due to XXXX XXXXXXXX disclosing debtor 's personal information.
Called XXXX today to offer a partial payment amount in return they remove the wrongfully garnished individual 's employer from the court and they denied due to their 10 % fee they charge. Due to XXXX ' lack of due diligence before filing and executing a legal court document, my personal credit information has now been disclosed to CT XXXX XXXX, XXXX XXXX without my permission. XXXX is now in extreme emotional distress and embarrassment of her job of over 20 years. It has now been XXXX XXXX with no attempt at resolution from XXXX XXXX
XXXX XXXX XXXX, XXXX CT license number : XXXX XXXX XXXX, CT XXXX. XXXX House - XXXX XXXX XXXX XXXX XXXX, CT XXXX Docket # XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX P ) XXXX ^ Tried to contact - Claimed closed business hours via gentleman on above phone line who would not share his name or association with said company Phone ( Listed Via CT Judicial ) : XXXX Email : XXXX Website : XXXX XXXX wage garnishment +Falsified court documents which included individual not debtor - Wrong name, social security, DOB, and middle initial +Emotional distress to wrongfully accused individual and debtor. Created emotional, financial distress within the family.
+Under FCPA creditor disclosed personal information about debtor CT superior court wrongfully signed off on wage execution against a person other than the debtor Attorney has yet to get back to us - XXXX XXXX XXXX XXXX EXT XXXX XXXX # XXXX
|
| 01/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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On XX/XX/XXXX I reached out to a representative from Jefferson Capital System and set up a pay to delete. Per our conversation ( XXXX ) and XXXX ( supervisor ) stated they would be able to do a pay to delete, when I specifically asked XXXX to send me a email stating they would be able to provide a pay to delete she said they do not use emails but they can go ahead and mail me one. I let them know that I need a letter of proof they will delete it before I can make a payment. XXXX transferred me to her manager and her manager ( XXXX ) told me she will send a secured email with the payment agreement INCLUDING THE PAY TO DELETE. I set up the payment for the XXXX for the full amount and verbally verified were doing a pay to delete and it will state that on the email multiple times. Once I receive the email I log into the desktop and set my account up with them and the payment arrangement is set up as XX/XX/XXXX balance will show PAID IN FULL. I called Jefferson Capital on XX/XX/XXXX to speak to the same representatives to see why I do not have that letter like we agreed on. When I spoke to both representatives they stated they never said such a thing and that they can not send out emails/letters for a agreement of pay to delete because they send it after. I informed both of them that I want in writing that once the payment is made in full they will agree to delete it off my records and that way I will go ahead and have documentation supporting my claim in case it does not get removed. After that both reps said they do not do that per the company policy and that they will remove the collection AFTER I make a payment and they will not inform me until AFTER they remove it via mailed letter. I informed both reps that this is lying to consumers, telling them this information and then not giving them proper documentation per request and also UNFAIR tactics to get consumers to pay on debts. LYING to get a payment and making false statements and claims. At the end of our conversation I asked for them to either give me some type of letter via email stating they will delete the collection off my credit once they receive payment on the XXXX and both representatives were not able to do that because it was " against policy '' and they delete it after they payment. I went ahead and voided my charge and verified the payment plan was delete for the XXXX. This company has horrible reviews and scare tactics to get their consumers to pay. I do not appreciate being lied to and tricked into FALSE AGREEMENTS!
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately.
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 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.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore you have no jurisdiction or authority to collect on this allege debt.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You JEFFERSON CAPITAL SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately.
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 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.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore you have no jurisdiction or authority to collect on this allege debt.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You JEFFERSON CAPITAL SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
|
| 10/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, MN XXXX I have contacted both XXXX XXXX and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with XXXX XXXX. The last communication was the following letter.
To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$560.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately.
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 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.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore you have no jurisdiction or authority to collect on this allege debt.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
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| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
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| 01/18/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HEY XXXX XXXX ; JEFFERSON CAPITAL SYSTEM ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$180.00} Open balance XXXXXXXX XXXX XXXXXXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom it may concern. This is in regards to a XXXX 's XXXX credit card ) With XXXX XXXX I Did not request nor applied for. I XXXX XXXX of Mailing Address XXXX XXXX XXXX, XXXX S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated it was open on XXXX XXXX XXXX, It went Delinquent on Month of XXXX XXXX. I Understand from XXXX XXXX that They sold the account to a collection agency. At no time Did I receive any correspondence from community During year of XXXX. Only when I started trying to apply for buying a house and property did I find out My credit scores were not up to par. As I was taking care of one thing or another then discovered the debt I had with XXXX XXXX This is the last thing on my records that have hurt my credit at this point. I followed all thee rules to submitting complaints, Investigations Follow ups with calls and correspondence 's. I have taken the correct actions for a reasonable resolution for both parties I have many dates of call and correspondence and times of calls whom to and what departments and gist of calls. and certified letter return receipt signature requested. with Correspondence with XXXX XXXX XXXX XXXX I can provided dates and times of all calls and correspondence if requested. End of XXXX XXXX numerous calls back and forth with XXXX XXXX And XXXX XXXX. XXXX Bank states They Bought The account from XXXX XXXX and XXXX XXXX stated they did not. XXXX refuses to communicate with XXXX and Visa Versa and XXXX XXXX my account is in sales Dept This is on going Bull XXXX and I am tire of putting up with it XXXX XXXX XXXXs wrong for not opening up diologue with XXXX and XXXX the same. XXXX XXXX has declared fraud. and sent number of times to credit Bureau XXXX will not correspond with credit bureaus or XXXX nor will they clear up matter in timely matter. I attempted to work with Local Law enforcement The refused unless XXXX XXXX or whom ever creditor submitted initial investigation first. This I did not wright down date or times on this and this is my fault. XXXX now sending me more paper work, When does this end. I want to just give up but paying what I do not owe will still not clear up my credit. XXXX encourage to file a report with you.
XXXX XXXX. # XXXX Amount owed XXXX U.S A Dollars Phone XXXX There Address : XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX 's Account P.o. Box XXXX XXXX XXXX XXXX XXXX ending in XXXX Referance Number XXXX XXXX XXXX and XXXX and XXXX in XXXX XXXX or XXXX
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| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately.
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 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.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore you have no jurisdiction or authority to collect on this allege debt.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXX Delete this alleged debt from your database and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
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| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Jefferson Capital placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However Jefferson Capital took it among themselves to feel as is they could just place inaccurate accounts on my report.
According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. XXXX allowed Jefferson Capital access to my consumer report without my permission, Jefferson Capital had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, Jefferson Capital could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. Jefferson Capital still has not responded to the last Complaint. With that being said I'm requesting that the documents Jefferson Capital presented to XXXX be mailed to me along with information XXXX gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.
|
| 10/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
|
| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC, for committing identity theft. I have never given Jefferson Capital Systems , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Jefferson Capital Systems , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems , LLC any right to collect on this alleged debt.
I have never received any documentation requesting validation from Jefferson Capital Systems , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 12/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Servicemember |
|
I have been harassed by Jefferson Capital for over a year now. Dozens of times I have disputed with the credit bureaus to no avail. Jefferson Capital does not do any sort of research except send the same story back stating that this " debt is valid '' They are saying that I owe a debt and this debt was sold to them by a company. I have no idea what company or what this debt is, and I do not owe it. I have never seen anything other than dozens of letters from Jefferson Capital demanding payment and then threatening civil action. This has crushed my credit score as well. Recently, I have received over 15 letters from local attorneys in the area asking to represent me since I am apparently being " sued '' in civil court in the county I live in, once again for a debt I have no knowledge of and one I do not owe. Since I was getting nowhere with the credit bureaus, I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX sent my complaint to Jefferson Capital, where once again they did not do any sort of research into anything or supply me with any sort of valid paperwork. Instead, they sent a letter stating " our records reflect that the account is currently the subject of a lawsuit Filed on XX/XX/2022, pending in XXXX XXXX XXXX XXXX as case number XXXX. As a result, this matter is beyond the purview of the XXXX and we request this complaint be dismissed '' For the 20th time, they didn't do anything but ask for a complaint to be dismissed so it wouldn't go on the XXXX webpage, permitting Jefferson Capital from just continuing to threaten and have actually started legal action against me.
Today, I received a letter in the mail asking to contact XXXX XXXX XXXX XXXX section to pick up papers I am being served.
This has to be one of the most predatory Collections practices I have ever seen.
I now have been sued in local court for a debt I do not owe and have been bombarded by lawyers asking to represent me for this upcoming case.
I am also being threatened with garnishment of wages. I am a 100 % percent XXXX veteran. I have my XXXX benefits and my XXXX benefits as sources of income and that is it.
The amount of stress this has added to my life is astounding. Upon research, this appears to be the norm for Jefferson Capital as they are the recipients of dozens of lawsuits for their " collection practices. The complaints have many things in common and this " company '' is disgraceful. Harassment is just what they do.
|
| 12/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I have never had an account with this company Jefferson Capital REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Jefferson Capital the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 10/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
|
| 07/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 05/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Debt Collector, RE Letter sent from JEFFERSON CAPITAL SYSTEMS Account : XXXX XXXX Account Balance : {$5300.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I 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 Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Please attach all the requested documents.
Agreement with you and XXXX XXXX the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector. Must be 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.
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/08/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 02/10/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/22/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Jefferson Capital Systems , LLC, a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to this collection agency. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on. XXXX XXXX has sold the debt associated with my account to this collection agency for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by this collection agency I would like full forgiveness of the debt by both the collection agency and XXXX XXXX along with updated credit reported data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to, the XXXX XXXX XXXX XXXX ( XXXX ).
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| 10/16/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/26/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/19/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Ive never went to c why my credit is never approved and finally discovered so many loans -online loans and such even retail purchases ive never even head of.
Ive had my bank accounts broken in to even from out of state but never knew that there were collections.. Iv3 never recieved any of these loans shown. My adresses have only changed once 1 and ive only had 3 main adr3sses my address in XXXX change to my current physical n XXXX, nm but the permanents are XXXX, az and XXXX, nm postal im currently adsing the postal in XXXX but havent done so ... Idk who but this is unfair to me and my wife as we thought we could purchase a vehicle i have one that was repoed n the past but since have not trued id like some kind of closure with these listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$880.00} Date Updated : XX/XX/XXXX Original Amount : {$880.00} Original Creditor : XXXX XXXX XXXX NM ( Financial ) Past Due : > $ XXXX before the due date.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$1500.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$110.00} per month, paid Weekly for 28 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$960.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$80.00} per month, paid Monthly for 12 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$750.00}
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| 11/08/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Mailed information company : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Collection Notice - Lack of Required License Dear Jefferson Capital Systems, I am writing to address a matter concerning a debt collection I never received a notice but I received an alert from my credit report that that your agency has placed on my report. I wish to bring to your attention that, based on the information available to me, it appears that your agency may not be appropriately licensed to collect debts in the state of Texas, as required by the Consumer Financial Protection Bureau ( CFPB ) regulations.
Please be informed that it is a violation of federal law under the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to engage in debt collection activities without the necessary state license ( s ). As a consumer, it is my right to ensure that my debt is being collected by a licensed and legally compliant debt collector. Therefore, I kindly request that you provide me with the following information : 1. Your agency 's license number for debt collection in the state of Texas.
2. Proof of your agency 's compliance with the licensing requirements as mandated by the state 's debt collection laws.
I expect your prompt response to this request, as failure to comply with the necessary licensing requirements could constitute a violation of the FDCPA. If your agency is not licensed to collect debts in my state, I demand that you cease all debt collection activities related to my account immediately and remove any negative credit reporting associated with this debt.
Please consider this letter as a formal dispute of the debt and a request for validation under the FDCPA. Until you can provide the requested information and demonstrate your compliance with state licensing requirements, I will not acknowledge this debt as valid.
I kindly request that you respond to this letter within 30 days from the date of receipt. Failure to do so may result in my taking further action to protect my rights as a consumer. Additionally, please be advised that I will be monitoring my credit reports closely to ensure that the debt collection activities cease, as required by law.
Sincerely, XXXX XXXX Enclosure : Credit Report Notice CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Office of the Attorney General of Texas XXXX XXXX XXXX XXXX, TX XXXX
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| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I would like this invalid account deleted from my credit report immediately. I am writing to file a formal complaint against XXXX, XXXX, and Jefferson Capital System regarding their blatant disregard for my consumer rights in connection with a debt collection account that is erroneously reporting on my credit report. I have taken all necessary steps to rectify this situation, yet I have been met with inaction, lack of communication, and a complete disregard for the regulations set forth in the Fair Credit Reporting Act ( FCRA ).
On XX/XX/2023, I sent certified letters to XXXX, XXXX, and Jefferson Capital System, respectively, notifying them of a debt collection account that I believe is invalid and should not be reporting on my credit report. The purpose of these letters was to formally request documentation to verify and validate the accuracy of the debt, as well as to initiate an investigation into the matter as outlined by the FCRA. I have meticulously followed all procedures and ensured that each letter was delivered within the stipulated timeframe.
The certified letters were delivered and received by XXXX, XXXX, and Jefferson Capital System on or before XX/XX/2023. The tracking numbers for each delivery are as follows : XXXX : XXXX XXXX : XXXX Jefferson Capital System : XXXX I urge you to verify the delivery of these letters by visiting XXXX using the provided tracking numbers. Despite the undeniable receipt of my correspondence, I have yet to receive any documentation from Jefferson Capital System regarding the validity of the debt in question. Moreover, I have not been informed of any investigation results from either XXXX or XXXX within the mandated 30-day period.
This situation not only undermines my consumer rights but also tarnishes my creditworthiness unfairly. I have taken the necessary steps to address a concerning discrepancy on my credit report, and the lack of response and cooperation is very frustrating. The disregard for my rights as a consumer is troubling and goes against the very principles that the FCRA aims to uphold.
I implore the Consumer Financial Protection Bureau to take swift action in this matter. XXXX, XXXX, and Jefferson Capital System must be held accountable for their failure to adhere to the FCRA regulations and for their evident negligence in responding to my inquiries. I request that this account be immediately removed from my credit report.
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| 03/23/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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on XX/XX/XXXX I received a letter from Jefferson Capital Systems LLC stating that acct # XXXX XXXX Ref # XXXX Debt Description : XXXX ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt.
I contacted XXXX at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this XXXX account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used XXXX to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this XXXX account was linked to as it is separate from the legitimate XXXX account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX.
I contacted XXXX XXXX at the number provided XXXX per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to XXXX for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to XXXX & XXXX XXXX.
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| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
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| 06/08/2015 |
Yes |
- Debt collection
- Federal student loan
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent.
Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt.
I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment.
Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent.
As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing.
I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans.
I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.
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| 02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter, dated XX/XX/XXXX, from JEFFERSON CAPITAL SYSTEMS , LLC ( JCS ) claiming that I owed a past due debt. No information was provided other than a dollar amount and a financial firm 's name - no description was offered, no date, and no other backup information of any kind. I know that I did not have any past debts, but I was concerned that someone had possibly incurred debt under my name. I therefore indicated that I disputed the debt and requested, by certified mail, that JCS provide information on the debt that they indicated I am entitled under the Fair Debt Collection Practices Act ( FDCPA ) so that I could understand their basis for claiming that I owed a debt.
In their second letter, dated XX/XX/XXXX, they did not provide any further information as I was entitled under the FDCPA and as I requested. Instead, they asked me to certify that my identity had been stolen. Prior to receiving the second letter, I had contact the financial institution who was the supposed holder of the original debt, and they indicated that my accounts had been closed with no balance and that I did not owe anything. I sent another letter with this information to JCS and again requested that provide me with information as required by the FDCPA such as : - A detailed explanation of the charge - The date of the charge and supposed default - Name of the charge-off creditor and account number - The name of any other debtor or creditor associated with the charge - The names of all entities that have purchased the debt - A copy of any and all contracts or documents evidencing my agreement to the debt In their third letter, dated XX/XX/XXXX, they again did not provide me any information at all to corroborate the supposed debt. Instead, they simply said that because my debt was too old that they were closing my file and would pursue no additional action. This reason is nonsensical because they must have known the age of the supposed debt before they sent their first letter ( even though they never provided that information to me ). Their refusal to provide any information whatsoever regarding this supposed debt and to dismiss it leads suggests that their closing of the case occurred because the debt was fabricated, and that JCS knows that the debt is fabricated. I believe this is why JCS refused to provide me with information that they are required to provide by the FDCPA.
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| 11/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 09/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 04/28/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Good afternoon, I contacted Jefferson Capital Systems , LLC. to get a debt validation prior to proceeding with their allegation I owe a debt especially since I've never done business with this company. This was sent XX/XX/XXXX and they received XX/XX/XXXX confirmed through Certified Mail. In my debt validation request in which I have the right to request under 15 usc 1692g, I asked Jefferson Capital Systems , LLC. to provide validation through : * The amount of the alleged debt * The name of the original creditor to whom the debt is owed * The name and address of the original creditor which differs from XXXX XXXX XXXX * The agreement between Jefferson Capital Systems , LLC and XXXX XXXX XXXX granting Jefferson Capital Systems , LLC. the alleged right to collect on XXXX XXXX XXXX behalf * A statement that if I notified Jefferson Capital Systems , LLC in writing within 30 days that the alleged debt is disputed, Jefferson Capital Systems , LLC must give me the verification of the alleged debt and a judgement against me the consumer * Any insurance claim submitted by any creditor regarding the account in question.
I stated if any of the information requested isn't received or provided and an invalidated debt is still being reported to consumer reporting agencies, I will have to exercise my rights under 15 usc 1692k which includes for me filing this complaint through the CFPB.
In response to this call to action on XX/XX/XXXX I was sent misleading and offensive information stating " they can't sue me due to law limits of time when they can sue on the debt. '' They state " if I dont pay the debt, they may or continue to report to credit reporting agencies as unpaid as long as the law permits this reporting. '' They also included 1 false and misleading representation of what they call a " verification '' of the alleged debt which is nothing but a statement from XXXX XXXX XXXX being sent to MS XXXX XXXX XXXX dated back to XX/XX/XXXX reporting on the alleged debt. This is not a validation of the alleged debt as I requested. This statement doesn't address any of my validation requests and is intended to mislead me on information regarding the alleged debt. This isn't right and I will like to continue to take action against Jefferson Capital Systems , LLC. pursuant to 15 usc 1692d. Thank you for helping me to bring remedy to this unfortunate circumstance.
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| 09/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/21/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2017 I changed my wireless mobile provider from XXXX XXXX to XXXX XXXX XXXX. When I left XXXX wireless my account was in good standing with {$0.00} balance owed. Several months later I received a bill from XXXX XXXX in the amount of over {$1200.00}. When I called XXXX XXXX and attempted to find out what this bill was for, no one could figure it out and stated to me they arent sure. I advised them that I was not sending any payment to them unless they can clearly explain to me what the bill was for, because I confirmed via telephone with a XXXX XXXX representative when I made my last billing cycle payment that there was absolutely nothing left else I owed ( hidden cost, termination fees, etc. ). But he insured me that there was nothing else. For a few more months I attempted on multiple phone calls to them over and over again to find what this bill was I received for more than {$1200.00} but every time, not a single person understood it and was not able to explain anything at all to me. Eventually they sent it to collections where it still remains and continues to hold my overall credit score down. After a few months of it being in collections I went to a local XXXX XXXX corporate store and went over the bill with a manager there, who was the first intelligent person to figure out what they were looking at and explained to me it looks like XXXX XXXX continued to bill monthly cycles under my account, even though the account was terminated the day I switched to XXXX XXXX XXXX. How do you bill Someone for months that isnt even no longer a customer? This is a huge mistake on XXXX part and because of their negligence, my credit has been severely damaged! I cant even talk to someone with XXXX XXXX to have them straighten it out since its there fault, because they told me they no longer hold the account, and that the collection agency ( Jefferson Capital ) now holds the information. And when I called Jefferson capital to notify them that they were sold a bogus account from XXXX XXXX, they advised me there is nothing they can do for me and just kept asking me how I want to pay it? I told them I was not paying anything because there was no debt in the first place. I need this matter to be deleted from my credit history and wiped clean immediately. This has been so unfair and has really caused a lot of headaches financially for me.
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| 03/04/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Notice for Proof of Claim Account : JEFFERSON CAPITAL BAL {$580.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
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| 12/18/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX
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| 10/26/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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1. I assumed a loan from XXXX in XXXX.
2. Late XXXX early XXXX Aging parent issues and loss of income caused me to hire XXXX XXXX to negotiate a settlement agreement with XXXX.
3. Filled out the application with XXXX XXXX using current address since XXXX in Maryland.
4. XXXX sold the debt to Jefferson Capital ( collections ) in XX/XX/XXXX after XXXX XXXX had started negotiations.
5. Jefferson Capital decided to use my old address in XXXX, PA which I moved from in XXXX. I have not owned the property since. Correspondences were sent to that address which is over 12 years old and was not entered into my application with XXXX or XXXX XXXX. Therefore Jefferson Capital ran my history and intentionally entered the incorrect address, which disallowed proper correspondence. Had they used my address as of XXXX, as noted in line 3, this debt could have been resolved last year and my credit would not have taken as much of a decline. I verified this when I called Jefferson Capital, after I learned through XXXX XXXX who owned the loan, when the XXXX XXXX agent I clarify my address for verification. I gave him the only address I used on any applications since XXXX in Maryland. He said that the MD address was not correct. I finally figured out they used my old address after he told me the city of the old address ( XXXX, PA ). I spoke to a " supervisor '' who stated XXXX XXXX had that address and gave it to Jefferson Capital. I know that's in accurate as I have received all mail from Beyond Finance to my address in MD. I contacted XXXX XXXX and they said the old address is not anywhere on my application. I paid Jefferson my debt, but their practices in this case are deceptive and designed to prolong the debt to increase their interest to collect. This is afoul of current law and abusive practices. Due to their intentional practice of using an address I have not resided at since XXXX, I was never given the opportunity to address the matter as legally provided. I demand this debt be erased immediately and my credit score restored to the equivalent of the points deducted due to their mismanagement and predatory practices. This was not a clerical error in any fashion as my loan was made in XXXX, 10 years after selling the house in XXXX, PA.
cc : Honorable XXXX XXXX XXXX, XXXX XXXX XXXX
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| 11/28/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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In XX/XX/XXXX-XX/XX/XXXX, I 'd attempted to make payment arrangements with a representative of the company to begin to pay my debt. The first agreement was {$50.00} for two years until the year XX/XX/XXXX. I was unemployed and single mother. It was one month that I 'd asked the representative for lower payment ( {$25.00} ) just until I could get on back on my feet. The representative agree, but the company had still taken the original amount. Since it was an unauthorized payment amount taken, I 'd asked the representative for paper statements because I did n't want them no later to withdraw payments from my bank account. The representative refused and told me that they did n't have mailed paper statement it was only bank account withdrawal and if I 'd refused it would be a considered a breach of contract and my credit would be affect. I 'd still refused to approve him to continue to withdraw the payment, because they 'd breached contracted by withdrawing the more than I 'd authorized during this time. He 'd then stated that my account would still be considered valid and it would affect my credit. Since then, I 've tried to apply for credit and other loans to have better myself, I 've been disapproved every time and once I 've reached out to verify the account information as far as the balance, I 've not received any information. The account was originally owned by another creditor, in which they 'd bought the account, and I do n't agree with the amount and want to know how did they come with it. I 'd borrowed {$10000.00} from XXXX XXXX while I was a student at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The company is stating that I owe over {$24000.00}! I do n't think I 've accumulated that much interest. They are negatively reporting information to the three credit bureaus or missing information. Also, since this company ( XXXX XXXX XXXX ) had bought an original creditor ( XXXX XXXX ) 's account that was going through a federal investigation, I 'd received a settlement judgement that they did n't follow protocol with reporting information for servicemembers of Armed Forces. There 's also multiple accounts, but I 'm unsure which is accurate and why they 're not reporting any information and just keep reporting without sending me information to handle the matter.
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| 11/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Formal Complaint Regarding Harassment and Violations of the Consumer Financial Protection Act ( 15 USC 44 ) and Federal Statutes ( 12 USC 839 ( a ), 12 USC 1431 ) I am writing to formally complain about the conduct of your agency, JeffCappSYS, in its debt collection efforts. This letter is intended to address a series of violations of the Consumer Financial Protection Act ( CFPA ), specifically 15 USC 44, as well as other federal statutes, including 12 USC 839 ( a ) and 12 USC 1431.
It has come to my attention that your agency, JeffCappSYS, has been consistently engaging in debt collection practices that not only infringe upon my rights but also disregard the principles of fairness and legality outlined in federal statutes. This conduct has caused considerable distress and hardship in my life.
First and foremost, I have been subject to relentless and unwarranted harassment in violation of the CFPA. The frequency and nature of the communications I have received have far exceeded the legal boundaries set by 15 USC 44. The excessive number of calls, the use of foul language, and a complete disregard for my privacy have caused considerable anguish.
Furthermore, I am deeply concerned about the methods employed by JeffCappSYS in its collection efforts. The absence of documentary evidence and contractual transparency, as required under federal statutes, including 12 USC 839 ( a ) and 12 USC 1431, has raised serious doubts about the legitimacy of the debt in question.
I request that JeffCappSYS immediately ceases all forms of harassment and misconduct, as required by the CFPA and other federal statutes. I also demand transparency and adherence to the relevant laws in the handling of this debt.
Failure to address these concerns and rectify these violations will leave me with no choice but to take appropriate legal action to uphold my rights and seek remedies provided by law. This formal complaint serves as a clear indication of my intent to protect my rights and address the misconduct I have endured.
I expect a prompt response to this complaint, confirming your commitment to rectify the situation and outlining the steps you will take to ensure compliance with the law. Your cooperation in this matter is imperative to resolving this issue amicably.
Sincerely,
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| 06/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have received phone calls and payment offers from " Jefferson Capital Systems LLC. '' They have two reference numbers : # 1 is for - XXXX XXXX {$960.00} # 2 is for- XXXX XXXX {$96.00} I do not know what either account is for and I have disputed both of them via the XXXX XXXX site for that very reason. I have done this several times. When I have called JCS and inquired about XXXX they told me the phone number affiliated with it ended in XXXX. That has NEVER been my phone number, ever. I have asked for a statement or billing affiliated with this account from both XXXX and JCS and have not be provided one ever.
As with the XXXX XXXX, I do not know what this account is and do not recall opening it. I have also asked for a detailed statement and I have not been provided one. When I call the number for XXXX XXXX provided by Jefferson LLC, they tell me Jefferson LLC is handling it. When I speak to Jefferson LLC, they tell me XXXX XXXX is handling it. Eitherway, I have told both of them that this account is not mine and I want a statement. I have asked several times over the last several years and have yet to be provided anything.
Recently, Ive received charge off options from Jefferson in XX/XX/2022 but these accounts are not mine so it doesn't feel right to pay them especially when money is tight. Finally, Ive called XXXX XXXX directly today to see what can be done and have been told to do this. I believe my identity has been stolen. The amount of XXXX and {$960.00} are just too close to be coincidence. Jefferson Capital told me it is a coincidence but I don't believe it. Also, I attended XXXX XXXX XXXX XXXX, so when I saw Jefferson Capital Systems on my credit report I immediately thought it was a student loan. There are just way too many coincidences surrounding these debts.
Both of these accounts have brought my credit score down significantly and has cost me a lot in finance charges for other accounts I've opened and not gotten better finance rates for.
I would have been more aggressive with this but I pursue this when I have the funds to make a payment, and the time, as I have XXXX children and twin XXXX XXXX XXXX. I also thought for a while this was college debt due to the name of the collection agency.
Please let me know what else you need.
|
| 06/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, XXXX XXXX XXXX., on behalf of XXXX XXXX XXXX has placed it back on my credit and requesting funds. I disputed it online with XXXX and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX via online dispute, I received a notice in the mail from XXXX XXXX , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to XXXX XXXX XXXX, but I have read online through the XXXX that people said their letters were returned to sender from XXXX XXXX XXXX. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.
|
| 04/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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My issue with this debt I believe began in XXXX when I discovered via a credit report that XXXX XXXX XXXX accounts had been started in my name using an address I was no longer living at. I have never had a XXXX XXXX plan and have always been on an XXXX XXXX XXXX family plan with my parents and siblings since I was a teenager. That plan is under my parents ' name and I have never had another cell phone that was not on their plan.
At some point around this time I also received a call from a debt collector ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ) trying to collect on this / these account ( s ). When I discovered all this I tried to report ID theft on the XXXX XXXX website, but it said I needed a police report in order to start the ID theft process. When I went to a police station and tried to submit a police report I was told I needed a paper copy of one of my bills that had the account number on it. But as far as I know I had never received any bill because the address used to open the accounts was one I was no longer living in at the time the accounts were apparently opened.
Subsequently as I was going back and forth between XXXX, debt collector and police department, I saw that on my credit report the debt and the accounts associated with it had disappeared, and there were no outstanding debts listed as being associated with my name or my credit report. Although I had not successfully filed a police report I took this to mean that somehow the companies involved had understood that it was fraudulent debt, and I stopped receiving any contact about the debt from collections.
However a few years later I once again received contact about what is apparently the same debt from a different debt collector ( JEFFERSON CAPITAL SYSTEMS LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I first received contact from them via phone on XX/XX/XXXX but I believe they may possibly also have tried to contact me at my parents ' residence via mailmy parents subsequently forwarded several bills to me from the debt collector. The bills I have on hand are dated XX/XX/XXXX and XX/XX/XXXX but they have sent several others as well. At this point I am once again attempting to navigate the process of disputing the debt and having it removed from my credit report.
|
| 04/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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ATTENTION DISPUTE DEPARTMENT JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Appli
cability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX
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| 01/07/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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I received a letter on XX/XX/2020 from a firm called Jefferson Capital Systems LLC stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " XXXX ACCOUNT. '' After reviewing my e-mails and XXXX and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from XXXX notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from XXXX stating that my balance had been sold to the creditor Jefferson Capital Systems LLC.
The letter sent by Jefferson Capital Systems LLC dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history.
The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXX in XX/XX/2020. There was not attempt by XXXX/XXXX to notifying me of the balance they sold to Jefferson Capital Systems LLC of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020.
While I was initially unaware as to what this balance could be when receiving the letter from Jefferson Capital System LLC, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account.
In this case, I believe that XXXX and Jefferson Capital Systems LLC are both fraudulent operators. XXXX XXXX fraudulent activity including the sale of accounts receivables to J
efferson Capital Systems LLC in which they had already received payment from the initial customer. I believe that Jefferson Capital Systems LLC is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to Jefferson Capital Systems LLC to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the Jefferson Capital System LLC 's ownership of the balance and request for payment.
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| 06/27/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report
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| 06/17/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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TODAYS DATE : XX/XX/XXXX JXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXXXXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
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| 02/07/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Received email notification on XX/XX/XXXX from XXXX XXXX that there was a change to my credit report. I checked the details and found a collection had been added to my credit report. The company is XXXX XXXX XXXX, out of XXXX. XXXX, MN. I called several times, the hours are limited to contact someone at their business. I wrote a letter and requested details because all the details I had on my credit report was " XXXX XXXX XXXX ''. I called XXXX received XXXX help ( see attachments, letter from XXXX ). I visited my local XXXX to try and investigate this issue, no records. They said they sent my debt to XXXX XXXX. I wrote a letter to the Attorney General of Minnesota with the details ( XXXX is a MN business ). I have attached all letters with the details. I called XXXX XXXX early this morning ( XX/XX/XXXX ) and finally got ahold of someone who could explain. I don't even have an account number ( XXXX ) I can refer to so this could be researched. Apparently Attorney General of Minnesota had reached out to XXXX XXXX XXXX to get details and got this moving along. According to the two individuals I spoke with at XXXX XXXX ( XXXX and XXXX ) today ( XX/XX/XXXX ) they are sending a manual request to the three bureaus to remove this from my credit report. That's great but in the meantime qualifying for a home equity loan has been denied because of this. Received no notification, no letter, no phone call, nothing to give me advance notice of this collection, XXXX just attached it to my credit report! My issue is now with XXXX because they either sold this alleged debt to XXXX XXXX or XXXX XXXX purchased " old '' debt from XXXX and attempted to collect their share. This was for {$85.00}!!! I have attached a letter from XXXX which is the most unhelpful piece of correspondence. XXXX needs to investigate this and remove me from their database. This alleged debt is for a debit card and the date was XX/XX/XXXX. I still do not have the details. Any help you can provide would be most helpful. In the meantime I am closing all of my XXXX credit card accounts ( zero balances by the way, have been excellent customer of XXXX ). The debit card was never used and don't understand why it would have a {$85.00} balance from XX/XX/XXXX.
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| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service.This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 10/17/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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I had an account with XXXX XXXX XXXX and I never use the account never once charged it. I ended up very sick emitted to the hospital stayed there for 6 weeks and during that time somebody had gotten hold of my credit card that was too XXXX and they charged it all the way to the {$300.00} limit. Every so often I check my credit report on a regular basis throughout the year and I came across the XXXX account listed as derogatory and had multiple months without payments made. if someone would review my credit file I believe it's apparent I was unaware of the charges, I have been excellent with paying bills on time and to keep my available credit around 50 % .so after I found the error on my file I called XXXX and ask them what was going on. I thought maybe it was an error on their end but it wasn't it was somebody who had fraudulently charged my account so I disputed it with them it took a while but eventually they did actually remove the whole account in my favor after I provided enough relevant information that shows that I I did not authorize any transactions to do with that and I will provide that dispute letter that resulted in the deletion as of XXXX that out of the way, my current problem is that while I was fighting XXXX to correct the item, it evidently went into collections and sold to a debt collection agency known as XXXX XXXX . I thought it would be easy to remove the XXXX account being I do not owe them anything. I have called XXXX, disputed them twice proving to them with documents showing im not in debt to either company. I've felt more than once disrespected when trying to reason with a representative .instead of showing an empathy type of demeanor towards me for having all this stuff to deal with that I don't deserve, I get an offer for them to remove the collection of my file IF I pay only XXXX dollars instead of XXXX. Long story short im either not understanding something or XXXX XXXX is holding this hard credit hit over my head until they get paid something XXXX dollars would be well worth it to be done with this nightmare and I have the means to pay that but it's the principle of how im treated according to my actions. I refuse to pay for something a criminal stole from me.
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| 12/04/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have filed a complain with the XXXX against this company. But when I reviewed the other complaints listed there, I discovered that every single complaint was about the same thing as mine. This company clearly is employing some illegal tactics to get people so scared that they will pay for a debt they may not owe. I want resolution for my own problem, but I also think that the CFPB needs to put this company on warning so that they stop preying on people who may not realize their rights. For each of the people who complained, there must be thousands more who are falling victim to this company 's repulsive system for making money on people who thought they had gotten out of debt.
I discovered the problem today because my credit report went down by 29 points, though I have been working very hard to restore it during a horrific divorce. I am in the middle of applying for mortgage modifications and need to keep my credit score intact during these very difficult times. I was shocked to see this company had filed a collections notice against me though I HAVE NEVER RECEIVED A COLLECTION NOTICE FROM THEM. They clearly bought this debt from someone else and have never bothered to look into it. This debt is probably from XX/XX/XXXX, and was my soon-to-be-ex-husband 's share of our phone bill. He left me with many debts and sole responsibility of XXXX children, and I explained to XXXX at the time that I was not able to pay for his phone bill, which was listed under a family plan. I thought that XXXX had thereafter cleared that debt and I even worked with a credit counselor who also worked to ensure that debt was clear.
Now, out of nowhere, at the worst possible time, this company buys a debt that is at least 8 years old and lists it on my account as collections, completely destroying the credit I just spent a year rebuilding. This is not a new debt and I have not received anything ever from this company about this debt. They are destroying my chances to get a mortgage modification over a debt that did not belong to me and is over eight years old. I don't even think that the amount is accurate ; they list the debt as {$500.00} but I don't think this is even based on an accurate bill from 8 years ago.
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| 10/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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I received notice on my XXXX credit report about a XXXX bill that was delinquent and had been bought by a collection agency. I do not remember having a XXXX account and this bill of over {$2500.00} that is more than 3 years or more old, possibly older, is not mine. I had an XXXX XXXX XXXX cell account and then I opted to switch to XXXX. XXXX paid my old XXXX XXXX XXXX account off and I continued with XXXX until XXXX XXXX caused me to not be able to continue cell service, because I wasn't able to work at the time. XXXX was helpful and that account was taken care of due to the declared disaster. Other than that, I have not had a cell account in my name, especially with XXXX. I wrote in and disputed in XX/XX/2021, and the Collection Agency said they had legal rights to collect and it was my debt. I have not been sent a copy of the signed, original contract, not have I been given any information at all about this account. I resubmitted a dispute today, and in the same day was told it was resolved and is mine. XXXX said that if I was not satisfied with the outcome of the dispute, I needed to contact CFPB. That is why I am here. I do not owe this bill and this collection company has not provided anything but a written statement to XXXX, stating how much I owe, that the claim is legit and it meets the criteria to be billed to me. I find this not only humiliating, dehumanizing and manipulative, but in a pandemic where we have just become homeless, and are doing our absolute best to be able to afford a motel room and food, as well as keep gas in our vehicle to get to and from work, this is causing a lot of undue stress and hurting my credit so badly, I will never get it turned around. I'm asking for a copy of the original, signed XXXX contract along with the phone 's serial numbers, IMEI numbers, phone numbers, date account was originally opened, where it was opened ( online or in store ) and the amount, if any that was paid up front for this account. Also, if the account had any money paid up front, were the funds, cash, credit/debit card or check. If credit/debit or check, I am asking for a print out of the payment method, as well as a copy of the address and phone number attached to payment method.
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| 02/07/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom this may concern, XXXX XXXX reported my account with a balance of {$0.00} in XX/XX/XXXX. In the attachments provided you will see my last payment date of XX/XX/XXXX. XXXX XXXX is requesting that I provide more information than what has already been updated on my credit reporting. It is illegal for your company to obtain an account without having all of the information. In the next 30 days, I need to view my ORGINAL CONTRACT W/ A COPY OF MY SSN AND MY ID to prove ownership and not identity theft. Reason : Per my credit reporting account w/ XXXX XXXX has been closed sinceXX/XX/XXXX with the last payment being XX/XX/XXXX. I am also requesting my ENTIRE FILE that way your company can be provided all necessary information regarding my payments. If you are unaware of this information you would need to contact XXXX and update my reporting. I have no recollection of any business with XXXX and I would also like for you to prove that I owe XXXX. XX/XX/XXXX I do plan to take legal action thus you have already been provided proof showing debt is not valid and made of abuse of credit reporting.
XXXX XXXX XXXX Last 4 : XXXX Previous information was submitted XX/XX/XXXX via email after sending correspondence week of XX/XX/XXXX via mail. ( XXXX previously advised they can not received proof via email only mail-stall tatic easy way for company to state they never received and or stall disputing process. ) Orginal disputed information contained snap shots showing XXXX XXXX XXXX balance XX/XX/XXXX last payment XX/XX/XXXX. When following up with XXXX to be sure receipt of information they stated they have received information and requested for me to send them further information such as contract/agreements made to resolve the balance. I then advised XXXX that since they purchased account they should have all information necessary regarding file and should not need me to send anything to verify. If they do not have information they have to go off of what was provided by their client and their client has provided them misinformation per credit reporting. I then sent the above information XX/XX/XXXX with attachments from credit karma showing balance has been resolved. Please help with this issue.
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| 11/16/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ). This letter is being sent to Jefferson Capital Systems in response to a listing on my credit report. The listing states that I opened an account on XX/XX/2019 and have a balance of {$830.00}.
THIS IS COMPLETELY FALSE. I NEVER OPENED AN ACCOUNT WITH ANYONE IN 2019. I DO NOT OWE THIS DEBT. THIS DEBT IS NOT MINE. THIS DEBT HAS NO RELATION TO ME AND I NEVER TOOK OUT ANY CREDIT IN RELATION TO THIS PURPORTED DEBT.
There is NO contract or other instrument bearing my signature, and therefore Jefferson Capital Systems is attempting to collect a debt for which they have no account level documentation showing I owe it. Because there is no proof of such, and I do not owe this debt, I demand immediately for Jefferson Capital Systems to correct the erroneous reports of this past debt as mine. I ask Jefferson Capital Systems to provide the following information to me and the CFPB : Please show evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
What is your authorization of law for your collection of information?
What is your authorization of law for your collection of this alleged debt?
Please show evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and ID to assure youre after the correct consumer.
Please provide a complete account history, including any charges added for collection activity.
Jefferson Capital Systems failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of their claims in this matter, and will entitle me to presume that Jefferson Capital Systems placed this on my credit report ( s ) in error and that this matter is permanently closed. There is no proof, because none exists! Correct the record and remove this invalid debt from all sources to which you have reported it. I am under contract to purchase a home and this invalid, incorrect, and erroneous listing is preventing me from moving forward in building my dream home. It is causing me distress both emotionally and physically.
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| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am filing a complaint of non-compliance against XXXX XXXX who sent a letter to on XX/XX/XXXX and XXXX on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ).
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
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| 04/07/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX in an attempt to collect a debt in the amount of {$5700.00}. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account before I even received the letter from XXXX XXXX XXXX. This was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name Jefferson Capital System ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. Please be advised I have requested VALIDATION { not verification } ( Notarized and Emailed on XX/XX/XXXX -- Still Within The 30 Days of XX/XX/XXXX ) of an item sold to XXXX XXXX XXXX by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
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| 03/25/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX XXXX and XXXX ) The collection Agency JEFFERSON CAPITAL SYSTEM which is on XXXX XXXX XXXX XXXX XXXX, MN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.
- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.
- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.
There is over {$15000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.
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| 02/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 11/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEM submitted a collection account to credit reporting agencies that was previously investigated, resolved and removed from my credit report. It appears XXXX XXXX XXXX sold the debt to JEFFERSON CAPITAL SYSTEM after the account was deleted from my credit report. I requested from XXXX to generate a bill to verify the debt, they were unable to generate a bill. I also communicated that both XXXX and this debt collector as well have never properly communicated to me that there was an outstanding debt and have never provided any documentation after several attempts requesting that they provide documentation. Once again in the report, they are reporting this account to be a XXXX account however when XXXX XXXX XXXX reported the account they reported the account as XXXX XXXX XXXX. These are invalid, undocumented, false statements and I have not received any documentation thus far to confirm the validity of this information.
Below is the detail information from the prior investigation.
REF # XXXX XXXX XXXX XXXX XXXX XXXX - CFPB Dispute submitted on XX/XX/20 I called XXXX XXXX XXXX and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX did not. I am requesting that these companies provide proper documentation supporting the debt.
|
| 05/18/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I recently saw this account added to all three of my credit reports, but have no knowledge and have received no notification of the debt. On my XXXX credit report it is listed twice as a collection and once as an active account in good standing. I don't understand this as I have no contract with this company. I have not received any written notification and have not been provided an opportunity to request verification and/or validation of this debt. I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act. I have now made disputes through XXXX, XXXX, and XXXX. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' and have yet to receive any information. They indicate I owe {$970.00}, but when I talked to an employee there he said they can lower it to ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added to my credit reports. It just showed up about 3 weeks ago within a few days of each other, and shows it has been reporting sinceXX/XX/XXXX, which is incorrect as this same debt was being reported by another agency and this was removed from ALL of my credit reports just last month, which means they are stating they were engaged in duplicate reporting. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. XXXX is in full violation of the law and this needs to be taken today. I am also advising concerns that they do not have my proper info. They were not able to verify my correct address or refused to and wanted me to do so and I have not received any information from them regarding any recent activity from phone calls and or their supposed debt purchase and entry of information onto my credit reports for all 3 reporting agencies.
|
| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX I was contacted by a collections agency regarding a delinquent debt with XXXX XXXX around {$110.00}. I told them I did not have any outstanding debts with XXXX and they had the wrong person. I followed up directly with XXXX XXXX, my cellphone provider, and XXXX XXXX validated that my account " has always been in good standing. '' Monday XX/XX/XXXX, at XXXX EST, I was contacted by " Jefferson Capital Systems '' headquartered in XXXX XXXX, Minnesota again on my personal cellphone number. The representatives name was XXXX and he was in calling from XXXX, XXXX.
XXXX was collecting an outstanding debt as a result of a delinquent account held by XXXX XXXX in the amount around {$110.00}.
I insisted that this was not my debt, stated I already told them the last representative this in XX/XX/XXXX, I had previously called XXXX to make certain my account was in good standing, and " Jefferson Capital Systems must stop calling me concerning an outstanding this debt with XXXX. '' XXXX pressed me to validate my date of birth and last four of my Social Security Numbers. I refused three times because I am not legally required tto do this, he is a stranger, and this debt collection is illegitimate & not mine.
XXXX said he would read the last four Social Security numbers of the person responsible for the debt.
I said that is illegal for him to do. I do not want to know their social security numbers, and I want nothing to do with this. I told him stop calling me.
XXXX then said the only way the calling can stop is for him to read the last four social security numbers aloud to me and I had to say whether they were mine or not. If not mine, then and only then, I would stop receiving debt collection calls from " Jefferson Capital Systems concerning outstanding this debt with XXXX. '' I reluctantly agreed. XXXX read out loud the last four Social Security Numbers.
I stated : " No. Those are NOT my last four Social Security numbers and you must stop calling me. '' He agreed to stop calling me. I said I was reporting this to the CFPB and he said " XXXX you're taking this too far. '' Call ended.
Phone number from : XXXX Phone callback number ( per XXXX ) : XXXX
|
| 07/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A fraudulent account with XXXX XXXX was opened without my consent using my social security number. They charged {$1100.00} dollars, and I never received a bill or was notified that an account had been opened in my name until the amount was sent to collections. I began receiving letters from Jefferson Capital Systems ( the debt collector ) about this amount owed, as well as daily phone calls requesting that I pay. I contacted XXXX on XX/XX/XXXX to dispute the charges as fraud identity theft, and after an investigation, they determined that I was not responsible for the charges on the account, and thus cleared any debt owed under my name in their system. They also said that they would send notice to all three credit bureaus that the debt was not legitimate. I also called Jefferson Capital on XX/XX/XXXX to try and clear the debt on their end, and they said they would open an investigation to the legitimacy of the debt. I gave them information regarding the results of XXXX 's claim dispute which stated that I did not owe the debt. The calls and collection letters did not stop. On XX/XX/XXXX I called XXXX again to check on the status of my claim dispute, since I was still receiving collection letters and daily calls. They told me that they would send another notice to the credit bureaus and to contact Jefferson Capital. I contacted Jefferson Capital again on XX/XX/XXXX and they again told me that they would dispute the claim. I stopped receiving collection letters and phone calls around XX/XX/XXXX, but when I checked my credit report recently, I saw that I am still under collections for {$1100.00} by Jefferson Capital. I called XXXX again on XX/XX/XXXX to make sure that the dispute had been settled, and they sent yet another notice to the credit bureaus and recommended that I dispute the fraudulent debt with the bureaus directly. I also filed a local police report for identity theft on XX/XX/XXXX detailing the situation. Thought I was a victim of identity theft and my name has been cleared of all supposed debt by XXXX, my credit report is still being negatively impacted by the {$1100.00} in collections by the debt collector Jefferson Capital Systems.
|
| 03/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
I received calls asking for {$44.00} to XXXX and I told the person I didn't know what they were talking about and they had me do a complaint over the phone with them saying that I didn't know anything about the money. The were very admit that I did owe this {$44.00} because something that XXXX had done. I asked to speak with the manager and I thought that everthing had been taken care off ; then I received this letter from a Jefferson Capital. I called the number to ask what this was about and say that I didn't borrow {$44.00} the man starting asking odd questions so I asked to speak with a manager. He would not transfer to a manager said if I didn't tell him what he wanted then He would not help me. I tried for a second time and then told him that I would falllow up with an attorney. as I looked over the documents I noticed on the back of the frount page there was writing and it communicated information about The Federal Trade Commission and I tried to produce a complaint when was transfered to CDPB.
Can you please help in this matter. thier contact informaion is Jefferson Capital Physical Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( This is what it says ) Debt Description : XXXX ACCOUNT Account # XXXX Current Creditor : Jefferson Capital Systems LLC JCS Reference # : XXXX Amount of the Debt : {$44.00} Unless you contact us in 30 days we will assume the debt id valid.
The date of this letter was dated XX/XX/XXXX and I just recived it not toolong ago and this is XX/XX/XXXX. This this just is so odd they say that if I contact them within 30 days after the letter then they will give me a copy of the judgment against me. very odd.
the whole thing is that I really have no Idea of what they are refering to in the first place and I believe they are doing this to a lot of people to get money. I beive this is fraud a scam to scare people so they will say that it such a small amount let me just pay it. No Way I will not be that somebody who will be taken advantage and it is my American right to stand up help the others who may be the victim of a crime such as this.
Thank you for your assistance in this matter.
XXXX XXXXXXXX XXXX XXXX XXXX
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEMS , LLC ATTN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XX/XX/2022 Alleged Debt Amount or Balance : {$640.00} Dear JEFFERSON CAPITAL SYSTEMS , LLC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
|
| 11/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX, My XXXX XXXX XXXX daughter opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before Jefferson Capital Systems and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX that was wrongly taken out of my possession in XXXX from XXXX XXXX XXXX. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost 4 years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like XXXX XXXX XXXX. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have only had XXXX XXXX, XXXX and XXXX XXXX XXXX . I had XXXX XXXX since the XXXX 's. Then switched to XXXX XXXX XXXX when I moved to XXXX XXXX in XXXX, I moved back to XXXX in XXXX and started with XXXX then back to XXXX XXXX XXXX. I was checking out my Credit report a few years ago and noticed there was a bunch of addresses, phone numbers, names, inquiries, & debts. I clicked on all the stuff that wasn't mine like XXXX. Time past, I forgot about it. I was able to get a free credit look through different places. I called XXXX and disputed a bunch of stuff. Nothing got removed. I would keep getting people from the XXXX. I called XXXX. I gave them my SSN, the agent said the name and address was not under XXXX or the address he gave me was not mine. I called XXXX again, and spoke with someone who managed to get some stuff off. The XXXX finally was gone. about 6 months ago I noticed there was inquires that was not mine. I called and spoke with someone who spoke English. She got rid of all the stuff that was not mine. then a few months later a new debt was there. It seemed that XXXX XXXX bought XXXX and now they reported it. I dug through all my bank statements. I was able to go as far back as XXXX. I highlighted my XXXX XXXX XXXX payments. I told them that I couldn't have lived in two places at the same time and have two different phone bills. It didn't make sense. Even with the proof, I called XXXX XXXX, they had not go one call from XXXX to check if that account belonged to me. They said they would have a record. I mailed the same proof to XXXX XXXX to dispute this. They say send supporting evidence, and I do and they still will not remove this. If you look at my credit, it was good then you can see where XXXX came out of nowhere. The XXXX dropped off and now it's like they found a loophole to keep putting a debt back on a credit report after statues of Limitations. This sounds illegal. It's not even mine. I don't know what else to do. The police can't do anything except make a report. My wallet was stolen at the beach at one time. I don't remember when exactly. I lost my passport many years ago. I reported this all.
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This letter is regarding account # XXXX, which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within XXXX days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
- Very Respectfully, XXXX XXXX
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/2019 this debt was settled in full for {$2300.00} ... See payment in full receipt and cashier 's check.
These XXXX at XXXX XXXX XXXX XXXX, XXXX, Texas decided to break the law and pursue additional collections by passing, selling or sharing this account with other affiliated collection companies. XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX, XXXX, and the originator of the account Jefferson Capital Systems , LLC far beyond the payoff date above in order to Extort more funds.. It didn't work.. So they turned to damaging vehicles and personal threats to attempt to Extort more funds. The stalking and harassment all over XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has gone on in person and in vehicles for 4 years now..We finally were given advice by an FBI Agent to set up hidden video surveillance and draw them in to where I would park my vehicles and then move every 4 to 7 days to a new location to see if they follow and sure enough the agent was dead on with his advice. We recently turned over the video evidence to XXXX XXXX Police XXXX, XXXX XXXX Police XXXX. and the FBI in XXXXXXXX XXXX. They will retain this file until we proceed with our Civil Court Action and move from there. XXXX affidavits as of this date along with 13 witness 's, 4 police agencies that are being subpoened along with 22 cars with plates that have been verified for owners and use.. Want a sample : XXXX XXXX at XXXX and XXXX in XXXX XXXX filmed from a friend 's apt . on the corner behind shutters in the front room, we won't give plates you have them, XXXX XXXX at XXXX XXXX and XXXX XXXX across the street filmed from from a sitting vehicle.
XXXX XXXX XXXX XXXXXXXX car filmed at XXXX at night from a sitting vehicle. The list goes on and on... No more talk, we have built a solid case against XXXX XXXX XXXX XXXX,, JEFFERSON CAPITAL SYSTEMS , LLC, AND XXXX XXXX XXXX XXXX XXXX Wait for the knock at your door for your files, phone call records which we also have that are extensive, mail that goes back 7 years ... To bad you got played while building this case but that's what law enforcement advised us to do.
See you in court. Bring lots of money..
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been contacted regarding an account for a debt that is not mine by XXXX, representing Jefferson Capital for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, XXXX/ Jefferson Capital committed the following violations of fair debt collection practices : 1. Representatives from Jefferson Capital, XXXX, or XXXX contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over XXXX XXXX XXXX. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX ).
2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits.
3. Representatives from XXXX repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - XXXX also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with XXXX insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day!
4. Reporting of a debt that is over XXXX XXXX XXXX to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over XXXX XXXX XXXX.
These issues will be reported to the consumer finance protection bureau. Any further
|
| 03/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX, RI XXXX JEFFCAPSYS XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2800.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 02/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good Afternoon, My name is XXXX XXXX and I am in need of assistance in dealing with a debt collector by the name of Jefferson Capital Systems XXXX. They have been reporting to my XXXX of my credit bureaus false debts. When I contact this company and provide them with my XXXX XXXX XXXX they state that they can not help me because the information they have does not match with what I gave them, this is obviously a huge problem because this is debt that I have no idea about and is not owed by me or is tied to my social security number. They have been reporting for XXXX or more years now and is hurting my credit because of the false debt they have been reporting. I have hired a credit repair agency about XXXX years ago, and even they have submitted verification letters on my behalf, and still, the credit bureaus and Jefferson Capital are claiming that the debt is verified, however, the debt is never verified with me based on my information that I give to them. This seems to be unfair to me and has actually caused me financial harm because of the XXXX false debt collections accounts that XXXX XXXX has reported on all three of my credit bureaus. XXXX asking you guys for your help as a collections agency is not or should not be allowed to keep reporting accounts that can not be verified using my XXXXXXXX XXXX XXXX Whom ever the XXXX accounts belong to, thats whom they need to report to their credit bureaus and collect from the person whos information they have. This is very unfair to me. I have contacted them in several ways to have them remove the XXXX accounts of all three of my credit bureaus, and they keep refusing to remove it as they keep saying the information is valid, even though its not. If it was an actual debt that I owed, then they should be able to verify me so I can pay the debt off, but, that simply is not the case and not so way to remove when they cant verify either accounts with my XXXX XXXX XXXX, this means the XXXX accounts belong to someone else and they just keep harming me. Please see attached where Jefferson Capital is reporting to all three of my bureaus. Please assist and advise
|
| 10/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have no knowledge of this account with XXXX XXXX XXXX in the amount of {$2200.00}. They also stated per my credit reports that it was originally over XXXX XXXX dollars and that I made a payment last year. I have never made any payments and was never notified of this debt before it showed up on my report. It is fraudulent and not my account. Upon further research it has been found that even if this was a valid debt which it's not it would have gone to XXXX not Jefferson Capital Systems when they closed in XX/XX/2019. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Absolutely no phone calls. If correspondence is initiated by JCS in any manner other than permitted I will cease all communication ( invoking my legal right to request JCS cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.
|
| 03/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
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I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from XXXX. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''.
This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name Jefferson Capital System ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX.
The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''.
Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to XXXX by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
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| 10/04/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I received an email communication from XXXX on XXXX XXXX, XXXX informing me that XXXX was attempting to collect a debt on behalf of Jefferson Capital, who had purchased the debt on a XXXX account from XXXX. Upon inspecting the claim, I saw that the address for the account was XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I have never lived there and have not used XXXX at any time in the last five years. I also never received any communication about the activation of this account, nor any missing payment for this account. I believe somebody registered the account under my name, yet somehow without my email or phone number. I am not quite sure how the account was tied to me. I explained the situation over the phone to a representative at XXXX in detail and sent to the company via email another explanation. XXXX then communicated over email that they would not longer be servicing the debt.
Jefferson Capital then contacted me via mail stating that additional information is needed for my dispute. I attempted to log into their site with the JCS reference number provided to me and last four digits of my social security number. The JCS site would not let me log into their site to continue my dispute. JCS provides the option to call their customer service line, but I work long day hours and do not have time to settle the issue over the phone during business hours. I am in effect trapped due to JCS ' inability to manage their IT systems or open their call lines at convenient hours. I am also not sure why I have to contend with two debt collectors for this debt, especially if XXXX has, after collecting information, decided they will not service the case.
I would like to submit this complaint against both XXXX XXXX XXXX XXXX XXXX and Jefferson Capital Systems. XXXX XXXX XXXX XXXX XXXX first failed to verify the identity of the person creating an account with their service, then made money selling this fraudulent account debt to Jefferson Capital Systems. Jefferson Capital Systems attempted to collect the debt through XXXX, and after XXXX dropped the case, continued to harass me about this debt.
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| 03/17/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I got a letter in the mail on XX/XX/2023 stating that I owed a debit from indigo credit card for XXXX and that they will report Credit Bureau Reporting : We may report information about your account to credit bureaus. Negative information such as a default may be reflected on your credit report.
This information is not legal advice. The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems , LLC ) can not sue you for it. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. It you do not pay the debt, we may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting PRIVACY NOTICE Jefferson Capital Systems , LLC ( also referenced herein as we and us ) is providing this notice to you as required by Federal law. We may collect nonpublic personal information about you as permitted by law from : Your transactions with us ; Prior owners of your account ; Consumer reporting agencies ; Applications or other forms that you provide to us.
We may disclose nonpublic personal information about you to the extent that it is : ( a ) specifically directed by you ; ( b ) permitted by the Gramm-Leach-Bliley Act such as to service and maintain your account ) ; and ( c not prohibited by other applicable law. including. but not limited to. the Fair Debt Collection Practices Act.
We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. ' We maintain physical, electronic and procedural safeguards that comply with federal XXXX XXXX XXXX nonpublic personal information.
Mail this form or Send correspondence to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail pay ents to : Jefferson pital Systems, LLC XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX _
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| 12/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I was a customer with XXXX back around XXXX. Early Spring of XXXX I had a car wreck that resulted in my having to undergo XXXX. I contacted XXXX immediately and explained that I was n't going to be working for the next three months, they said we can hold your account until you get back to work. So, I had to ensure my bill was up to date with charges and paid for before they would do that and I did exactly what they said to do. When the three months passed and my doctor cleared me to return to work, I went back to Verizon around XX/XX/XXXX to restart my service and they told me that I did n't have an account with them and my old number which I currently do not remember had been given out as a pay as you go phone. This went on for 6 months of calling XXXX, going to stores, and even talking to corporate over this issue. All the while they kept stating that I did n't owe them any money which I asked them repeatedly and said that I will pay to get my service back because I liked it. Well, low and behold, starting around XX/XX/XXXX I started to receive collection calls about twice a week since and I have disputed this multiple times without ever getting a response from anyone. Now, Jefferson Capital Systems has this phantom collection account which they told me was still active even though XXXX has said repeatedly that I never had an account with them. So, XXXX and the other collection companies, which is now on the fourth collection team and they keep asking me for paperwork that I do n't have and XXXX has never proven I owe them any money wants me to pay {$1000.00}. Like I said previously, I have disputed this several times and gotten no response from anyone, Jefferson Capital even stated it showed it was in dispute, yet, they had info on this account either. This is now impacting my ability to obtain housing because this after not showing on my credit for almost 2 years all of a sudden a few days ago just shows up. I am trying to buy a house because my current place of residence is being sold and this is keeping me from being able to do so, I will not become homeless because of this.
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| 04/26/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX. and myself, XXXX XXXX which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation.
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion.
You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.
Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
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| 07/18/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC for a number of federal violations. I have never given Jefferson Capital Systems , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from Jefferson Capital Systems , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 12/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A year ago a Jefferson Capital Systems , LLC contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system.
I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam.
On or about XX/XX/22 another company XXXX, XXXX contacted me about the same debt owed. The original company Jefferson Capital lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud.
On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by XXXX XXXX is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation XXXX and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme.
I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the credit union I will seek legal actions and sue for damages, unfair practices, harrassment, etc.
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| 11/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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JEFFERSON CAPITAL SYSTEMS LLC has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
18. Invasion of Individual and Family Privacy
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| 07/24/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$2600.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
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| 06/01/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Back in XXXX or XXXX, I became I XXXX with my company. We have our cell phones and technology paid for by the our employer. I called XXXX XXXX and had BOTH my cell phone and tablet transferred to the business account. I was clear about transferring both items. The XXXX employee stated that they just needed to get the clearance from my employer. My phone bill was transferred however my tablet was not. I was not contacted about this until a much later date. I didnt hear anything about an outstanding bill until I went into the XXXX XXXX location in XXXX XXXX a couple years later after having an issue with my phone. I remember the store employee telling me that she shouldnt be discussing this with me because its already been turned over to collections. That conversation had to be in XXXX. When I check my credit score, it states that this wont fall off until XXXX!! The tablet was in collection in XXXX so how will this not come off of my credit score until XXXX?? How is this possible. That is WAY past the 7 years something takes to come off of someones credit report. MULTIPLE TIMES, likely XXXX times, I spoke with the collection company that XXXX hired to collect my debt. I requested them to have XXXX XXXX contact to to explain why they never placed the tablet onto our business account in the first place. They continued to call and harass me while I was working for months even years after I requested XXXX contact me and they stop. I want XXXX to explain their error that caused this debt in the first place. My credit has been suffering for years and will continue to suffer because of XXXX error and lack of communication about the debt. The debt is a small amount and can be easily paid. However, this was an error on XXXX part and Jefferson Capital continues to reopen this collection. It should have been off my record years ago but because of an error and Jefferson Capitals shady dealings this continues to be on my credit. This is really a complaint for Jefferson Capital and XXXX XXXX but since the original error was made by XXXX, they need to have most of the responsibility.
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| 06/19/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 02/26/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To begin, I tried contacting XXXX XXXX to retrieve details on information on this credit account. They told me it had already been sent to collections with Jefferson Capital Systems , LLC, and that I would have to contact them directly to review and resolve my account. I also tried to login to XXXX XXXX website using my login information, and they have removed my access and account entirely which has refrained me from any access to review this credit account and details of information associated with my credit account.
This account opening date is incorrect. The date listed that it was opened is on : XX/XX/XXXX. The correct opening date was on : XX/XX/XXXX. I also know that the amount owed is incorrect. I attempted to contact the company to dispute the errors on XX/XX/XXXX. When speaking with the representative, I tried to explain the errors of information that were incorrect on this credit account. The representative proceeded to not listen and continuously ask me how I was going to pay off my balance. We argued back and fourth. I told the representative that I wasnt calling to pay my balance, I told the representative that I was calling to dispute the errors. The representative would not listen or acknowledge what I was saying by completely ignoring my questions on dispute and instead aggressively asking when I would pay my balance. I finally said that I was not paying anything until the errors on my account were disputed. The representative proceeded to tell me that if I did not pay my balance that day, XX/XX/XXXX, that the representative could not guarantee that my credit report would not be further impacted from refusal to pay. I then proceeded to tell them that I wasnt refusing to pay, I corrected the representative by saying that I was refusing to pay until my dispute concerns regarding the incorrect information on my credit account were resolved. The representative then told me that if I do not pay by XXXX that day, XX/XX/XXXX, that my offer amount to resolve my account would not be valid and that it would further impact my credit negatively.
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| 11/26/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Back in XXXX XXXX one of the 3 major Credit Reporting agencies leaked the data of 143 million Americans, including myself. The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security Number, as well as my Drivers Licenses number ) As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnished and my overall credit score destroyed. This negligent on XXXX part, will leave my personal information permanently available for access at any time. My name, date of birth and social security number are never changing ; therefore, I am at risk of identity theft at any time. Im a very private person therefore knowing that my personal information is in the hands of The XXXX XXXX Hacker I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress. Credit reporting laws ensure that your organization report only 100 % accurate information, due to the XXXX XXXX Security Breach your company is in direct violation of the Fair Credit Reporting Act. XXXX was negligent in allowing my personal data to be breached, I am demanding the incorrect information reported as a result of this breach be removed upon receiving this letter. If you do not immediately remove this inaccurate information from my credit file, my lawyers in filing suit against your company in the State of Alabama Circuit Clerk of XXXX County on XX/XX/XXXX at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach.
As a result of the XXXX breach, the following accounts have been listed on my credit profile and should be removed as soon as possible.
1.XXXX XXXX {$2400.00} 2.XXXX XXXX {$13000.00} 3.XXXX XXXX {$1200.00} 4.XXXX XXXX XXXX {$280.00} 5.XXXX XXXX {$2000.00} 6.XXXX XXXX {$260.00} 7.XXXX XXXX {$260.00} 8.XXXX XXXX {$130.00} 9.XXXX XXXX {$2700.00} 10.XXXX XXXX {$300.00}
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| 06/24/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, Jefferson capital systems, a collector of debts, attempting to collect a debt I am not aware of. I have never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it.
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status.
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds.
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs Midwest recovery systems make clear that it " debt parking without proper notices is a violation of consumers rights.
|
| 10/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received an envelope containing paperwork for garnishment, but I havent been sued by this company. The envelope didnt have a return address on it and the postmark was significantly later than the date of the summons : XX/XX/2020. Once I opened it, it appeared to be legal paperwork from a court. The plaintiff is Jefferson Capital System LLC. Theres no information identifying the plaintiff other than their name. No phone number, no address. The contact information for the attorney is invalid ; the phone number has an odd ring that sounds like a record thats skipping. I XXXX Jefferson Capital System and called their toll-free number. There was a recording indicating that callers can get debt information by entering a file number, which strangely wasnt listed anywhere on the paperwork I received, an account number, which would be assigned by Jefferson, or a social security number. Theres no file number on the paperwork, nor is there an account number. I had to use my social security number. The recording indicated that theres no record in their system containing my SSN. Im not surprised since I dont owe them any money.
Lastly, I noticed that this paperwork was supposedly sent to my employer. My listed employer is a company I never knew existed until today. How can I possibly work there?
This could be a scam, but I see it as harassment. Rogue collection agencies think that they can scare uninformed consumers into sending them money. I dont operate like that. I will not even listen to, nor respond to anyone who doesnt approach me correctly. I have no idea what this debt is or who it belongs to. I have never gotten one phone call from this company. Ive never received any other notices from this company. The legal contact listed on the paperwork is bogus. I should be enjoying my evening right now. Instead, Im wasting my em time responding to a false allegation.
I threw their paperwork in the trash at the gas station when I stopped to fill up my car. After thinking about it, I got angry and decided to file a complaint with CFPB.
|
| 02/22/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.
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| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Servicemember |
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Today, a man showed up at my door. I answered the door, and he asks for XXXX XXXX. I told him that hes not here. Then, he begins asking me a serious of questions like : Does he live here? How long have you been here? Where is he?. I felt extremely uncomfortable with that line of questioning considering this is a complete stranger asking me questions about someones whereabouts and he didnt even acknowledge who he was. In addition, I suddenly felt more like he was trying to verify if I was alone. So my replies were No. I then asked him why the line of questioning and who he was, he proceeded to say he was a process server with papers for XXXX XXXX from the XXXX XXXX XXXX Courts. I didnt believe him, and told him to leave. I saw papers in his hand, and they didnt look anything like what could be considered court documents. I watched him leave from the window. Not even a few minutes later, he returned, and knocked again. Im not even sure why I opened the door again, but I did. As soon as I did, he asks XXXX XXXX, right? I told him that he was told to leave, and now hes shown up with a different name. He yelled this time over me, I yelled at him to ( please pardon my language ) Get the XXXX off of my property and dont come back here. Even after I slammed the door, he continued to yell at the door. I tried getting a license plate, model and make of his vehicle, but I couldnt see the back or front of his car. He eventually left, but I heard my storm door open and close before he did. I opened my door and found papers. The front page had information about debt collection, and after flipping through a few of the other pages, theyre blank and certainly nothing filed with the courts here. I was instructed to call the police if he returned. If this is some abrasive tactic of collecting some debt, aggressively approaching someones home especially with children present is extremely inappropriate and is harassment. Thinking clearly now, I shouldnt have opened the door a second time, but obviously, I do not want anyone else at my door.
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| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXXof former friend use my information and created an account with XXXX I have reached and notified XXXX that I was not the one who made the account and that my information was used with out I never purchased anything from XXXX myself however XXXX did not close the account nor did they conduct any investigation to my claim I haven't heard from XXXX since the first bill until I was served papers in XX/XX/XXXX almost two years later saying that Not only was this in collections but they have sold my account and information to another company I was never notified of the sale or them even planning to to sell through the filed Court claim I learned that the company that they sold it to was Jefferson Capital Systems LLC collection agency. In the bill of sale/purchase agreement it clearly states that Jefferson capital systems has to update XXXX with any payment information that is concurrent and dates of payment and XXXX has to report those changes to the credit report bureau promptly and both companies failed to do so.they have already gone through the court process and had this account to be garnished from my job a year later they did garnish my paychecks starting from XX/XX/XXXX until it's completely paid off from XXXX which is my place of work my issue is that all my credit report it does not reflect to which collection agency XXXX sold my account to or who purchased that account nor does it have an update stating that the account was paid in full and is closed and been satisfied instead of says it's delinquent and it's really putting a big red mark on my credit I would like that do you have updated I believe I should have me at my money back due to the fact that is not wasn't me who opened the account but at this time I just would like to have my information updated on my credit report report there is no report from Jefferson Capital Systems LLC even having this account or that it was in collections that it was open and they're working on suing me and it doesn't say that I was garnished and paid it off last year
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| 08/14/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems LLC ( Original Creditor is : XXXX ). After several failed attempts to contact Jefferson Capital Systems LLC by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did Jefferson Capital Systems LLC never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that Jefferson Capital Systems LLC is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on XXXX statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time Jefferson Capital Systems LLC increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
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| 05/22/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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1 ) On XX/XX/XXXX, I filed a dispute with XXXX when I noticed that someone had opened up an account with XXXX using my information, in XX/XX/XXXX, and that XXXX XXXX XXXX was the agency doing the collections. The bill is for {$1500.00}. This has ruined my credit!
This fraudulent account that was opened with my information was not even possible to have been made by me, because at that time, I was in the process of moving out of state, already had a phone through another carrier, and certainly did not need another. I did not have a XXXX account, nor did I open up one in XX/XX/XXXX. I did not make any purchases with XXXX, nor was I making any payments prior to XX/XX/XXXX, as I did not have any XXXX products.
2 ) My husband and I suffered identity theft when XXXX, the national company that parents XXXX XXXX XXXX XXXX of XXXX, was the victim of a massive cyber attack. We were notified by XXXX that we were also victims of the attack, and that their " XXXX '' company was going to monitor our credit. This was supposed to be a 24-month protection. ( I found out later that they had been lax in their service, and that there was no credit monitoring for about a year. ) 3 ) I've had identity theft problems some years before that with : a ) someone who had opened up a phone account in the state of XXXX with another carrier. This took months to clear up.
b ) someone who bought a dining set in my name. I was able to have this cleared up thanks to my bank. The perpetrator, a woman, was caught and put in jail.
4 ) I received a report back from XXXX saying that the company declares the information to be accurate. The details they state on the report actually prove it could not have been me.
5 ) I have read that I have the right to ask that this information be blocked from my file, and will be taking action for it to be blocked.
6 ) I suggest a new way of doing business, because with all the cyber attacks going on, American people are being victimized right and left, with no real means of protecting themselves.
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| 07/21/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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This is the last email I sent them. I received a typed letter stating because of the age of this debit they legally can not report this on my credit or sue me but I could still pay on good faith.
This is your notice from I, XXXX XXXX stated in my last email You are legally required to provide the following UNDER THE FAIR DEBT COLLECTIONS ACT the original signed contract by me and the original creditor, original documentation from the original creditor assigning you to the debt or original documentation that you own the debt. You have yet to provide original documentation validating the debt. You sent me a generic form that stated this debit was too old to report on my credit and past the timeline of suing because the age of the account and legally you can not report this on my credit. I have been called me multiple times day and night. I was also threatened with arrest and I was cussed out and called nasty names. Where is the original signed agreement with my signature and the original creditor? You have failed to validate this debit. This debit is not mine and its been 3 months so way past allotted time to validate this. You are legally required to provide validation of this debt. Threatening to report this invalid debt on my credit unless I write you in 30 days after I have asked for this information twice and you are ignoring my request for proof is against the fair debt collection practices act. You legally can not report this to the credit bureaus until you validate this debt that Im disputing. If you have already reported this on all of my credit reports you legally have to contact all of them and tell them this debt is being disputed until you validate it. Under the fair debt collections act you legally have to provide me the original documentation from the original creditor and verification that you own or have been assigned the debt by the original creditor. All collections act UNDER THE FAIR DEBIT COLLECTIONS ACT are to stop until YOU VALIDATE THIS DEBT.
Signed by XXXX XXXX on XXXX XXXX.
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| 08/15/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX
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| 02/02/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has continued to sell and report this account although I have disputed the validity. We agreed to a settlement that has not been honored to the current date. Please see attachments of accepted, signed and cashed check as well as accepted settlement agreement.
Breach of Contract Agreement Contract Agreement violation Missouri common law, by Article II of Missouris UniformCommercial Code ( UCC ) A breach of contract : Breaking a binding legal document by failing to satisfy the terms of the contract without a lawful reason [ including unilateral law : signed, cashed and deposited check ] Details of Accepted Settlement Agreement to date XX/XX/XXXX JEFFERSON CAPITALACCEPTED SETTLEMENT AGREEMENT XX/XX/XXXX CASHED CHECK VERIFYING ACCEPTED SETTLEMENT AGREEMENT JEFFERSON CAPITAL ASSIGNEE OF XXXX XX/XX/XXXX JEFFERSON CAPITAL [ XXXX ] -Honor Accepted Settlement Agreement Request-Mailed letter to Jefferson CapitalXXXX duplicate request of agreement including removal of debt and to stop reporting debt and selling debt to other collection companies [ to honor the additional terms of our agreement ]. Mailed letter to ALL 3 CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) to request removal of debt and to stop reporting debt and selling debt to other collection companies [ per honoring the additional terms of our agreement ].
XX/XX/XXXX CURRENTLY, It appears to be still showing up on at least two Credit Reporting Bureau ( XXXX/XXXX ) as XXXX/XXXX ( charge off and sold to another lender ). One is reporting in current/good standing and the other is showing as derogatory!!!
I have made numerous attempts over the past years to resolve this disputed and erroneously reported issue, but to no avail. I agreed to do a settlement just to receive a final resolve but to no avail. I am reaching out for help. I continued to experience financial damage/loss and would like immediate recourse in getting this very unfortunate situation resolved!
Thank you for your time and due diligence in this matter.
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified!
It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as e-Oscar, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus!
If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.
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| 11/11/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX, I switched my phone service from XXXX to XXXX. XXXX offered a promotion to pay off any balance owed to an individual 's current provider to switch to XXXX. I went into the XXXX storeand confirmed with a XXXX representativethat XXXX would pay XXXX. The representative assured me that no further action was required from me.
In XX/XX/XXXX, I received an email from XXXX stating that my account was delinquent and in collections. This was the first I received notice that XXXX had not paid the {$270.00} balance, since speaking with the XXXX representative in the store. I called XXXX to explain the situation. After several phone calls between XXXX and XXXX, XXXX agreed to issue a pre-paid visa card with the amount listed on the final XXXX bill. I then called XXXX to have them send me a physical copy of the final bill. I explained that XXXX would pay the outstanding amount with a copy of the final bill that enumerated the unpaid amounts. XXXX refused, stating that they no longer had that information on file because my account had gone to collections. I subsequently sent XXXX a letter requesting that they validate the debt, which did not happen.
I ran my credit score through XXXX recently and discovered that a new company, XXXX XXXX XXXX , XXXX, appeared as a negative report. I contacted XXXX and learned the they were attempting to collect the XXXX bill, despite providing no notice aside from damaging my XXXX XXXX. I explained the situation to the XXXX representative, but the representative simply repeated his generic script. Speaking to a manager resulted in a similar unwillingness to help rectify the situation.
In short, I am at the mercy of these companies. I have attempted to resolve this issue with XXXX but have been met with indifference. XXXX continues to demand payment from me for a debt that belongs to XXXX, evidenced by XXXX willingness to issue payment for the debt. My credit score continues to suffer harm simply because due diligence is inconvenient for XXXX.
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| 02/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX XXXX XXXX and that they were the owner of an account that is allegedly owed by me.
I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX XXXX XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case.
If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed.
Furthermore, XXXX XXXX XXXX XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney.
Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I will await your response within 30 days.
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| 05/17/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX XXXX auto sales in XXXX XXXX XXXX.
on or about XX/XX/XXXX the XXXX XXXX fusion was repossessed by XXXX XXXX XXXX and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS.
on or about XX/XX/XXXX, XXXX Jefferson Capital Systems bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation.
on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least XXXX points when no debt is even owed. ( a total of XXXX times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls.
then on XX/XX/XXXX, Jefferson Capital Systems filed suit against me and my domestic partner in the XXXX XXXX XXXX XXXX in XXXX XXXX Iowa. after answering this suit and my XXXX partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented.
requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .
it was during this time I contacted ACA and was informed that the debt was discharged and a 1099c was filed. a simple phone call.
I promptly filed a motion to dismiss as no debt was owed hearing was granted after Jefferson capital systems were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.
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| 09/20/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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Jefferson Capital Systems , LLC, is a debt buyer that purchased a charged-off account from XXXX XXXX XXXX XXXX with a closing date of XX/XX/XXXX. XXXX XXXX XXXX XXXX acquired the charged-off account from XXXX on XX/XX/XXXX. XXXX is the owner of XXXX credit accounts. On XX/XX/XXXX a Summons and Complaint was delivered to a person at my residence of XXXX XXXX XXXX, XXXX XXXX, WA XXXX. On XX/XX/XXXX I sent my response to the Summons and Complaint certified mail with return receipt requested. Upon receipt of the Interrogatories and Admissions, I completed and returned them along with a letter dated XX/XX/XXXX explaining my exempt status and my Social Security XXXX Award Letter. I advised them that the only income I had was Social Security XXXX, which was exempt from collection.The next thing I received in the mail was Note The letter stated that if I choose to ignore the letter, Jefferson Capital Systems , LLC. may seek to enforce the judgement through remedies that it typically seeks, such as obtaining a court order to garnish my wages, levying my bank account, or placing a lien against my home I find this threatening, manipulative and harassing since they are making threats to try to get me to pay on a debt that is clearly exempt from collection activity and illegal to pursue in regard to garnishment, levying or liens. In addition, Jefferson Capital Systems , LLC. is not a creditor but a debt buyer. They are not collecting for the original creditor only for their own profit. They paid pennies on the dollar to purchase the debt, which was not purchased from XXXX or XXXX, but purchased from XXXX XXXX XXXX XXXX XXXX to their threats of pursuing more court collection activity they are causing physical, mental and emotional problems for me. This is not good due to my fragile physical health already, I am asking for your assistance in getting them to understand that my income is exempt and therefore, they have no legal right according to law to pursue collection of this debt.
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| 07/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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According to an email communication dated XX/XX/2022, which I have attached as evidence, XXXX confirmed that my account balance was {$0.00}. This email clearly indicates that I owe no outstanding debt to XXXX.
However, to my surprise, I recently discovered that Jefferson Capital Systems has reported this debt on my credit report, despite the balance being {$0.00}. This action by Jefferson Capital Systems has negatively impacted my creditworthiness and is causing significant distress.
Attempts to Resolve the Issue : In an effort to rectify this matter, I have made numerous attempts to contact Jefferson Capital Systems regarding their erroneous debt collection efforts. I sent the aforementioned email communication, both via email and mail, to their listed contact addresses. Unfortunately, I have not received any response from them, nor have they acknowledged the evidence provided.
Request for Intervention : I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that Jefferson Capital Systems ' actions are unjust and in violation of my rights as a consumer. Specifically, I would like the following actions to be taken : Investigation : Conduct a thorough investigation into Jefferson Capital Systems ' debt collection practices to determine whether they have violated any consumer protection laws.
Removal from Credit Report : Request that Jefferson Capital Systems immediately remove this erroneous debt from my credit report, as it is impacting my creditworthiness and causing undue harm.
Communication : Direct Jefferson Capital Systems to promptly respond to my communications and provide a clear and satisfactory resolution to this matter.
I greatly appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details.
Thank you for your assistance in addressing this complaint.
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| 04/17/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 10/29/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I and multiple family members are getting harrassing phone calks from XXXX XXXX and collection agency they are using for an old car debt that happend 5-6 years ago. I was sick, had health issues, Lost my job, had to move in with multiple family members because I could not care for myself. I exhausted all the finds that I had for the vehicle which had several expensive problems over and over. With no income I could not keep the car. XXXX XXXX and its people have bern calling repeatedly ( auto dials back to back ) to my phone and family members too to the point that my cell battery is run down, the peole who have the debt now is calling my extended family members whom I NEVER listed on my credit application, many intimidating calls from many weird numbers, rude calls all day including early Sunday mornings, leaving notices in mailbox, had my bank acciunt and my daughter bank acvount freezed without warning. We could not pay urgent bills, and left without even {$1.00} for food. I can't pay for my needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have another mediation agrncy calling and harrassing me all day now too. I was NEVER served with court order before the freeze. My daighter is innocent. She had a highschooler checking account opend during highschool. Her money was wiped clean and account wrongfully frozen.The receiver mediator hired by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is harrassing me so much. I had to be sent home because I was mentally exhauseted, had XXXXXXXX XXXX had 3 day XXXX and in distress. XXXX XXXX bar card number : XXXX agency is causing sinmuch stress calling from multiole numbers even on both weekend days. I hsve not XXXX dollar to my name, can't pay for anything, and maybe losing my job because XXXX cant stay afloat. PLEASE SOMEONE DO SOMERJING WITH THESE PEOPLE! I have started receiving spam froend request from debt and credit people on social media suddenly back to back. My family don't deserve this harassment and neither do I.
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| 02/25/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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I am getting repeated phone calls by Jefferson Capital. Jefferson Capital is masking their phone number to reflect an area code in " XXXX Florida '' where I'm from and have family & friends residing. Jefferson Capital is not located in Florida and they are masking their phone number with the hope of me or any 3rd party being tricked in answering the call. Furthermore, Jefferson Capital is calling 3rd parties in trying to contact me. Both tactics I just described confirms the knowingly & willingly act by Jefferson Capital violating my rights under the FDCRA & FCC.
I previously sent Jefferson Capital a letter requesting for them to inform me in writing of what alleged debt they are trying to collect because I am unaware of any outstanding debt that I owe to any creditor. I also requested that if they are making any allegation of any outstanding debt that they are trying to collect to please provide me " validation of the debt '' & as of today 's date, they haven't provided me no validation of debt & continue to call me and 3rd parties.
In closing, I am requesting that Jefferson Capital cease from calling me and any 3rd party. Furthermore, I will be filing a small claims lawsuit no later than XX/XX/2020, & today will be my only attempt to try and resolve this matter informally with Jefferson Capital before I file a lawsuit in small claims court. My lawsuit will be regarding the knowingly & willingly action ( s ) of Jefferson Capital violating my rights granted to me by the FDCRA & FCC. My lawsuit will be for {$2000.00} & the only communication I authorize Jefferson Capital to have with me is in writing & informing me if they agree to settle this matter informally.
The following are some of the phone numbers Jefferson Financial are masking ; XXXX & XXXX The following is only 1 example of Jefferson Capital trying to communicate with a 3rd party in their attempt in trying to contact me ; XX/XX/2020 using the masked phone number XXXX at exactly XXXX XXXX.
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| 03/09/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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This is in reference to a fraudulent charge recovery request from numerous collection agencies, which XXXX XXXX is fraudulently claiming I created on XX/XX/XXXX. XXXX has never tried to contact me by phone, or at the address where I reside concerning this account in any way whatsoever. I have never opened an account with XXXX, or been in a XXXX store, or ever contacted XXXX concerning service. I had refuted the charges to XXXX, XXXX, and XXXX. XXXX and XXXX did remove the fraudulent charge, but XXXX will not remove the fraudulent charge without consent from XXXX XXXX. This charge has been tossed around from XXXX debt collector to another. When I got a letter from XXXX XXXX XXXX. I refuted the charges and sent them a written notification that I do not own the debt and will not pay. The charge is then passed on to Jefferson Capital Systems LLC., I refuted the charges and they pass the fraudulent charge on to XXXX XXXX XXXX XXXX XXXX again, I refuted the charges. And the circle continues.
I have contacted XXXX fraud department by phone ( XXXX ) and was told, by a representative, XXXX, on XX/XX/XXXX that the account exists but has not been used. I was told, by XXXX, that my name and social security number will be removed from that account, and the reporting agencies notified, and that I would receive an email stating that it has been cleared. I informed the XXXX representative that I have never lived at the address listed on the fraudulent account, and I have never seen, or not familiar, with the telephone number listed as the contact number. I have not heard from or been contacted by XXXX fraud department since this call.
I recently received a threatening letter from Jefferson Capital Systems concerning the debt and that they can sue me and will continue harassing me about this charge. ( Letter attached ). I need my name and social security number disassociated with this fraudulent charge and the credit reporting agencies updated.
See attachments :
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| 01/03/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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XX/XX/2020, Contacted JEFFERSON CAPITAL SYSTEMS, and was repeatedly referred to XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Fax XXXX XX/XX/XXXX, payment clear the bank account to XXXX XX/XX/XXXXXXXX XXXX XX/XX/2020 received email from XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX with attached letter stating : CURRENT CREDITOR : JEFFERSON CAPITAL SYSTEMS REFERENCE # : XXXX ORIGINAL ACCOUNT # XXXX This letter will confirm that the above referenced account has been satisfied in full. Should you have any questions, please feel free to contact my office.
Thank you, XXXX XXXX XXXX XX/XX/2020 made repeated phone calls to Jefferson capital systems which kept referring me to XXXX and XXXX.
XX/XX/2020 and XX/XX/2020 received the results of two different disputes via XX/XX/XXXX with which I even uploaded proof and explanation as to how the account was paid off, and the company says I still owe the money and it has been unpaid every month. XXXX XX/XX/XXXX XXXX has repeatedly told me via customer support via being directed there by Jefferson capital systems, " my credit report status will be changed to paid for the collection '', and " XXXX balance should be shown ''.
I have been unable to get a personal response from Jefferson capital systems and the only company that reached out after contacting multiple times was XXXX XX/XX/XXXX XXXX and that was to assure me the other company would update my credit report appropriately.
This was a court ordered debt my ex-wife was awarded in a divorce ( she got the debt in my name while I was XXXX on a submarine with no contact and she had no power of attorney ). I have a notarized letter from her stating she took full responsibility for debt. I paid to get it off my record and suing her in small claims court for not taking care of it. I can provide additional proof of that as well.
I took screenshots of the email from XXXXXX/XX/XXXX XXXX and attached, let me know if I need to provide the actual email.
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| 07/10/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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This account was opened in XX/XX/XXXX and I had a {$400.00} credit limit. It was paid off completely of on XX/XX/XXXX ; payments totaled {$570.00}. I closed the account due to the high interest rate they charge on top of overpriced items. XXXX reflects a {$0.00} balance on my credit report, which is accurate, but also states that it was charged off and now a collection agency is reporting a balance as of XX/XX/XXXX in the amount of {$940.00}. If the account was closed with a zero balance in XXXX, how can there be a balance as of XX/XX/XXXX ... .5 years later of {$940.00}? XXXX and Jefferson Capital System both need to remove their fraudulent remarks from my credit. XXXX is owned by XXXX XXXX XXXX according to the XXXX XXXX XXXX website and as of XX/XX/XXXX the business filed Chapter XXXX Bankruptcy, case # XXXX. Out of XXXX Reviews on XXXX, their rating is a XXXX out of XXXX, have received XXXX complaints in the last 3 years ; 512 of which were closed in the last year. Jefferson Capital has received XXXX complaints in the last 3 years and XXXX complaints in the last year. Out of XXXX Customer Reviews, they have a XXXX out of XXXX on XXXXXXXX. This should speak volumes about how they conduct business. I saw a ton of affilitations between XXXX account and Jefferson Captial Systems.
This company XXXX XXXX XXXX brags about helping people " build a better credit future '' but all they are doing is ruining their credit. They charge ridiculous interest rates and charge you double for the item. For example, they are currently selling a handheld game console called the XXXX XXXX XXXX XXXX in the color Coral. It is being sold at XXXX for {$310.00}. However, XXXX has the exact same item, in the exact same color for {$190.00}. XXXX has the exact same item as well and the same color and are selling it for the same price as XXXX for {$190.00}. This is NOT ok!!!
They, by their own admission charge XXXX % interest on top of these over priced items.
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you, XXXX XXXX
|
| 05/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I received a letter with the mailing address of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - attached XXXX XXXX XXXX XXXX XXXX is the principal agent for XXXX, XXXX ; and I believe XXXX XXXX XXXX is XXXX in the same as XXXX XXXX XXXX.
In Letter A, there is an offer to settle an unverified DEBT at XXXX % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe XXXX XXXX is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC.
I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', one XXXX XXXX - attached Notice A.
I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response.
30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B.
On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B.
I believe Letter B is absolute rubbish.
On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter C.
I believe Letter C is an attempt to collect on an unverified DEBT sent through the Post Office, which is fraud.
I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
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| 09/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter on XX/XX/XXXX, from Jefferson Capital ( dated XX/XX/XXXX ), alleging that I owe a debt that to XXXX XXXX XXXX for {$380.00}. I had XXXX in XXXX and early XXXX, so I sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising I had 14 days to tell them what I was disputing. I have never received a response from Jefferson Capital. This is interesting, because I asked Jefferson Capital to validate the debt and send me a copy of the written agreement bearing my signature, to provide all the contact information regarding the original creditor, provide proof of the amount and age of the alleged debt. Is XXXX XXXX XXXX the same as XXXX XXXX XXXX? Because my credit report is showing XXXX XXXX XXXX I am unclear as to if this is the same company which is a violation of the law.
A day later ( XX/XX/XXXX ), I received another letter ( dated XX/XX/XXXX as well ) with some statements from XXXX, XXXX, XX/XX/XXXX that had my name on it sent to a po box in Georgia that I do not recognize from XXXX XXXX XXXX, but they have yet to provide the original contract, or any original agreement with my signature that created a requirement for me to pay the alleged debt. I was living in in Arizona at the time these invoices were created.
A week later ( XX/XX/XXXX ), I received another letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that they are unsure of what my dispute is about.
On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX, advising that I was not specific with my dispute.
I do not not recognize this alleged debt that is being reported on my credit report and so I sent another letter asking them to validate the debt by providing the original written agreement bearing my signature for the 2 accounts showing up on my credit report. I have not received it.
At this point, they are sending me letters every 2 days and it is becoming harassment.
|
| 03/23/2023 |
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
- Their investigation did not fix an error on your report
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Web |
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Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : XXXX am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
I am demanding a deletion of the following account.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
|
| 12/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX score from increasing. The four companies are : 1. XXXX XXXX 2. Jefferson Capital XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to XXXX While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with XXXX XXXX XXXX. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX.
Your time and thoughtful consideration are greatly appreciated.
Thanks, XXXX XXXX, XXXX
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| 05/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XX/XX/20 @ XXXX called Capital Systems XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me.
XX/XX/20 @ XXXX called Capital Systems XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to.
XX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call.
XX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me.
So it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD OF.
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| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
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| 05/21/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I just recently started checking my consumer reports from XXXX, XXXX, and XXXX and I noticed a account I didn't recognize. So this prompt me to find out why and who I allegedly owed a debt to. I ended up finding out that Jefferson Capital Systems , LLC has been furnishing my information to the consumer reporting agencies knowing that they had never contacted me to make me aware of the alleged debt. Ironically on XX/XX/XXXX they finally contacted me with their initial disclosure ( six months after " Regulation F '' effective date XX/XX/XXXX ). It's clear that they've been using a deceptive tactic called " Debt Parking ''. To prove this I am listing the account and the last date this particular account was updated on my XXXX, XXXX, and XXXX reports. This will prove that they've been furnishing this account to CRA 's without following the procedures and rules of the FDCPA.
According to 12 CFR 1006.30 a debt collector must not furnish to consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer in person or by phone, or places a letter in the mail or sends a electronic message to the consumer about the debt and waits for a reasonable period of time to receive a notice of undeliverability.
Also according to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. These two violations alone are more than enough to pursue legal action against Jefferson Capital Systems , LLC. Listed below is the account number and the last dates updated for further proof.
XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Last Date Updated : XX/XX/XXXX I am also attaching photo proof of the initial disclosure and it's date, along with photos of XXXX, XXXX XXXX and XXXX reports showing last date this account was updated.
|
| 01/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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In 2006 I opened a free checking account with XXXX XXXX XXXX. The problem arose when the account was overdrawn by around {$340.00}, give or take. It did take me 1-2 years ( I was a student at the time, paying my own way for books and tuition, upon working to sustain my other immediate bills ), until I was able to reconcile and close the account with the bank with the full amount that was due. I have not heard anything about this incident until the past 6-9 months. The agency contacting me is XXXX XXXX XXXX , XXXX, based at XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. I have not received any type of paper notification from either the bank or this agency, but have recently been receiving phone calls within the correct debtor calling hours as is their right, however, I have repeatedly ( well over 5 times ) asked them to place my number on their " Do Not Call '' list as it is my business number and that this debt was already taken care of well over 10 years ago. I am still receiving phone calls from them stating that they are now wanting to collect on behalf of the bank, but as we know sometimes things get mixed up in the transfer of debtors ' records. I was a XXXX XXXX for a XXXX XXXX XXXX and I know my rights as far as asking them not to call me again, same for not using the number given to them. I want to report them for continued harassment and would very much appreciate someone looking into this for me, as it is now interrupting my business in a negative way ; also in personal ways. I do also intend to notify the agency in writing to the address provided me as per Sub-Section 806 : Communication in Connection with Debt Collection, paragraphs ( a-c ), as stated in the FDCPA. Please let me know at your earliest convenience what we need to do to proceed forward with this complaint. Thank you.
Also, I do not have records of this bank or the account number, amount owed, etc. as it was so long ago.
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| 09/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Either the day before or on XX/XX/XXXX I was scared and tailgated by a XXXX man with XXXX hair all black sunglasses viciously tailgating me in my hometown. He had out of state Colorado License plates. That same day a collection suit was filed against me by a Jefferson Capitol Company. The Lawyer lives in Colorado. He did not put HIS OFFICE number on Court Documents. I filed an Answer to the suit. It is from a different company over 2 years old and they charged off the debt. I had paid them regularly on time for a long time. Getting a hold of this Attorney from Jefferson Capital was nearly impossible. They fought/argued/were mean at the XXXX # he gave the Court as his #. They told me they would not let me talk to him. Demanded a ton of private personal information including my ENTIRE SS #. I finally did talk to the Colorado Lawyer who is suing me for a Minnesota Company-he did not care that I am XXXX and have no income. I have to do a Hearing and have been terrified all Summer. He Picked the Exact Day that I usually get my check on. Plus the EXACT MORNING HEARING TIME that I go outside to walk my XXXX dog. I can hardly walk early mornings due to my XXXX. I believe he has stalked me and knows that. I asked XXXX XXXX of Nebraska for help they are ZERO help. This has scared me ALL Summer long. I pay my bills on time. This was an instance where they jacked up the payments to $ XXXXplus a month and I tried to offer {$35.00} and they wouldn't take it. I feel this Lawyer who apparently does have a phone number was DECEPTIVE because it was never given on ANY COURT DOCUMENTS EVER. The Credit card charged off the debt already. He bought it. He is trying to get money from me that I do not owe Him. He had me Served on a Sunday. A Religious Day. ALL his Court documents " PRAY TO THE COURT FOR JUDGMENT AGAINST ME. '' Lawyer " PRAYS '' Against ME, I am a XXXX. This has been personal and terrifying.
|
| 03/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I contacted Jefferson Capital Systems, after finding out a collection account was posted to my credit report. I researched the company and contacted them via the phone number found on the web. After waiting on the line for 15 minutes, I was transferred to XXXX XXXX This call was placed on XXXX/XXXX/2016 at XXXX. After verifying my personal information, and confirming the last XXXX digits of my social security number, I was advised that my account was owned by Jefferson Capital Systems but it was given to a company named XXXX XXXX XXXX to collect payment. The number I was given to call was XXXX. This number is invalid and it 's for a company called XXXX XXXX. Again, I was never notified of this debt, and called this morning to see what it was regarding. Also, I was never notified that it was an attempt to collect a debt nor informed that any information obtained will be used for that. Under the FDCPA ( Fair Debt Collection Practices Act ), and being a resident in New York State, it 's a requirement for any collection agency to make a party ascertain of the following : " This an attempt to collect a debt and any information obtained will be used for that purpose '', when calling or replying to any type of debt to any and every person I speak to. After looking further into the FDCPA, I was made aware that I can sue a debt collector in a State or Federal court within XXXX year from the date the law was violated, if this violation is not handled. Per the prerecorded message while I was on hold, " all calls were recorded ''. That being said, the recorded call can confirm I was never notified of the attempt to collect a debt. I would like my debt to be closed and removed from my credit report and not sold to another creditor. I would like a letter of deletion for my book keeping or I will contact both State and Federal agencies and take this violation to court under the rights of the FDCPA.
|
| 01/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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Dear Consumer Financial Protection Bureau : Im writing to request assistance resolving XXXX and credit reporting discrepancies with Jefferson Capital Systems.
I received a letter from Jefferson Capital systems in XXXX of XXXX requesting payment on a debt incurred through XXXX XXXX back in 2019. The original debt was XXXX and the letter stated they would accept a settlement payment of XXXX to resolve the account in full.
I called Jefferson Capital systems on XX/XX/XXXX to negotiate payment options. I learned during the call that the offer expired the day before, on XX/XX/XXXX and they had just filed a case against me with the XXXX XXXX XXXX system. I asked if there were still options to negotiate a settlement. Jefferson Capital systems agreed to accept a payment of XXXX} as payment in full and to drop the associated court case. I made the full payment of XXXX that day to avoid receiving a court summons and settle the matter before it became a legal proceeding. I received a letter from Jefferson Capital systems on XX/XX/XXXX confirming the debt had been satisfied. I received another letter from them dated XX/XX/XXXX notifying me they had requested dismissal of the court case, with prejudice.
On XX/XX/XXXX I received a court summons on the case. I called today to check on the case status and the court confirmed they never received a request for dismissal, and I have XXXX days from the date I was served to file a response. I have also learned the debt collector has updated my credit file to show the account still in collections with an amount owed of XXXX. I would like to find out if I have any recourse against the debt collector for failing to uphold the terms of the agreed upon payment to settle the debt. At the very least I would like the active court case against me dropped and my credit report update to show the debt collection paid as agreed.
Thanks for your help
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Please, please please make all the credit agencies PROVE that the debt they are attempting to have reported on a consumer 's account is good debt w/in the statue of limitations BEFORE the credit companies put the info on a consumer 's report and downgrade the credit rating. Innocent until proven guilty. My Experian account reported that my credit score went down b/c of new information reported by XXXX XXXX XXXX Acct XXXX who CLAIMS I owe {$98.00} to XXXX. XXXX bought this debt they are attempting to collect from me. XXXX reported that it was current as of XX/XX/XXXX and shows little x marks next the past XXXX months on some bogus report they misrepresented and fabricated. As reported on XXXX report JCS phone = XXXX, address XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX. I opened a dispute advising XXXX to request XXXX scammers prove that its debt collection action follows the Virginia state statue of limitations debt collection laws. XXXX responded w/in hours that the debt collection attempt is good and my dispute is closed. I have NOT had a XXXX account since XXXX or XXXX when I switched to XXXX XXXX to XXXX years ago - way past the statue of limitations. I contacted XXXX XXXX to set up home internet service. XXXX first ran a credit check on me to determine if I owed XXXX any money, The XXXX rep told me in XXXX I do not own XXXX any money. I phone XXXX XXXX on XXXX XX/XX/XXXX. Experian online now prevents me from reopening my online complaint or it is hidden behind some screen. I XXXX robot prevented me from speaking to a customer service rep saying it is impossible for me to speak to a cust. svc. rep. Call back another time. When is the federal govt going to put guidelines in for the three credit agencies who are clearly in bed w the predators and demand that they make it super simple for people to easily respond to the repeated misrepresentation of this debt collector predators.
|
| 11/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I XXXX XXXX, asking for verification and validation on this collection account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2023 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/2023. The original creditor for this account is listed as XXXX XXXX XXXX.
Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt.
I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation.
2. Documentation proving that you are legally authorized to collect this debt.
3. Verification of the original creditor, XXXX XXXX XXXX.
I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution.
In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe.
Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report.
Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response.
Sincerely, XXXX XXXX
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| 06/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I was notified by a relative that they were contacted by Jefferson Capital. When they answered, it was a robocall and said " This is a debt collector and looking for XXXX XXXX " Also, I have been receiving calls from them impersonating a different elderly relative. I believe they are scamming and phishing. On the callerid it shows a relative name and when you call back. It is a robocall that says, " This is a debt collector. '' They have been calling daily and repeatedly.
I have the right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
I am willing to forgo the legal remedies I may have, including a lawsuit in small claims court seeking punitive damages against you and the agency, in exchange for your written promise to permanently cease all efforts to collect this debt and remove all negative entries regarding this debt from my credit file. I expect to hear from you immediately.
Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
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| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Jefferson Capital Systems , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
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| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
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Web |
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I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
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| 09/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have a shared debt with my ex to Jefferson Capital Systems , LLC. that was escalated to a debt collector XXXX XXXX XXXX XXXX XXXX ) in XXXX.
First of all, I tried refinancing with Jefferson Capital Systems and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car.
Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with XXXX XXXX XXXX XXXX, the debt collector.
I had been making automatic monthly payments of {$50.00} to XXXX XXXX XXXX XXXX since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with XXXX XXXX XXXX XXXX, and my payments to them stopped. The last payment was on XX/XX/XXXX.
Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages.
I called XXXX XXXX XXXX XXXX this morning at XXXXXXXX XXXX and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be XXXX XXXX XXXX XXXX 's concern anymore.
I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.
|
| 12/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called Jefferson Capital located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called XXXX XXXX. They say I owe a debt of $ XXXX.And this was created in XX/XX/XXXX. I have never had a XXXX account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a XXXX account. I am XXXX years old and I use a bank not XXXX to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a XXXX account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to Jefferson Capital System XXXX. XXXX XXXX, XXXX, IL XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.
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| 07/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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Previously filed a complaint with you regarding XXXX XXXX fraud attenmpt to collect {$7600.00} in fraudulent cash transfer claim. Referfernce CFPB # XXXX.
I thought you had resolved this attempted action to tap my checking account for over {$7600.00}. XXXX XXXX issue me a new credit card in responds to my filing a complaint with you. I thought this card was cleared of the fraudulent transactions, only to find they flipped all the fraudulent transactions on to this card. they used this cards number to access my XXXX XXXX checking account for a payment in XX/XX/2023. XXXX XXXX took this payment back. They again went into my checking account in XX/XX/2023 using a XXXX " XXXX XXXX number and took out more money, which XXXX XXXX took back.
XXXX XXXX advised me to close the checking account I've had for over 20 years as they can not stop XXXX XXXX from using the " XXXX XXXX '' numbers to access my account, as they have thousands of them.
XXXX XXXX continued to harass me by posting false claims regarding this issue on every Credit Bureau service. Destroying my credit rating, that before XXXX XXXX attempts at Bank Robbery was over XXXX, and now in in the low XXXX.
To add further harassment, they have turned over this fraudulent claim to a collection bureau, Jefferson Capital Systems , LLc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX.
I am XXXX, sick and need your help!!! Please Stop XXXX XXXX NOW! They shouldn't even be allowed in this country! They obviously are breaking the law in attacking my bank account and credit report repeatedly. XXXX XXXX has never received a cash transfer from XXXX XXXX to my checking account. For ANY amount. Not {$5200.00}, Nor {$2400.00}. These amounts were NEVER posted to my XXXX XXXX accounts!!!!!! AS I reported to you previously.
Also do something about them ruining my credit. Is this against the law? It should be.
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
The following items do not belong to me and is a result of fraud that I did not authorize : JEFFERSON CAPITAL SYSTEM {$9300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX JEFFERSON CAPITAL SYSTEM {$2300.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
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| 12/14/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident.
Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case.
The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter.
I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful.
I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution.
Thank you for your time and consideration.
Sincerely, XXXX XXXX XXXX
|
| 03/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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In approximately the summer of 2017 I received a collection notice for over {$800.00} for a XXXX XXXX bill. I have never used XXXX XXXX ( my company phone is XXXX now, but even that is new this year ). I contacted the collection agency and advised them. They told me I needed to call XXXX. I did, and XXXX confirmed that whatever it was that was ordered was ordered using my social security number and my address but a different email address than any I have used. They said it was strange because it was a phone but the service was never activated. Further, that phone or whatever it was never was delivered to my home. They confirmed that it looked like fraud to them as well. They asked me if I could file a police report, but I pulled my credit report and given that it was the ONLY item on my credit report I felt that filing a police report wasn't going to get me anywhere. What would the police do for one item on my credit report with ZERO information about who might have done it to go on. So I simply advised XXXX that I wanted to dispute the account as it was not mine.
Then they sold the debt to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN I immediately notified them by mail that this was not my account, that XXXX KNEW this was not my account, and that it was the result of fraud. No response. They placed it on my credit report ( which XXXX never had ). I disputed it with all three bureaus and explained the situation in detail along with my dispute.
They each did their investigation ( whatever that means ) and Jefferson Capital stood by their reporting.
This is NOT my account. It has NEVER been my account. I have NEVER received anything from XXXX nor used XXXX in any way, and this is unjustly harming my credit.
Please contact Jefferson and have them remove this listing as it has nothing to do with me.
|
| 07/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Hello, I have Requested That this Collection Company several times please stop Harrassment And please stop calling me and sending me Letters in my mailbox. I have Already contacted my Creditors All 3 and have had this Company stopped from Attempting to take Money from me over matters that Have been long past statute of limitations and This Jefferson Capital Attempted to Lure me into Payments that have been settled And long past paid wrote off. Unfortunately this particular company Would refuse to Tell me who they were and what they were trying to collect from me As I was concerned in regards to Many stories of Credit theft and identity theft, I immediately contacted the creditors XXXX, XXXX and XXXX to Have this company Be Removed due to Shady and misinformation and lack of any Information in regards to The debt they were harassing me about. ALL THREE Creditors Have Long ago Concluded ans closes this Company and is Nolonger on my reports and has not been for some time. I have asked this company several times to STOP calling me texting me and mailing me as I am XXXX and I have a very aggressive form of XXXX XXXX and with XXXX XXXX XXXX The XXXX Causes me to XXXX XXXX XXXX I currently am taking XXXX at the XXXX center and this XXXX has gotten me absolutely XXXX my neurologist has already had to write letters in regards to other situations that they Be XXXX free environments that contribute to more XXXX XXXX. At this point I am Going to fike a law suite for This due to their absolute careless Concern for My health as I've already had discussions about with this company. Please help me to end this harassment that has gotten extremely out of hand at the hands of this Jefferson Capital. Thankyou for your time and effort in regards to my situation with this overwhelming harassing company Jefferson Capital.
|
| 12/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
I received a letter dated XX/XX/XXXX from a debt collector named XXXX XXXX, XXXX relating to a XXXX XXXX account in the amount of {$2000.00} that was in my name but which I have never signed or accepted. I demanded verification of the debt and the only document received was a copy of the bill in my name that had been sent to me. Subsequently, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXXXXXX, a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX and a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, all seeking collection of the {$2000.00} XXXX bill. I have now received two letters from Jefferson Capital Systems XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX relating to the XXXX bill. I requested from XXXX XXXX a copy of the ''original document from XXXX '' to show who signed the XXXX account and never received any reply. Attached are the two letters I have sent to Jefferson Capital Systems , LLC one dated XX/XX/XXXX and the other dated XX/XX/XXXX which asks for verification of the debt. Jefferson Capital Systems , LLC never responded to my request to verify the XXXX debt. It has now been more than two and a half years and successive collection letters from five collection agencies to collect a debt that is not mine and as to which no collection agency has provided the documents that show who originally signed on the XXXX account. I consider XXXX XXXX ( XXXX XXXX XXXX XXXX, NJ XXXX ) to be responsible as well as all five collection companies that have not responded to my request and Jefferson Capital continues to harass me which I believe constitutes an ''unfair practice '' under Section 808 of the federal Fair Debt Collection Practices Act. I am happy to provide additional documentation to the CFPB relating to my responses to all of the companies listed in the attached letter dated XX/XX/XXXX.
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| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Jefferson Capital Systems , LLC has been holding my credit hostage. They are saying I owe money I do not. They are unable to provide me proof of this debt. The original debtor they say I owe is XXXX XXXX, who I am still a member with and have not ever owed. I still service with XXXX XXXX in which I pay them every month for. I don't know if they obtained a wrong clients info but I have and do not owe Ideal Image or Jeffersons Capital.
I have asked them to remove this from my credit bureaus several times and although their automated system say they have asked the credit bureaus to remove them from my file since XXXX XXXX XXXX XXXX, the credit bureaus say they are still reporting every month. So, they are literally being deceptive. They have removed the debt for a while and have put it back. I need help getting this settled and to alarm CFPB of their deceptive practices. They are not going to force me to pay for something I do not owe. I am an XXXX and I work to hard and face to many dangers this pandemic to just give my hard earn sweat and blood money to the thieves.
I will attach an email from Ideal Image saying I do not owe or ever owed them that amount and that I currently have service with them. Thank you.
P.S.
I called XXXX XXXX today, now they say I owe them under another company but the price has not changed. I ask how come the company has switched and they say I do not know what was told to you yesterday XX/XX/XXXX. Now I am sure there is something deceptive going on. I need help getting to the bottom of this. I only wish I could get yesterdays recording as they say everything is recorded. I got a representative from Ideal Image to send me proof I do not owe them, but all of a sudden when I said I have proof I do not owe Ideal Image, they list another company. Please help. Thank you.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX was contracted by Jefferson Capital to collect on a debt originally owned by XXXX XXXX XXXX. XXXX & I came to a settlement amount of {$2600.00}. This was in XX/XX/2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to XXXX and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to XXXX to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. XXXX then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet XXXX denies this despite the check being clearly stamped " XXXX for deposit only '' ( which XXXX provided me with a company ). To this date, I have not heard from XXXX or Jefferson.
|
| 04/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Hi, Jefferson Capital Systems , LLC- has violated my rights. They have place a debt of {$350.00} collection notice on my credit report which is hurting my consumer credit report. I have requested from them via phone and certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They never responded. Jefferson Capital Systems , LLC can not provide proof that I owe this debt of {$350.00} and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. In accordance with the Fair Credit Reporting act Jefferson Capital Systems , LLC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Jefferson Capital Systems , LLC as has violated my rights. 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Please help.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, Mn Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : Jefferson Capital Systems, Inc.
Alleged Original Creditor : Account number : XXXX XXXX XXXX XXXX Name : Jefferson Capital System , Inc.
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$1900.00} Current Creditor : J
efferson capital systems , Inc . Dear Jefferson Capital Systems, Inc
.
I recently received communication from you to collect the above-listed alleged debt.
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney.
Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
|
| 10/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
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Currently in litigation at XXXX XXXX XXXX Case # XXXX, I received a presentment postmarked XX/XX/XXXX from XXXX XXXX who represents JEFFERSON CAPITAL SYSTEMS. Regarding Case # XXXX, Account # ending in XXXX, with a XXXX # XXXX, for the amount of {$990.00}. I have requested Validation of Debt not once, but twice. Sent via Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The second request Certified Mai l # XXXX XXXX XXXX XXXXXXXX XXXXon XX/XX/XXXX. Let it be known that this very moment, I still have not received a Validation of the alleged Debt. The responses to my inquiries were duplicate packets with letter and statement of account dated XXXX XXXX from the office in XXXX, Wisconsin. Not from the office located in XXXX, Massachusetts where the Validation of Debt inquiries were sent and signed for. Also, two copies of what was submitted to XXXX XXXX XXXX were sent to XXXX XXXX XXXX Attn : XXXX XXXX, Clerk Magistrate in XXXX XXXX, Massachusetts for Case # XXXX via Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX and Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX. They can not validate the debt because they can not produce an Original Contract. As a matter of fact, per my credit report dated XX/XX/XXXX the alleged debt that I am being sued for was closed and written off, then purchased by another lender. Notice, it is a fact, and I am aware, you can not represent as an attorney and collect a debt at the same time without being a debt collector. Thats violation of the 15 US Code 1692e ( 3 ) and I am in litigation with a third party as they were not involved in the original transaction, nor do I have any contract with them, and I do not consent to this third party to being in my affairs. All testimony or representation from this third party is heresay!
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| 05/07/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed my consumer report, which violates the FCRA and FDCPA. Jefferson Capital is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. On XX/XX/XXXX I got a letter from Jefferson Capital about an alleged debt, on XXXX/XXXX I sent a debt validation letter, on XX/XX/XXXX I sent a second debt validation letter. On XX/XX/XXXX Jefferson Capital stated they are closing the account but didn't mention about deleting it from my consumer report.
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
This is also a Notice exercising my rights to prevent the processing of my personal data by Jefferson Capital. Please be advised that providing a memorandum or other statement from your agency, stating that Jefferson Capital the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report immediately and send conformation. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
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| 05/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!!
I demand that the following accountS be removed immediately
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| 12/16/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.
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| 07/20/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
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| 08/21/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Received a notice in the mail on XX/XX/2019 from Jefferson Capital Systems, LLC for a debt of XXXX. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for XXXX The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for XXXX. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history.Unexpectedly onXX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX requesting XXXX for the balance owed to Jefferson Capital Systems, LLC. Infuriated that Jefferson would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted XXXX XXXX XXXX XXXX and spoke with XXXX. I explained to her the situation and asked her if they could review my call with Jefferson to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with Jefferson and I would receive a call back. The XXXX is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so todayXX/XX/2019 I called XXXX XXXX XXXX XXXX again at XXXX requesting an update and the representatives are telling me they cannot locate an account for me. This debt of XXXX has significantly decreased my credit score and I want it removed! Please help me! I feel helpless.
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| 03/25/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX.
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
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| 04/15/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX.
OnXX/XX/XXXX I spoke with XXXX XXXX of XXXX XXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance.
The claim number for this is # XXXX and the contact # I have for the company is XXXX.
Thank you in advance for any assistance you can provide.
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| 07/18/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I buy a car in the process something was not right with the sale..I agree with the financial and dealer to closes..they explained to me the financial language will negative in my side but because is another way to let happened... they refund some money by electronic deposit and final send me Small check to closed in positive the agreement..in the process when my account stared to collapse collection company buy this account. My original financial account closed (, not exist in the records ) and collection NEVER show up untill this XXXX reported in my credit that I owed them..after I denied that I don't owe anything to them they send me to Court I do show I REQUESTED before judge where is the proof my responsibility with them they never did.just because they said the original financial is where they requested this money .I told the judge that account is closed in good terms as agreement between the dealership and financial and me. And then the judge ask for investigation... time past is not investigation made because the account is not exist anymore. Finally I got the Court for trial..is pending for XXXX ... and my question is the evidence to collections present is bunch of page without any information..plus the dates are wrong the amount I pay in the original not mach is Several mistakes and not included that in credit is damage because all my credit decrease drastically for their report account..not even when the original financial collapse my contract was affected the way this people intended to do.. please help me and educated me what's my options to removes this XXXX people of me.i was planing to buy me a house and right on the time my credit was good everything denied because this people set up a debit was not longer in my record.
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| 07/15/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, and XXXX have violated my rights.
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 an account without written instructions.
The following information is incorrectly reported by XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEM ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEMS ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
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| 12/28/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.
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| 10/22/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I did get did not give any -written permission for these accounts to be published on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / account deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent ACCOUNTS on my XXXX XXXX credit report THERE ARE JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY!
Ive submitted proof of Identification card, Social Security card proof of address and FTC report.
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| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : Jefferson Capital Systems- Account # XXXX XXXX XXXX account # XXXX Jefferson Captial Systems- Account # 1903 According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
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 an account without my written instructions.
15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 08/19/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I have thoroughly reviewed my records, and I can confirm that I have never had any dealings or financial obligations with you or the reported account. This inaccurate reporting is not only misleading but also adversely affecting my creditworthiness, which has significant implications for my financial standing and opportunities.
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation as a consumer reporting agency to ensure the accuracy and integrity of the information you report. Section 611 of the FCRA grants me the right to dispute any inaccurate information on my credit report and request its prompt investigation.
Therefore, I kindly request that you take the following actions : 1. Conduct a thorough investigation into the reported account, including verifying the accuracy of the account information, its association with my personal details, and any supporting documentation or agreements related to the account.
2. Provide me with a written response detailing the results of your investigation, including any evidence supporting the accuracy of the account or the basis for its removal from my credit report.
3. If the investigation reveals that the account does not belong to me or is inaccurately reported, I insist that you immediately cease reporting it to all credit reporting agencies. 4. Ensure that any negative information associated with this account is promptly removed from my credit report, as required by the FCRA.
I expect this matter to be resolved within 30 days from the date of receipt of this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me in writing and provide a detailed explanation for the delay.
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| 03/13/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This complain is for XXXX XXXX XXXX. It was supposedly for XXXX XXXX for {$300.00}. It was dated a few years back. Fast forward. Im in the middle of processing a mortage loan now. Had to pay the balance to raise my credit score up and remove the negative remarks they put on my acct. Before i paid them, i called to see if they can send over a bill with the amount i owed. They declined to do so in writing and redirect me to XXXX to see the balance. Decided to overnight the money order with the said balance on XX/XX/2019 with signature needed making sure theyll get the payment on time at XXXX on XX/XX/2019. Called the next day after it was signed by a person named XXXX XXXX at XXXX. Spoke to a representative and was told they havent received the payment. I told them it was signed at XXXX so they should have it on record. They said that the payment isnt posted yet and declined my request for them to expedite the process because i need a letter from them saying they received the payment and the balance is now {$0.00}. Spoke to a supervisor and they were no help either. Mind you that ive called them multiple times in the past week and they arent willing to help with anything. The second time i called it was a lady representative that helped me. I was on the phone for 50/more mins. She would put me on hold multiple times and failed to inform me that theyre updating their system and its slowing everything down. Mind you that i have a newborn baby and have other errands to do therefore i dont have an hour to sit around and be on the phone with them! Now my mortage loan was declined due to this mishap!! And i tried to access my acct from their website and it says my accts not accessible thru the web and have to call them.
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| 10/02/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit reports from a company called XXXX XXXX XXXX. I called and spoke to a customer service agent then I asked to speak with a supervisor. I spoke with a young lady by the name of XXXX XXXX. I explained to her that her company placed a collection on my reports that they alleged was placed with their company by XXXX XXXX. In order for the rep to look up my account she asked my name and SSC number. I told her that I would give her my name and last 4. I asked the rep what address they had. She said they had a XXXX XXXX address in XXXX SC I explained to the rep that her company claims this debt was placed with their agency on XX/XX/2018. I told her that I know the company was being deceitful because I was still disputing this fraudulent account with XXXX XXXX and the account was finally removed from my reports on XX/XX/2018, so XXXX could the account be placed with them in XX/XX/XXXX when XXXX still had it in XX/XX/XXXX and was communicating back and forth with me regarding the account, until it was finally removed due to fraud. I called XXXX and explained all this and they in turn informed me they did not place the account with anyone due to fraud and advised me to file a complaint and dispute the accounts with the credit bureaus. I informed them the address they have I have never lived at. I have never heard of this company, I never received any type of communication stating they were placing this fraudulent account on my reports. I may also sue this company for defamation and smearing my credit. This company is using illegal tactics to get consumers to pay collections that they can not validate and do not own
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| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
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| 07/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, Yesterday - XX/XX/XXXX - I was alerted that a new collection account has been added to my credit report. When I further investigated I was notified by the collection agency that this was a collection account for first access credit card. I have never had nor have I applied for a first access credit card. They claim that I took this card out in XXXX of XXXX. Why is there no hard or soft inquiry from them at this time? Why have i never received a credit card statement either by email or regular mail. They claim to have my address I have never received a statement or anything sent to my address @ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. I receive emails from the USPS every day which details what mail i have received on any given day with copies! and I have never ever received anything from this company. They have also never ever even reported a balance nor " my purported ' past due payment to any credit bureau. Now they are telling me two years later that i have a card with them that i never paid??? i tried reaching out to first access by phone and email no response. I called Jefferson collection agency JCS @ XXXX they are telling me its serviced by another company which i called @ XXXX ( they never gave me a name of the actual agency " handling this debt '' Even when you call they don't provide a name of their company or anything.. they hung up on my after screaming at me that this is my debt they refused to provide me with a verification of debt!!! before hanging up on me! Please help me this is a fraudulent company and this is not my debt. I am in the process of purchasing a house and this happened right at the point of submitting an offer I can not believe this is happening to me. Please help me!
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| 12/14/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I received correspondence from several attorneys that Jefferson Capital has filed a civil suit against me. In XX/XX/2019 I disputed an account with Jefferson Capital for a XXXX account they were trying to collect on they failed to prove the account was mines which resulted in the account being removed from all three of the credit Bureau. Since the removal of the account Jefferson Capital have never made any additional attempt to collect on the debt. So on XX/XX/XXXX I received some random mail from several attorneys that Jefferson capital filed a lawsuit against me, I immediately called Jefferson capital and spoke with a representative in the litigation department. When I asked her to explain to me why Im being sued if they removed the account and stopped collected on the account months ago she couldnt answer my questions. She then transferred me to the dispute Dept who I then spoke with a manager who couldnt explained to me why I was being sued if they had stop collecting on the account. The manager then told me she will send a email to the litigation Dept manager to give me a call back as they will be the better Dept to explain to me why Im being sued. No one have called me back. I have called on multiple occasions and spoken to multiple reps who keep transferring me to other departments because no one can answer the question as to why Im being sued. I was even transferred to the direct attorneys voicemail and I left a voicemail for them to call me back and still no one have called me back. On XX/XX/XXXX my wife told me that an officer came to the house looking for me to try give me papers from the lawsuit. I then called Jefferson captial once again and still no one is able to give me any resolution
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| 09/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 ) Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.
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| 01/24/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Good Morning, On XX/XX/XXXX I called XXXX XXXX to settle an amount for XXXX dollars for a canceled XXXX XXXX plan. We agreed upon XXXX to settle the account and show it as paid and closed. I paid the agreed upon amount and waited for it to reflect on my credit report. It finally was updated and was removed from my credit report initially. Later I noticed it was on my XXXX Credit report so I disputed it and it was successfully removed on XX/XX/XXXX. Report Number for this is XXXX in reference to account number XXXX with XXXX XXXX. Since this time I have started the process of buying a home and when my credit report was pulled I was shocked to discover that this account was back listed as a collection account with both XXXX and XXXX. I have disputed the account with both and it still hasn't been removed. I then called XXXX XXXX and they had no idea why it was showing on there end as no longer settled and weren't of any help. I then proceeded to go back through my bank statements and find the exact day and time I paid the settled account. There was a phone number listed that didn't match XXXX XXXX so I called it and it was another collection firm. She affirmed to me that I did in fact pay the debt and the amount I have referenced above that for some reason XXXX took back ownership of the account and she doesn't know why. So here I am not knowing " why '' a account I have settled is still showing as unsatisfied. On my bank statement the amount charged to me to settle the account also has XXXX listed so I am upset with this matter. Something is being done wrong and I find it highly offensive that no one seems to know why. How do you lose an account and then magically reopen it back up as not paid?
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| 07/22/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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For two years I checked my credit report and saw XXXX XXXX XXXX collections reported by Jefferson Capital Systems LLC on my report. XXXX for {$200.00} and the other XXXX for {$500.00}. I contacted Jefferson Capital on XXXX XXXX, 2016, and they referred me to XXXX XXXX XXXX to settle the debts. I paid {$100.00} using my debit card over the phone, and it was debited on XXXX XXXX, 2016. I requested to settle the {$500.00} account as well, the agent told me that there was no other accounts in collection. I contacted Jefferson Capital again, the agent I spoke to also told me that there was no other accounts in their system when she searched using my social security number. I went to the XXXX website and disputed the charge. Jefferson Cap. rejected my dispute and confirmed that my debt was legit. I called them again, and in some miraculous ways they found the account. On XXXX XXXX, 2016 I called and made a payment in the amount of {$170.00} that settled the account ( {$500.00} ) in full. Since I paid over the phone using my debit card again, the money was debited on XXXX XXXX, 2016. After that I requested for the debts to be deleted, and they were deleted by XXXX XXXX, 2016. On XXXX XXXX, 2016 I checked my credit report on XXXX and realized that XXXX XXXX. reported a new XXXX XXXX charge in the amount of {$330.00} to be collected. I called their phone number XXXX twice on XXXX XXXX and twice on XXXX XXXX, 2016. Their automated system says " no one is available to answer your call at this time '' on both occasions and the call just ended. I called XXXX to dispute the charge, although the agent assured me that it will be deleted within 24hrs, she also recommended that I file a complaint with CFPB.
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| 01/07/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
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| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have never had JEFFERSON CAPITAL SYSTEM as a creditor. Per my research JEFFERSON CAPITAL SYSTEM is a debt collector falsely attempting to collect a debt that isn't there's.
I have requested that JEFFERSON CAPITAL SYSTEM provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with JEFFERSON CAPITAL SYSTEM.
In addition please provide the contract signed between JEFFERSON CAPITAL SYSTEM & 12 XXXX XXXX, notarized and sworn under penalty and perjury for JEFFERSON CAPITAL SYSTEM ability to collect this alleged debt.
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
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| 01/19/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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My name is XXXX XXXX XXXX XXXX.
A Debt collector going by the name of 'JEFFERSON CAPITAL SYSTEMS ' has been trying to collect a debt of {$1500.00} since XX/XX/2019 that I do not owe. They claim I made a deal with XXXX for the above amount back in XXXX that I was supposed to pay back within a month to XXXX.
I was homeless and collecting XXXX in XXXX and currently still carry a XXXX XXXX XXXX XXXX card with client I.D . XXXX I attained in XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX by way of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also was receiving mail at a homeless shelter called XXXX XXXX ' at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My contact there was XXXX XXXX.
I had absolutely no business with XXXX for the amount owed and have had no business with XXXX since about ten years ago.
The charge is not only false it's fraudulent!
Please investigate as this is not simply a matter of credit worthiness or principal but a matter of greater importance being fraudulent.
I had no idea about the charge until I was finally able to view my report just this month.
I want to note that the charge has caused me considerable damage. It was a major factor in why I couldn't get an apartment. I'm now living at XXXX XXXX XXXX XXXX in XXXX XXXX and hope to finally get an apartment soon by way of XXXX XXXX XXXX here in XXXX or through the XXXX XXXX.
Again, the debt collector is 'JEFFERSON CAPITAL SYSTEMS ' and their address is listed as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with phone number listed as ( XXXX ) XXXX Please let me know if there's anything else you need from me. My number is XXXX and my name once again is XXXX XXXX XXXX XXXX.
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| 02/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected.
Also, I have received a statement claiming that I owe a debt to XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.
6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
I also request to see a certified copy of any contract or agreement between you and XXXX XXXX that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted
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| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe.
2 ) The address provided to and reported by XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
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| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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After years of using XXXX, I received a letter from XXXX on XX/XX/XXXX that stated : " During a recent review of customer accounts, we discovered you were using a significant amount of data while roaming off the XXXX XXXX XXXX.
While we appreciate you choosing XXXX, after XX/XX/XXXX, we will no longer offer service for the numbers listed above since your primary place of use is outside the XXXX service area.
We encourage you to evaluate your wireless provider options and switch your service on these lines to another provider before XX/XX/XXXX. After your XXXX is discontinued on XX/XX/XXXX, you will no longer be able to transfer your phone number to a different provider. '' I switched providers on XX/XX/XXXX. Having to start over was very costly as the new provider did not support any of the devices we were using with XXXX. The letter also go on to state that outstanding balances will be waived no later than XX/XX/XXXX.
I called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with them.
I received another bill from them after I switched to a new provider. I called them again and clarified that balances would be waived. I believed my accounts with them had been settled and closed.
I reviewed my credit report and I now have an account in collections from XXXX opened on XX/XX/XXXX for the amount of {$240.00}. I do not believe that this is valid. I have already disputed it with the collection agency, Jefferson Capital System. This was their response, " Account information disputed by consumer, meets FCRA requirements. ''
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| 06/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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This involves my account with XXXX XXXX XXXX, and new returned phone XXXX and my entire account. My XXXX account was paid in full on XX/XX/2017 for a due date of XX/XX/2017. XXXX bills a month in advance of service. I closed my account with XXXX on XX/XX/2017. They actually owe me money. My Complaint is against Jefferson Capital Systems. They are reporting on my credit file for a debt that I do not owe related to XXXX. They report this in a way that is deceptive as if it is a current item, when it is not. it is 5 years old., This is not a valid debt as I owe no money to XXXX XXXX XXXX wrongly charged me fees, taxes, phone service for a phone I returned during the first 10 day grace period and XXXX also did not credit my account for charges related to the new phone that I returned to XXXX during the grace period. XXXX failed to reverse charges for service amounts and other charges. I paid in advance and XXXX did not credit me any of the charges they added regarding the new phone and they continued to charge me for a phone I didn't have- they had it. I was't using it but they were charging me anyway. XXXX continued to charge me month after month for service and phone number even a I closed the XXXX account on XX/XX/2017 a month and half later because they were not crediting me and were continuing to bill me wrongly and incorrectly. I decided to leave XXXX because they weren't correcting this after several attempts in contacting and speaking to them. I ported my phone number to XXXX and switched providers a month and half later. I didn't have service with them after XX/XX/2017. I owe nothing to XXXX. This is not a valid debt and this is also time barred.
|
| 09/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to bring to your attention a concerning matter regarding a collection account held by Jefferson Capital, with the original creditor listed as XXXX. After conducting a thorough investigation, I am unable to find any record of an account in my name with the aforementioned entities.
Upon reviewing my credit report, I was surprised to discover an entry from Jefferson Capital, claiming an outstanding debt related to a purported transaction with XXXX. Despite my best efforts, I have been unable to locate any information or documentation pertaining to this alleged account. I have contacted both Jefferson Capital and XXXX, and they have been unable to provide any substantive details or evidence of this debt.
In light of this, I am formally disputing the validity of this collection account. I believe that there may be an error or misunderstanding in the reporting process, as I have no recollection of any financial transaction with XXXX that would lead to this debt. Additionally, both Jefferson Capital and XXXX have been unable to furnish any supporting documentation or verifiable information regarding this account.
I kindly request your assistance in investigating this matter further and ensuring that my credit report accurately reflects my financial history. I believe that this discrepancy may be negatively impacting my creditworthiness, and I am eager to resolve it as soon as possible.
Please let me know if there are any additional steps or information required from my end to facilitate this investigation. I appreciate your attention to this matter and look forward to a prompt resolution.
Thank you for your time and assistance.
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| 05/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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I received a phone call last week stating I owe {$12000.00} for health insurance. I am a XXXX employee and was a XXXX XXXX before that - since 2010. I was XXXX before that. The XXXX/my XXXX XXXX has always paid my medical insurance directly from my paycheck. Ive never requested additional coverage ( especially to the tube of {$500.00} a month!!! ) I dont owe this debt. They sent me a letter in the mail today. It hasnt gone against my credit yet - but Im afraid it will. I have over 800 credit score and have had for over 20 years. Im tried to call the company and no one is available to speak to me. Even leaving a message cant be done because the automated system hangs up on me. This letter demands I provide my full social security number, account number, a description of my complaint ( their errors ), the dollar amount I owe ( even through they told me what I supposedly owe but so not owe ), date of their error ( but I have no idea what this is about - first time I heard of this was last week when the lady told me I owed 12 grand and hung up ), and a copy of my credit report. Um. Not o my no, but XXXX no. Im not giving a random company all the info they need to steal my identity. They cant even get it right that I dont owe a XXXX ton of money for something Ive never purchased. This is obnoxious. I dont owe them anything yet they dont provide a means to speak to someone, and the burden is on me to chase them down and provide vastly personal information. Why would I trust them with this info even if I did owe money????
How can I get them to stop asking me for money I cant owe since Ive ordered {$500.00} a month medical insurance I didnt need?
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| 02/11/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
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A complaint was file in 2021 ( see XXXX ). The company removed the item from my credit report but has since reported it, again, causing damage to my credit report. They have continued to update the reporting in order to cause further damage to my credit profile.
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the XXXX Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My identity has been comprised since sometime in XXXX at least. Last XXXX XX/XX/XXXX, I received a notice from the Virginia Employment Commission ( VEC ) stating that I filed for unemployment benefits. However, I've been gainfully employed the last 16 years with the same company and my company denied the claim due to it's fraudulence.
I filed a police report with my local police department, added a fraud alert and credit freeze and pulled my three credit reports. I saw three accounts that I did not open, charged off in collections- all opened in XXXX during covid.
I reached out to XXXX XXXX and advised of the unauthorized account, I asked for proof such as picture ID or signed contract - they stated the account had been sold.
I reached out to Jefferson Capital also advising them of the unauthorized account they stated they would look into it. I disputed the tradeline and it was validated by Jefferson Capital.
Now, Jefferson Capital is suing me in district court, to collect on a fraudulent account opened with my stolen identity, which I have evidence it was stolen based off VCC letters, police report etc.
I've asked Jefferson Capital to send me a signed contract ( if e-signed a picture of the signature ), picture ID of the applicant to identify who opened this account ( which could lead to the arrest of the perpetrator ), which would exonerate me of this debt and stop Jefferson Capital 's collection efforts.
I request that Jefferson Capital cease all collection actions and delete their tradeline from all credit reporting agencies permanently.
Any legal fees or wages lost may be added to my countersuit in court or via arbitration.
|
| 08/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYST Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history.
Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation.
I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being.
Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter.
You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation.
Thank you for your immediate attention to this important matter.
Sincerely, XXXX XXXX
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| 07/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Collections account for {$450.00} reported to credit bureaus on or around XX/XX/2023 by Jefferson Capital Systems LL C I was never contacted by phone, writing or electronically in order to give me my legal right to request a validation letter.
On or around same time I called to Jefferson Capital.
Who could not provide me with any relavant information. This included no account number dates or any information of attempted contact to allow my a resonpe to the allefged debt. Instead i was provided with a phone number by a recorded message to call to a payment center. Called that number spoke to a rep who only had an amount due of {$450.00} and wanted to know how i would like to pay. I told them i was unaware of any account. They asked for my email. They told me the acc was associated with another email. They agreed to notify Jefferson Cap of this. I also requested a debt validation letter. Never recieved a response. I disputed this through XXXX XXXX to XXXX 3 times. No answers were given, other than to continue to alledge this was a valid debt from XX/XX/2023. The alleged creditor was XXXX XXXX. I called XXXX affirm and was told they had no record of an account from me at any time or around XX/XX/2033. I Jefferson Capital collection has failed to provide any proof, any relavant information, and they have relied on improper methods. Unable to provide me with any requested information i am legally entitlted to receive they remain unfairly stubborn and in intentional and complete disregard of my rights and in intentional violation of the laws governing credit reporting they refuse to remove this from my credit file causing me irreparable harm.
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| 12/17/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I had opened a phone account with XXXX XXXX in XXXX. I stopped paying on the account in XXXX ( exact date unknown ) when I lost my job and could no longer afford my phone. Eventually, the account went to a collection agency in XXXX I believe. However, my credit report shows the collection account was opened in XX/XX/XXXX but that is not correct. That may be when the account was sold to the current agency, but the account was originally reported in XXXX and therefore, is too old to appear on my credit report. I have disputed this with XXXX several times but the issue remains unchanged. I have contacted XXXX XXXX to obtain only the dates of which I opened my account with XXXX and the date of which the account was closed due to non payment. The representative I spoke with refused to provide this information to me because I was no longer a customer and was told I would need to contact the collection agency with any questions I had. However, if I reach out to the collection agency, this will restart the time for which the account will appear on my credit, another XXXX years. I am submitting this complaint against XXXX XXXX for the fact that they refused to provide me with information pertaining to my own account after providing requested personal identifying information to verify my identity. As a consumer, I should be afforded the courtesy of accurate information requested while investigating my own account information. Instead, I was treated unfairly and spoken to in a manner that was highly disrespectful. I believe XXXX XXXX is withholding information pertaining to my account unlawfully and I want this investigated immediately. Thank you
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| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Jefferson Capital bought my XXXX wireless debt from XXXX XXXX collection campany - in XXXX XXXX. The original date of debt was back in XXXX with the original collector and the original company reported it correctly. After all these years I saw that the debt finally came off my report only to notice a couple months later that a new collection company put a new collection on my report. When I contacted this company I noticed that the amount was the same that I previously had on my report from the XXXX debt. Jefferson capital decided put on my report my old debt with a re-aged date of when they acquired my debt. When I spoke to the supervisor about this not being a legal practice and that they should n't penalize me all over again for my mistake that I made years ago they said that they reported the date that they bought the debt and that they are not re-aging or breaking any FCRA rules and regulations. I feel very hurt and upset that a collection company would lie and re-age my debt that I have already paid my price for. When I asked them to send me their prof of the documents that show exactly when I did n't pay this XXXX account that they put on all XXXX bureaus they said that everything is electronically done and they do n't have those files to send me. I asked them how that is possible to report collections onto peoples reports and not have the documents to support them. The supervisor said that if I have a problem then to dispute it because they did nothing wrong. I 'm disappointed Jefferson Capital is not following the rules. Please help me put this old debt behind me so that I wo n't be punished all over agin. Thank you, XXXX XXXX
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| 04/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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I had a XXXX XXXX account back in XXXX it is a closed account and paid in full. The company is paid in full on all credit reports. This company is closed and paid in full and the credit reports reflect this. I tried contacting XXXX XXXX and they are no longer in business and now this company Jefferson Capital Systems LLC shows up on my report. A collection company called Jefferson Capital Systems LLC put on the credit bureaus that we owe money to them. I have documents from credit bureaus that this account is paid in full. Please help as no one at the credit bureaus are even looking into my accounts. This company is trying to collect something that is not owed to them. This company has impacted my credit horribly and they should not be allowed to get away with it. I am sending the credit information showing this company is fraudulently reporting and refuses to remove it. The credit bureaus are not taking the time to investigate the companies actions. Below is the information they are reporting to all three credit agencies. I called the company never heard of me. FRAUD!
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements This is what it states on credit bureaus but it is fraud and does not meet FCRA requirements. It is actually violating FCRA in sections 608 and 611. Please investigate thoroughly as this company is violating FCRA and FDCPA very badly and falsely putting information on my credit reports under collection.
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| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2022 I sent Jefferson Capital Systems a letter asking them for Validation of a alleged debt that they said I owe them in the amount of {$840.00}. Instead of complying with my request and sending me what I asked for, they sent me invoices that are supposed to be mine. By validation, I am asking for the follwing : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
They continue to attempt to to damage my reputation by reporting this collection account on my credit reports. I also am attaching a cease and Desist to this complaint and I need the company to cease all collection activity and cease communication about the debt which includes the reporting of this inaccurate information to my credit profile. By reporting this information to the credit bureaus they will be in direct violation of the cease and desist letter attached to the complaint and the credit bureaus will be complicit in this violation if they continue to report the account as well.
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
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|
Web |
Older American |
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I tried so many time to contact XXXX regarding this billing XXXX/XXXX. I always took a one hour lunch and spent it days on end on hold with XXXX. I could never get anyone to come on line. The only response is automations encouraging you to wait. My simple question was how did my billing get to be so expensive, and I was suspecting there was some form of fraud. After I had finished my term for the job I decided to wait all day to talk to someone no matter what or how long it took. I was told there were movie rentals which I did not give approval for, but still no one could have a bill that large from movies. I ask the representative to send me the billings for the past months so that I could see detailed information. So finally I did get a billing with only dates and dollar amount with no explanations as to what the charges were for. I was discouraged and sad that I had to give up XXXX. Within the next few months I began checking my credit reports only to find that XXXX had written off the billing as a Charge Off. I was relieved and truthfully at my age I would probably be dead before the bill was paid. So it was written off and I believed that to be true because it was on the credit reports. I do understand collections and know that some old billings do get sold for maybe XXXX cents and a new collector like this one is trying to collect. If it is written off then I am not obligated. However if I should every win the lottery then I will pay anything I owe off in a heartbeat. I am not happy about this interruption and will be going through my old credit reports to look for the Charge Off. I think someone needs to do their homework.
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| 10/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
|
This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the XXXX website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, XXXX XXXX XXXX, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the XXXX XXXX representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt.
2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative.
On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to XXXX XXXX. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX.
On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the XXXX website and asking to have it updated as per the Agreement.
No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
|
This letter is in response to your letter on XX/XX/2021 related to the debt referenced above. I wish to save us both some time and effort by settling this debt.
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher.
I am willing to pay this debt for {$300.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$300.00} payable to Jefferson Capital in exchange to have all information related to this debt removed from all of my credit files.
If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Jefferson Capital. The letter will be treated as a contract and subject to the laws of my state.
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,
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| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN.
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put JEFFERSON CAPITAL SYST, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report.
JEFFERSON CAPITAL SYST XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium.
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency.
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ).
I do not have any business with your company, and I do not owe this alleged debt.
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.
If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially.
This is a warning, take this seriously.
Thank You for your cooperation.
Sincerely, XXXX XXXX
|
| 07/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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When I was XXXX ( roughly XXXX years ago ) I opened a {$500.00} limit credit card with XXXX XXXX. I did not close out the account. The debt was sold to a debt acquisition company and sold again to a similar company ( Jefferson Capital Systems LLC ). This company waited until XXXX to enter the judgment against me and used " gutter service '' tactics so I had no idea I was being sued and I had no idea that court date was taking place and I was unable to represent myself. When the judgment was entered in XXXX of XXXX the debt had increased from the original {$500.00} amount credited to {$4500.00}. Jefferson Capital Systems LLC then waited until XXXX of XXXX to begin garnishing my wages. In the four years that passed ( XXXX ) the debt sky rocketed to an unrecognizable amount of {$10000.00}. Yes, a {$500.00} limit credit card turned into a {$10000.00} debt that continues to grow because it still collects interest. I am a single father that works 40+ hours a week and I am XXXX XXXX to try and move vertically in my company to create a better life for my child. I 've already paid over {$7000.00} via garnishment and I still have over {$6000.00} more to pay. This is obnoxious and unreasonable and unfair practices. I have been trying to defend myself but all my motions have been denied. My latest motion cited the federal trade commission to see copies of the original credit agreement and the documents I need to confirm the principal amount and confirm the debt amount was denied. Is there anything I can do to seek justice or will I continue to have the life sucked out of me for a debt that has been paid off 10 fold already?
|
| 10/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Jefferson Capital Systems, Inc.
XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Previous disputes of this collection has not resulted in validation of the debt referenced in this complaint nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from all of my credit reports.
Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
|
| 07/13/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago
|
| 04/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have been trying to get correspondence regarding a repo Jefferson Capital Systems. I do know anything they report to the credit bureaus they must have proof of what they are reporting. The information must be 100 % accurate, 100 % verifiable, and 100 % timely. If they do no this is considered illegal and purposefully harmful. The reporting of this information has hindered me from obtaining credit. I have mailed two letters requesting proof of what they are reporting. Both sent certified mail ( attached ). The letters were hand-delivered to XXXX XXXX XXXX XXXX XXXX, MN XXXX. The first letter was received on XX/XX/XXXX. Since I received no response as a courtesy, I mailed a second letter on XX/XX/XXXX. Both of my letters gave them 15 days to respond.
In my letter, I gave the specific language of what should take place if no response. " Please know this is my second time writing you with no response. Please provide me with copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle listed. If no proof is provided within 15 days of receipt of this letter, the alleged claim of a deficiency will be considered null and voided and any collection efforts or continued reporting activities of this invalid claim on my credit reports will be considered a violation. Delet this inaccurate account immediately and send me an updated copy of my credit report top the address listed above. '' I am requesting that Jefferson Capital Systems stop reporting this inaccurate information to all three credit bureaus.
Thanks for your corporation with this complaint.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft.
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
|
| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.
I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.
Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.
|
| 02/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had sold a phone i got and called my cell phone provider XXXX to close the account and cancell my service. They said they will get it taken care of. Got a bill in the mail a month later with ridiculous chargers. They never closed the account and the person I sold the phone too was using my old service which wasnt an unlimited plan.
I call and dispute and they said they would fix it and dont pay the bill. So I dont Then I get 2-3 more bills in the mail with late fees and more charges from the provider. I dispute again and they tell me that I never asked to close the account. Which I did. So then they finally close the account and they tell me that I still owe that money even tho they messed up big time.
I create a XXXX complaint and have corporate call me 3 times. By now they already but my stuff into collections still while its in a dispute phase. And they said they would look into it and they apologized but they never got back to me. When I followed up I got the head of corporate on the phone and they ensured it was going to be taken care of.
3 years later its still in collections and they are still trying to collect a debt I dont owe. I disputed the debt with the collection agency multiple times. And they hang up ever single time. I call them back and they still hang up.
I recently successfully disputed it without a hang up and they still are destroying my credit with false claims. I told them to send a itemized bill and proof of debt and they havent sent anything to me. No proof that its owed and no proof that it is my debt.
Yet its still impacting me and my family.
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a court summons to appear on court for {$3400.00} credit card debt from a collection agency in Colorado. I called the number on the summons I explained to XXXX that I never received a XXXX credit card. He told me that ( XXXX ) XXXX had been sold to XXXX in XXXX.
I reviewed my emails and bank account transactions. I did have a XXXX card since XXXX and had paid through automatic withdrawals from my bank account. I had never missed a payment.
Also, I explained that I did not receive any notification from XXXX and that there is no record of a balance. XXXX had no record of my credit card and that I wanted to know why the amount was so large. By going paperless, I am not able to retrieve the card number or the monthly statements Emails are the only source of communication with XXXX. The maximum credit granted to me was {$1500.00} and I had stopped using the card and wanted to pay it off XXXX told me that he could reduce the amount I owed to {$2300.00} and I must pay in one or three payments. I explained that I could pay {$250.00} a month to settle this debt. XXXX threatened me by saying you owe this money and reminded me of the court date. Another person came on the call and told me the only offer available to me to settle this debt was {$360.00} for 8 months, I reminded him that I did not have any statements and still needed more information.
XXXX told me that this was the only option for me. So, I agreed to his terms Please let me know if this is a legitimate XXXX legal process for a person in this situation.
Thanks in advance for helping me.
XXXX XXXX XXXX
|
| 04/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I noticed that Jefferson Capital LLC aappeared on all three credit reports in early XXXX. The amount listed is {$1900.00} and the original creditor listed is XXXX XXXX. The date Jefferson Capital opened this was XX/XX/2019. I never received one notice or one phone call from this company and they never once allowed me to verify the debt or offered to verify the debt. I called them after I saw this on my report in XXXX and they were very rude and eventually I was transferred and hung up on. Late XXXX, I received a letter for payment in the mail from this company, but there was no verification or an offer to request a verification/dispute. The wording of the letter was threatening and not clear at all. It was worded in a way to confuse you or trip you up. It threatened a lawsuit even after it said the time limit had expired for that. It offered payment options, but then said payment would restart a lawsuit. I feel as though this company practices unfair and deceptive collection practices. I had zero collection accounts on my credit until this account was underhandedly added. I do not agree I owe this and I feel like my rights under the FDCPA have been violated in a few ways. First, I was never given a verification. Second, I was never given an opportunity to dispute this account. Third, threatening with a lawsuit is not legal when you have no justification to carry that out. I have also filed complaints with XXXX and if I can't get Jefferson Capital to delete their presence off my credit report completely and cease collection activity, I will consult with a consumer attorney.
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This account is not mine they will not send original contract with accurate information that has my correct information. I've disputed this 5 times and they will not remove it from all 3 credit reports Completed Disputes XXXX Jefferson capital syst XXXX XXXX XXXX XXXX Jefferson capital syst 1 more..XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 more...
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XXXX XXXX Protect my info XXXX Date Generated XX/XX/XXXX JEFFERSON CAPITAL SYST Account Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XXXX XXXX.
Status updated XXXX XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX Collection Payment history guide Collection as of XXXX XXXX Historical info Original creditor XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
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| 07/30/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company XXXX XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.
In response I received the statement attached from XXXX XXXX along with details of the sale of this account to XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, I re addressed a copy of my letter sent to XXXX XXXX and mailed it delivery certification ( see attached ) on XXXX XX/XX/2018.
I have not received a reply. It is over the 30 days time frame and out of compliance. Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
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| 12/21/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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A new debt popped up on my credit report listed for XXXX XXXX for XXXX XXXX for {$140.00}, an electric bill from the state of Michigan. It was listed as the debt collector being XXXX XXXX XXXX. I called XXXX on XXXX to get a copy of the original bill but it was from XXXX and they did n't have record of it once it was sold to XXXX XXXX in XXXX XXXX, I was told to contact them. I called XXXX XXXX on XXXX and was referred to XXXX XXXX XXXX at ( XXXX ) XXXX, apparently they were handling the collection for XXXX XXXX. I contacted total card inc on XXXX and told them I have never received anything from them about the debt. I also informed them that they placed the debt as being from XXXX XXXX when I have n't lived in Michigan in at least 5 years. The representative from XXXX XXXX XXXX told me that she would not send me the original bill, she would only send me their company invoice which would just state how much I owe them, not the original debt date. I told her I had contacted XXXX and that the original debt date was XXXX, charged of XXXX XXXX. The representative from total card inc then told me that they would put the correct dates of the debt on my credit report only if I paid them the {$140.00}. To my knowledge I thought this was illegal. The representative told me I could email XXXXXXXXXXXX for a validation of the debt but since XXXX XXXX XXXX bought the debt there 's no guarantee I 'll receive the original bill and to just pay it so it reflects correctly. I want the correct dates of this debt and I believe I am owed the original bill with the correct dates of the debt.
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| 05/29/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Between the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account.
On XX/XX/XXXX I was served with a summons in regard to this XXXX account by Jefferson Capital Systems and the attorney on file ; XXXX XXXX. The summons states that I am the assignee and owner of this account.
I have determined that this account is a result of someone using my personal information fraudulently from XXXX, MI and opening this XXXX account illegally. This account has been reported on my credit reports for over 3-4 years and should have never been attached to my personal information.
The facts that this is not my account are : 1. I have never opened a XXXX Account in any State or the State of Michigan ; city or county, etc.
2. I have never lived, rented or owned any property that would require me to open a XXXX account.
3. I have never given anyone permission or consent to use my personal information and social security number to open a XXXX account as stated.
4. I have never lived in the city of XXXX, MI and never resided at XXXX XXXX XXXX XXXX, MI as listed on the XXXX account billBetween the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account.
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| 01/04/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX XXXX # XXXX per XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX # XXXX is in violation of both FDCPA and FRCA.
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| 03/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I opened a account with ( XXXX ) XXXX XXXX ( Original creditor ) back in XX/XX/16. I was told my bill by sales rep that my bill would be would be {$160.00}. per month give or take a dollar. Got my first bill which was over {$400.00}. Went back to store spoke with the same guy and he stated its high due to being prorated, so I paid him cash. I asked if my next bill would be what he originally quoted he stated yes. So I get the next bill and it was even higher. Went back to the store and was told he was no longer there I tried many times to resolve this issue and wanted to return the 2 phones and was told that they could not do that. Paid my bill and left. I tried to get the main MGR on the phone and was repeatedly told he was in a meeting. I went to an actual XXXX store in XXXX, MD and was told that they could only help if I brought the plan through them and that the store I dealt with was a franchise and would have to deal with them. I closed my account on or about XX/XX/16. Checked my credit a few months later and saw that they put it on as a collection. Every time I get this resolved it pops back up again.The 2nd one is Jefferson Capitol Systems was the next, then now its XXXX XXXX XXXX XXXX.
It keeps getting sold and sold and I have explained it till I was blue in the face. I cant seem to win. I have only the above ( Jefferson Capitol on my credit but I am sure XXXX will pop up soon.. I am trying to get this removed but to no avail. Jefferson keeps stating that they are the original creditor and restarting the battle all over. Any help is appreciated.
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| 08/18/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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Jefferson Capital Systems , LLC being the original purchaser of this account from XXXX in XXXX had full control from it's in inception. Jefferson shared or gave either or this account with XXXX XXXX XXXX XXXX in XXXX, Texas, the XXXX of the world where XXXX was XXXX..
The account was PAID IN FULL on XX/XX/XXXX, XXXX See Cashiers Check and corresponding letter. Approx. 2 weeks later I began being harrassed by phone 20 calls per day, and harrassed in person ( with police reports to confirm ) and have continued to be harrassed in person to this day by 2 other companies that were the next to ones to contact me XXXX XXXX, XXXX.
from XXXX XXXX, Iowa and XXXX XXXXXXXX XXXX. The serious in field harrassment has continued for years now..We are now filing this second complaint from the fitst set of complaints filed on XX/XX/XXXX with CFPB. Nthing has changed.. We are niw filing criminal complaints with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . and the XXXX XXXX. XXXX XXXXXXXX XXXX along with a civil lawsuit in tbe amount of XXXX XXXX dollars for compensatory and personal damages.
We have sworn testimony and video as well as photography over 6 years to prove it all..My legal name was changed back to my birth name in XXXX from XXXX XXXX to XXXX XXXX. No more games. Jefferson Capital Systems , LLC will take full responsibility for having taken over the original file from XXXX. At tbis point under the laws that govern this matter I don't care who they gave it to or shared or sold it to, Jefferson takes full responsibility for these illegal actions..
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| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate.
The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me?
Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents.
This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.
Sincerely, XXXX XXXX XXXX
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| 01/25/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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when reviewing my XXXX XXXX account I noticed that there was a credit report from XXXX for the amount of XXXX. I called XXXX to see what this account was in reference to, they stated this was a cell phone bill, Which I have never has a cell phone with XXXX that was not pre-paid. they stated it was short term account I ask if they had my signature or Id on file they stated they could not give me no information because they transferred the collection over to Jeffery Capital System lLC. They gave me the number. My first attempt was to despute on XXXX XXXX which they denied. I than Reached out to Jeffery Capital on XX/XX/XXXX to try and resolve the debit, Because I am working on my credit score to purchase a home. I spoke with XXXX who stated that they could reduce the Bill to XXXX dollars if paid in full, I requested that they send me a letter with the company letter head stating if I was to pay this Debt in the amount of XXXX they would take the collect of XXXX off of my credit report. The response I got was " we are unable to do this. '' I did not at this time feel comfortable paying this amount without it in writing, providing that I do not believe this was my debt in the first place.
On XX/XX/XXXX I tried calling the Company again to settle the debt once again because this is affecting my credit score, I spoke with XXXX Who stated that the debt was no longer with them, she would give me another number to call. Which I was never notified that this has been transferred. On my credit report it has Jeffery Capitals system LLC as the debt collector.
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| 09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. Jefferson Capital Systems LLC has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXXs identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX Jefferson Capital attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract.
XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract.
Respectfully there was never an XXXX XXXX signed service contract.
CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties.
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX.
You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark.
If you reached this page through any of the other direct links listed above, please notify your administrator to update the link.
Thank you again for your patience and assistance. And thanks for using salesforce.com
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| 05/19/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
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| 10/15/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have one negative item listed on my credit. The account was originally for a " XXXX XXXX '' back in 2008. The account was paid as it should have been. I never heard anything from anyone until recently I inquired my credit reports and noticed that a delinquent mark was added for non-payment. This account was never in default or collections. The collection company that has claimed it is, is Jefferson Capital LLC. I have been going back and forth with them regarding this inaccurate item. I have sent numerous demands for validation regarding this account, which they have never responded to. I have also inquired with the XXXX credit bureaus and disputed the item that was listed on my credit. They came back to me with saying the debt was in fact mine, and that it will stay on my credit. I know the account was mine. That was never the item in question. The item in question was why they are reporting information that is not correct, especially after this account was paid in full and never went delinquent. After all my options were exhausted I contacted the Federal Trade Commission, only to find out that they company that is refusing to remove this negative mark has been sued by the FTC and lost. They were sued for unfair collection practices, and many more things. From what I gather by law, this is not supposed to be part of my credit, and needs to be removed immediately. Unfortunately I do not have any items pertaining to the payment of this account as it was over 7 years ago. I hope we can get this resolved, and removed from my credit. Thank you.
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| 06/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I was contacted during the Pandemic by Jefferson Capital Systems , LLC which said they purchased a credit card account I had with XXXX XXXX XXXX.
XXXXXXXX XXXX XXXX had already inflated my credit amount ( by giving me incorrect balance amounts while on vacation and this card services allowed me to keep charging over the balance limited amount ) and the result was financially impossibility for me to settle. The XXXX card began to charge over the balance fees, late fees and some other charge fees. the balance was almost {$2000.00} over the limited. Then the Pandemic happened and I could not afford to pay the XXXX card.
During the Pandemic Jefferson Capital System, LLC contacted me to create a agreeable settlement. I agreed to settle with a final 1 time payment of {$2100.00}. Purchased a bank check, after they drafted a letter which said the debt would be paid in full upon receipt of the proper check. See attached letter and proof from Jefferson Capital Systems , LLC This collections has messed up my credit with XXXX and XXXX XXXX. I sold my auto which had expensive repairs and often inoperable. Now I can not qualify for a auto loan because of this false collections. Auto loan companies use XXXX and XXXX XXXX... I have either been declined or received very high interest offers. Can You help? XXXX does not show this collection and my score is much higher ( Good status ) but auto loan companies do not use XXXX as I have been told. What a racket hurting the general public and making are life worse. Again can you help this XXXX single women?
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| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is a complaint against XXXX, Jefferson Capital, and XXXX regarding a collections on file from XXXX XXXX.
This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX.
When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed.
I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge.
In XXXX, XXXX sold the bogus debt to Jefferson Capital, INC.
Jefferson Capital has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS.
Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore.
I've disputed this twice with XXXX and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX dropped this exact collections filing IMMEDIATELY upon receiving my dispute.
I attached XXXX XXXX documents to my dispute filing with XXXX to serve as proof and make their job easier. XXXX ignored said attachments.
This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.
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| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, JEFFERSON CAPITAL, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
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| 03/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
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| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill.
2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill.
3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill.
XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum.
Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred.
2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.
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| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have for some time disputed Jefferson Capital about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on XXXX XXXX XXXX and XXXX and XXXX and XXXX replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Jefferson Capital decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Jefferson Calital was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX and they said they didn't receive anything from Jefferson Capital that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.
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| 12/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX at XXXX XXXX EST, I received a call from a company called XXXX ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt.
XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights.
I have an audio recording of this phone call, as does XXXX since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.
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| 08/27/2020 |
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
- Their investigation did not fix an error on your report
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Web |
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Recently after reviewing and obtaining a copy of my credit report I discovered that XXXX XXXX ( the original creditor ), reported an account as " Charged Off '' and sold to Jefferson Capital Systems , LLC, transferring a balance of {$1400.00}. The account initial opening date is XX/XX/XXXX tentatively ( transfer date in XXXX ). Despite several disputes filings date ( s ) XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX verbally and written and recently in XXXX requesting debt validation from Jefferson Capital has failed to report any change. XX/XX/XXXX a certified letter was mailed to XXXX XXXX XXXX, a representative listed and collection agent for Jefferson Capital Systems , LLC. requesting removal of the debt, to date no response has been received. Despite my efforts each investigation from the Credit Reporting Agencies has resulted unfavorable and continues to report as " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' I have included proof of certified mailings addressed to the Credit Reporting Agencies ( CRA ). ( see attachments ). According to the FCRA, Section 609 ( a ) ( 1 ) ( A ) required by federal law verification through the original signed consumer contract for all accounts posted on a credit report. ( see attachment ) To date, debt validation has not been satisfied according to the FCRA statue ( s ) my consumer rights have been violated.
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| 12/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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Received a letter from a company named Jefferson Capital Systems LLC claiming that I owed just under {$150.00} for an unpaid cell phone bill from XXXX XXXX When I contacted the company to inquire about the debt, I was transferred to a call center in XXXX who gave told me that they were going to report the debt to the credit agencies if I did not pay them the debt immediately. Since I had not had any cellular service with XXXXXXXX XXXXr since XXXX, nor had the company ever attempted to contact me in any way claiming that I had an unpaid balance, I was obviously very skeptical. Knowing that this was likely a scam at this point, I then contacted XXXX XXXX directly to inquire if they had any record of any outstanding balance due on my old account. They pulled my old account data and confirmed that there was no balance due, nor did they report any debt to any collection agency. When I contacted Jefferson Capital Systems back and confirmed to them that XXXX XXXX informed me that there was no debt nor had they been hired to collect such debt, the representative became very hostile before stating that they would just " forgive '' the debt. It appears very likely that this outfit has somehow obtained a list of XXXX XXXX 's old customers and is attempting to scam them out of small amounts which would be similar to that of an XXXX so that the victim doesn't ask any questions or contact the company to verify the debt. I guess we can add this to the endless number of debt collection scams out there predating on hard-working Americans.
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| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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On XX/XX/XXXX i sent Jefferson Capital systems a VALIDATION of debt request, requesting certain documentation that can prove the debt is valid and that the debt belongs to me. Jefferson capital then sent me a fraudulent bill. I asked for a signed contract note, and other documents be sent to me which should be easily found and provided if this debt is valid. Verifying my name and address is NOT validation of debt. Jefferson Capital MUST under the FCRA provide me with all of the documents i requested under the FCRA and the fair debt collection practices, but as of yet has not. Please see the document attached ( 2 ) as i sent them a validation request and a second notice to let them know that the requested documents have still not been received. The attached notification were sent certified mail and verified received. The solution to this issue from Jefferson Capital is that it cease and desist all collection efforts and that the alleged debt be removed from all 3 credit files within 30 days of this complaint. If Jefferson Capital refuses this resolution it MUST provide the following : The agreement with your client which legally grants Jefferson Capital the authority to collect this alleged debt.
The 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.
No other resolution will be acceptable in this matter.
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| 10/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Prior disputes have not produced, validation of the debt nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems, cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
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| 02/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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A XXXX XXXX branch has repeatedly placed fraudulent credit debt collection accounts for an amount that i do not owe, is highly inaccurate, and i am not accountable for. I had a XXXX phone account that was payed and ended in XXXX. The final bill was {$310.00} and I payed it and later ended my service. The company proceeded to illegally give my email, current account and following current number I had rights to by the service contract while it was still in use to another person. Then proceeded to bill and place a false report on my Credit for an amount of {$730.00}. This was taken down in XXXX due to fraudulence and inaccuracy by XXXX As XX/XX/XXXX they place another false credit report of a account debt collection for {$710.00} through another state. I have already tried to contact the company and deal with the problem during XXXX and I even did ask for a corrected amount to the account that I had payed during the final {$310.00} and to get the account info they where using and they not only denied services when I co-operated while willing to pay a reasonable amount to resolve the issues in a proper manner for services that i didnt even have. But Their info was also entirely incorrect on their company side down to who's name was on the phone number tied to the account to inaccurate amounts while having my ID in their services falsely blacklisted with incorrect info. I am at the point where I will no longer try to co-operate with them and would rather sue them for fasely ruining my credit and report their illegal actions.
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
These Accounts : XXXX 2.JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED.
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ).
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST.
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
|
| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft.
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1400.00} ].
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After reviewing my credit report I filed a dispute with XXXX for a debt held by Jefferson Capital Systems in the amount of {$2400.00} from XXXX XXXX. I filed the dispute on XX/XX/XXXX. About a week later I spoke to a representative from Jefferson Capital Systems pointing out that the debt was fraudulently linked to me. I have never had XXXX XXXX as a service provider. Additionally, the other address they referenced was located in West Virginia. I have never lived in nor visited West Virginia. I also do not have any family in West Virginia. Over the phone, the representative noted that she would add that I said that the debt was not mine and that they would no longer contact me.
I received a letter from Jefferson Capital on XX/XX/XXXX regarding the debt. The letter indicated that if I did not reply in writing to the letter within 30 days, they will assume the debt is valid. Because they did not indicate the proper address to send the letter to, I sent letters to the following address on the letter I received : XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, MN XXXX Additionally, on XX/XX/XXXX I attempted to call their offices at XXXX CDT since their website said they were open until XXXX CDT. Upon calling I received notification that no one was available to answer calls.
I disputed this debt a few years ago and it was removed from my credit history. However, I'm assuming it was resold to Jefferson Capital who is now attempting to collect the debt that had already been cleared from my history.
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT XXXX -XXXX XXXX XXXX, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE.
XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
My identifying information is as follows : Date of Birth : XX/XX/XXXX XXXX : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
|
| 02/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was contacted by a collection company in XX/XX/XXXX regarding an amount of {$550.00} owed to XXXX XXXX. I stated that I had not had an account with XXXX since XX/XX/XXXX and my balance was completed paid. I asked for verification and further details about this amount owed and was referred to XXXX XXXX XXXX. I sent a letter correspondence in XX/XX/XXXX asking for proof and verification regarding this debt and stated if in fact owed I was willing to make payment with removal of derogatory collection remarks. No verification or response was received. I then went ahead and disputed it with all 3 bureaus in XX/XX/XXXX. This dispute was denied and in XX/XX/XXXX I requested verification again which went unanswered leading me to believe this collection was in error. I sent notice to all 3 bureaus again via certified mail. This dispute was again denied and a letter from XXXX XXXX was sent to my home stating they would not share or verify this account with the bureaus. At this point this collection remains on my account hindering me from qualifying for a federal mortgage first time home buyers program which I am praying to secure. I have no other blemishes on my report other than this and through my efforts have received no response or solution in my attempts to resolve this. This company has been using different collection agencies to contact me and even has different names on my report under the same collection. On XXXX they are under XXXX XXXX XXXX XXXX XXXX, and on XXXX they are showing as XXXX XXXX XXXX XXXX
|
| 06/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file.
In XXXX of this year I received an email from XXXX stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for Jefferson Capital, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with XXXX. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). XXXX account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address.
This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX XXXX. I have many more emails that I can forward. I would need an email address though.
|
| 11/04/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
|
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In 2020 I purchased phones from XXXX. We were lied to by a predatory sales agent about XXXX service and bill amount and when we went to address it, the agent had been fired.
XXXX greatly reduced the amount owed on the account and only made us pay the balance of the phones as an apology. ( from XXXX to XXXX ). A few years later the difference showed as a debt to Jefferson Capitol Systems on a credit report.
We contacted XXXX and they said there was a mistake and it would be handled. They said it sometimes happened whenever accounts are paid off. I waited 6 months and it never went away. I was told to contact Jefferson capitol.
They said they could not remove it, that they purchased the debt from XXXX so to them it is a debt.
I attempted to pay it to just be done with it even though I shouldnt have had to and they said it cant be paid because they no longer have it and that they sent the debt to a sister company in ( XXXX ). I was never notified.
When I contacted XXXX they said they did not have it that it was sent back. I was not notified about this either. Only Jefferson Capitol shows on my report.
Neither debt collector has any information nor will allow the debt to be paid. XXXX did not even know the balance owed and didnt have any information they could use to verify who it belonged to.
I have done everything I can short of hiring an attorney and contacting the police. To them this is a non-issue and an everyday practice, to me and my family it is hurting our ability to purchase a home..
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Jefferson Capital System account # XXXX.
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
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 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
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.
|
| 03/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XX/XX//2019, I received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to.
They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.
|
| 05/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against XXXX XXXX XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 11/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
In XX/XX/2022 I was surprised to find out that I was rejected from being able to accept the student loans that I had qualified for in order to send my daughter to college. This was a shock considering I am a single working mother with one job of over 28 years, and no debt at all except for a mortgage. I only have one credit card that I use, and I have no outstanding debt at all except my mortgage. I pay all my credit card statements in full each month, so there is no debt in my name. I asked for a full credit report from XXXX XXXX to find out why I was rejected. I was shocked to find that the report showed a name on my credit report that was not my name ( they have since taken off ). In addition, the report showed a phone number that I don't recognize. I have some credit cards that were issued in my name from XXXX including a debt collection agency ( Jefferson Capital Systems ) that has tried to get {$4200.00} from an unpaid XXXX XXXX account XXXX even though I have never had the credit cards named, nor have I I never had a XXXX XXXX account XXXX I issued an immediate investigation by XXXX XXXX and in XXXX I was told that the report was accurate. I have tried contacting Jefferson Capital Systems and have been unable to even get into their system. I also contacted my family financial advisor and she was unable to give me any names of people or companies that may help. I hope you can help to investigate further how these accounts were issued in my name and remove them from my credit history! Thank you.
|
| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX
I received notification that the balance was {$2400.00}, but XXXX XXXX never would confirm amount of original debt.
Prior to XXXX, I made payments against the debt totaling {$1100.00}.
( XXXX payments of {$250.00} and XXXX payment of {$400.00} ) - I was unable to make payments during the height of COVID.
XXXX XXXX moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, XXXX XXXX reported to my employer that the account was paid in full.
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, XXXX XXXX garnished an additional {$860.00} from my wages, under the same case number for Jefferson Capital XXXX XXXX XXXX and is again reporting the original / full balance as due.
To date I have paid XXXX XXXX {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by XXXX XXXX ).
After speaking with XXXX XXXX XXXX XXXX XXXX, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.
|
| 01/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon applying for a mortgage refinance in XX/XX/2018, I found that a company XXXX XXXX dba XXXX had opened a collection item that was reflecting on both credit /bureaus and negatively impacting my credit score. I called XXXX who told me they could not help me as the account was being handled by their subsidiary XXXX XXXX. I called XXXX XXXX and explained to an agent that I never applied for or received the XXXX 's debit card their company is negatively reporting as a collection item on my credit profile. I was told something to the effect that XXXX XXXX could not access the information on the account but the agent took my information and submitted the negative item as fraud. I also questioned the validity the item since it is reported as a XXXX 's debit card which is a card that draws directly from the applicant 's bank account. A debit card verifies and draws funds upon approval that the funds are present and accessible. The agent did not have any answers. A few days later, I received a letter from XXXX stating that they were not currently handling the negative item. I also received a couple of letters from XXXX XXXX one acknowledging my call/dispute and another requesting all of the same information I submitted to them over the phone. I completed the information and sent it back. I have called twice since for updates, but am repeatedly told there are no updates reflected on the file.
In the interim, I am in the middle of a mortgage refinance and this negative item is driving down my credit score.
|
| 07/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have reviewed my credit file and have been turn down for credit due to Jefferson Capital listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at Jefferson Capital who researched and stated that this item should have been deleted XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX credit card and was given to Jefferson Capital to act as their collection agency. When XXXX gave my information over to Jefferson Capital I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I am a natural person, I am a living human being I have rights under 15 U.S.C 1681 Section 602 A.
15 U.S.C 1681 Section 602 A. States I have a right to privacy.
15 U.S.C 1692 B ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe the information is inaccurate
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| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX I became aware of a fraudulent, hard credit inquiry for XXXX XXXX on my XXXX credit report from XX/XX/XXXX. I placed a fraud alert and credit freeze at all three credit reporting agencies XXXX, XXXX and XXXX. on XX/XX/XXXX. I called XXXX XXXX at their phone number XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of this fraudulent activity and on each occasion was informed that no account had been approved or created in my name and that the inquiry would be removed from my credit report. I also informed them of the fraud by email at XXXX on XX/XX/XXXX but received no response. I requested information from them in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX on XX/XX/XXXX and from XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX but received no response from either. On XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX for {$1800.00} for XXXX XXXX Account # XXXX. I never received any billing or correspondence from XXXX XXXX regarding this account, where this transaction took place or what it involved despite requesting it as described. I tried to submit a fraud claim directly to XXXX XXXX electronically several times but I am always denied the final submittal despite supplying all requested information. I submitted an identity theft police report to the XXXX Police Department on XX/XX/XXXX after receiving the collection notice and getting nowhere with XXXX XXXX. I will attach the police report and letters sent to XXXX XXXX if possible.
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| 10/18/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I received a notification of a Collection Account on my credit report by Jefferson Capital Systems , LLC for {$340.00} this year from XXXX XXXX. I have not had a XXXX XXXX account for years, however as soon as I received that notification, I contacted the CEO 's office at XXXX XXXX. I told them that I did not owe this amount, that it consisted of charges that I never agreed to and that I had repeatedly told them that it was incorrect. The person I spoke with at the CEO 's office said 'Just a minute, I think I have a copy of your contract ' and then she got back on the phone and stated that there was no contract proving that I owed this amount. Therefore, I disputed this with the three Credit Reporting Bureaus ( XXXX, XXXX and XXXX ) online and I stated that these were Fraudulent Charges and that I wanted to see a Signed Contract and for the Debt to be Validated and Verified, and that if that could not be done that it should be removed from my credit report immediately. All that happened is that I heard back from the Credit Bureaus, online, with nothing in writing and nothing by mail, that Jefferson Capital had responded that the information was correct. I want to see a Signed Contract, and I want the Debt to be Verified and Validated, or for this collection account to be removed from my credit report with all three Credit Bureaus. I am XXXX years old and my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is exacerbating my XXXX and is harassment.
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| 09/10/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XX/XX/XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to Jefferson Capital Systems which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to Jefferson Capital. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
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| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this.
I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information.
I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
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| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Jefferson Capital Systems and XXXXXXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.
Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.
I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.
I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement.
Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
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| 09/13/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had requested from XXXX XXXX to provide me with legal validation on the alleged claim that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX. I made this request in writing sent via certified mail return receipt to XXXX XXXX after discovering them on my credit report to this date I have received no response from the company and have never received a bill or statement my discovery of this company was on my credit report. XXXX states they have verified the debt I had request from XXXX the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed the account to which I have no account number for only a dollar amount of XXXX opened XX/XX/2018 with all three of the CRA XXXX and XXXX have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX credit file.
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| 12/18/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have contacted for proper validation of debt from XXXX XXXX XXXX and this is a final attempt through here.
Account # : Unknown Amount : {$890.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with XXXX XXXX XXXX and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you.
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.
Thank you.
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| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these opprobrious incompetent XXXX at XXXX are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX part of OPM 's breach and free monitoringof my credit reports!!! WHY are these clowns at XXXX blundering away with phony fraudulent claims of collections?! # I never received any mail from derelicts at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about google tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX clowns state settled in my credit report and yet still continue with these XXXX scandalous collections
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| 11/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now stressed, bothered, and XXXX. I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.
List fraudulent inquiry accounts : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise.
Sincerely XXXX XXXX
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| 12/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I would like complain about a debt collection.On XX/XX/XXXX I submitted a disputed certified letter to XXXX, XXXX and XXXX requesting a investigation on a collection from XXXX XXXX that allegd that I owe them {$1200.00}. XX/XX/XXXX I received a letter stating that the investigation was completed and verify. on XX/XX/XXXX I sent another letter to all XXXX credit bureaus asking for verification on the reinvestigation neither company replied. XX/XX/XXXX I sent another letter to all XXXX credit bureaus letting them know that they failed to verify items that I disputed. On occasion XXXX capital will be remove from my report and days later put back on my report as new debt this has been going on for XXXX XXXX years I would like this to be removed from my credit report forever.This is violating infringements and injury to my creditabilty.
Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
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| 12/28/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
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| 08/14/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
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| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof.
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
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| 04/20/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been fighting identity theft since the day I turned 18 years of age, and it's almost a nightmare that never stops recurring. Since I was 18 years old I have had all three credit companies flag me for identity theft due to being a victim. I can not file income taxes online because I have to get an IP pin addressed to me every year that goes straight to the IRS headquarters in Texas. XXXX XXXX XXXX has recently placed two collections against me and on my credit report, one of which being for XXXX XXXX in the amount of XXXX $ and the other being XXXX XXXX in the amount of XXXX . Neither of these accounts belong to me nor have they ever been mine, I have been a XXXX XXXX subscriber since I was 18 years of age and have had the same phone number since I was 18 years of age, with no late or past due payments to this very date in time. I'm requesting complete removal and deletion for these two listed accounts as they are both fraud.
My step-mother has been placed in jail on three different occasions for using my identity before finally getting a credit freeze placed on my account along with the IRS freezing my social and requiring a paper w2 to be mailed in leading to further my struggle in life because I have yet to receive one stimulus check because my identity can not be verified. This is absurd.
Thank you for your understanding, this is a very hard day and age we live in. I didn't know being a victim of identity theft would haunt me for what seems like forever.
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| 06/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I contacted Jefferson Capital about the {$640.00} on my credit report showing as delinquent for a XXXX mobile account, and advised them that I have never had an acct with XXXX and my identity has been previously compromised. I filed a dispute with XXXX in XXXX regarding this same account and recently again with XXXX on XX/XX/XXXX, and awaiting response. I have had to freeze my credit with the XXXX breach, and with XXXX XXXX and XXXX notifications that my info ( SS ) has been compromised on the dark web. My credit report shows addresses in Louisiana to which I have never lived outside of Texas. I called Jefferson Capital the collection agency, on XXXX XXXX, to discuss/dispute the validity of the {$640.00} XXXX mobile account and and they did not even have my correct information ( name, address, social security, phone number ). I asked the person ( XXXX ), to mail me any documentation showing I opened an account or signed anything and he said they did not do that, and I stated I am not the owner of this account and never have been ( these calls should be recorded in its entirety ). How is it possible to validate putting this on someone's credit report without having their personal information, given this was the 1st phone call with me on XX/XX/XXXX. I have been a customer of XXXX for over 10 years, it states this XXXX mobile account was opened in XX/XX/XXXX. This is not my account nor has it ever been. I'm just looking for any assistance possible, in order to move on.
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| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/ Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Jefferson Capital Systems LLC and XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.
Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.
I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.
I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement.
Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
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| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I submitted an online on XX/XX/XXXX through XXXX XXXX, to dispute and remove information from the creditor Jeff Cap Sys ( XXXX XXXX XXXX ), as this particular creditor has violated my rights and has been renewing and re-shuffling the negative item which is more than 10 years old on my credit report.
On XX/XX/XXXX I received a notification from XXXX XXXX, that the creditor denied my request to remove the item from my report and I saw that the creditor UPDATED the date on the report to reflect this YEAR! The report was showing a date of opening in XXXX before the dispute, and now after the dispute it shows a date of XXXX! I don't have XXXX XXXX as a carrier, I've had XXXX XXXX XXXX for many years and I've been given discounts and recognition for being a matured customer with the company. From the attached credit report that was retrieved in XXXX, anyone can see that they reported this account being closed and opened in XXXX ; however looking at the result from XXXX XXXX it now shows an open date of XXXX! I'm so FED up with these types of creditors and sneaky collections agencies.
I've submitted disputes more than once and for over 7-years it has remained on my credit report. I've lost potential employment due to this negative item upon my report in the past and PRESENT. In this time that we are in it's not warranted. I also have NOT been a customer of the creditor for many years now ; in addition, the information and amounts have been inflated and are inaccurate.
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| 08/07/2018 |
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
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX is reporting on my credit reports that I owe them {$210.00} for an old bill from XXXX. The issue is that they refuse to verify that this account is mine / valid ALSO multiple collection agencies purchased this account and have put it on the credit reports of multiple people ( roommates ) who lived in the household ( four ). AND I've had another cell phone account for the last 15 years never had XXXX so?? Isn't it against the law for a collection agency to try to collect the same amount of money from multiple people and not provide any valid information showing the person who the account originally belongs to.
I personally disputed this information with the credit agencies because I needed to see exactly who it belonged to since it's being reported on different household member 's report. They reported it as valid so I sent a letter asking how they validated it to provide information so that I can see who the account belonged to and so far they continue to refuse.
This has been on my report for 3 years and has ruined my credit making the apr go up for any loans i've tried to apply for and in some cases keeping me from getting loans.
I don't understand how a company will not show proof what the collection is and whom it belongs can continue to report this as valid.
I'm currently considering my next moves but have reported it to multiple agencies and will send an email to the FTC and my local govt agency to report their unfair collection practices
|
| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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In late XX/XX/XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to XXXX. We began using XXXX XXXX XXXX in XX/XX/XXXX.
XXXX XXXX CONTACT INFO JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them.
We were clients of XXXX in XX/XX/XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. InXX/XX/XXXX they turned the account over to collections agency, Jefferson Capital.
XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to Jefferson Capital System.
Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}.
There are two issues.
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ).
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I sent XXXX XXXX XXXX a debt validation request asking for complete documentation to verify that I owed the alleged debt and had a legal obligation to pay. Their response was a few pages of billing statements that contained no identifying information. My name, address, phone number, banking information, etc. was not listed on any of the documents. Furthermore, they failed to provide me with the agreement with the creditor that they are authorized to collect the alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement, proof that the Statute of Limitations has not expired, proof that they are authorized to collect the alleged debt in my state, along with license numbers and Registered Agent. These are all things I am entitled to in conformance with my rights under the Fair Debt Collection Practices Act.
I provided XXXX XXXX XXXX 30 days from receipt of the debt validation request to provide me with the requested information.The validation request very clearly states that non-compliance with my request would be construed as an absolute waiver of all claims to enforce the alleged debt against me and all instances related to this account must be immediately deleted and completely removed from my credit file.
The original creditor in this matter is XXXX, which apparently is a phone company. I've provided documents from my phone provider, XXXX, with whom I've been a customer for several years.
|
| 01/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Servicemember |
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I purchased a XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX XXXX in XXXX Virginia. The vehicle was financed by XXXX XXXX XXXX XXXX XXXX, ( XXXX ). In XXXX of XXXX XXXX went out of business. It is my understanding that the loan was transferred to XXXX XXXX XXXX XXXX ( XXXX ). All of my information with XXXX was current including my payments. I have attempted to contact XXXX by phone and e-mail with little success. I got no response to my email to XXXX. My phone calls were redirected and then disconnected. I was told that they did not have me in their system.
My title still lists XXXX as the lien holder. My vehicle is listed as repossessed on my credit report. I still have my vehicle. I have not made payments to XXXX because it indicated that I did not have a loan with the company. They have not sent me any information and have not responded to my inquiries.
I am an XXXX XXXX on XXXX XXXX with the United States XXXX and my credit report can impact my job. I wanted a new vehicle and could have traded in my XXXX if I could have cleared the loan. The confusion on the lien holder and the fact that the vehicle was listed as repossessed on my credit report meant that I was stuck with it.
I was also concerned that someone would come and take the XXXX and I would have no way to get to work. I have purchased another vehicle. I could sell the XXXX if I had title or knew who I should pay to pay off the vehicle. Currently my ability to do anything financial is limited.
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| 09/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Removal of collection account - XXXX I am sending this letter in reference to a collection account listed on my consumer credit report. The referenced above account is not my account- I have no knowledge of this account. Furthermore, this account is a result of identity theft. Please review your files and deleted immediately.
As per my consumer credit report the Date THIS COLLECTION WAS Opened- is LISTED AS XX/XX/2023.
As per my consumer credit report the Original Creditor appears to be ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account number : XXXX I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act - I am disputing this fraudulent collection account. I am NOT requesting verication or validation but I am requesting for deletion as this account is a result of identity theft.
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my consumer credit reports. Also, all future attempts to collect this debt must stop.
XXXX XXXX
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2021 I received a notice of debt from " JEFFERSON CAPITAL ''. with this communication they've engaged in the following actions : Violation of 18 U.S. Code 1028 ( a ) ( 7 ) Violation of 15 U.S. Code 1692c ( a ) Violation of 15 U.S. Code 1692c ( a ) ( 1 ) Violation of 15 U.S. Code 1692d Violation of 15 U.S. Code 1692d ( 1 ) Violation of 15 U.S. Code 1692d ( 2 ) Violation of 15 U.S. Code 1692e ( 2 ) ( A ) Violation of 15 U.S. Code 1692e ( 10 ) Violation of 15 U.S. Code 1692b ( 1 ) Violation of 15 U.S. Code 1692b ( 2 ) Violation of 15 U.S. Code 1692b ( 5 ) On 07/22/2021 I sent " JEFFERSON CAPITAL '' an affidavit of truth ( via certified mail ) regarding the " notice of debt '' and how with this notice they have violated federal law, constituted identity theft, and caused and invasion on my personal and consumer privacy. I sent " JEFFERSON CAPITAL '' a consumer demand for civil penalty pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) and pursuant to 15 U.S. Code 1692k ( a ) ( A ) On 07/26/2021 the postal service confirmed " JEFFERSON CAPITAL '' received my communications.
On XX/XX/2021 I spoke with an agent of " JEFFERSON CAPITAL '' ( XXXX XXXX ) and she further confirmed that " JEFFERSON CAPITAL '' had received the affidavit and consumer demand.
" JEFFERSON CAPITAL '' is knowingly and willingly violating federal law and not adhering to their legal obligations. They are running wild and need to be stopped. Many consumers will be harmed if they don't stop.
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| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 06/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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RE : XXXX Dear Jefferson Capital : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023 and identified this alleged debt.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
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| 05/26/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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JEFFERSON CAPITAL SYSTEMS XXXX INC. WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. ALSO STATED : Account/Reference No. : XXXX, SELLER : XXXX XXXX. You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt. I have no tacit agreement nor any privity of contract with you and/or THE ABOVE MENTIONED FIRM. JEFFERSON CAPITAL SYSTEMS , INC. IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE OF ANY CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX INC. 'S CLAIM IS UNSUPPORTED BY AFFIDAVITS AND DEPOSITIONS AND IS INCOMPLETE. THE CLAIM IS HERESAY. JEFFERSON CAPITAL SYSTEMS , INC. ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. FURTHER STATED : JEFFERSON CAPITAL SYSTEMS , INC. IS ATTEMPTING TO FURNISH THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, RESULTING IN DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ]. ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), JEFFERSON CAPITAL SYSTEMS , INC. HAS BEEN SUED NUMEROUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). THERE IS NO PROOF TO THE CONTRARY.
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| 06/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I received letters from Jefferson Capital handling my delinquent account for XXXX XXXX XXXX. They sent me a letter stating I could settle my account with XXXX XXXX with a agreed settlement amount. Before I gave them any payment I asked could they send me a letter to show the agreement before I paid anything. They did, and said when account is paid as agreed they would update the credit agencies as account settled in full XXXX balance. I paid, and they sent me a letter stating account was settled closed as paid in full. I was waiting for this to be updated on my credit report, but it never was. I even tried to file a dispute with the credit agencies myself. Which was a failed attempt. I called Jefferson who told me they just handle the account for XXXX XXXX and they have to update with the credit agencies as the account being paid in full and settled. However, when I contacted XXXX XXXX they said Jefferson was not telling the truth that the account was sold to them, and they no longer have anything to do with this account, so to contact them back I did and Jefferson capital said call them back and tell them this is a special account we handle for them so it was n't one they bought. I kept getting thrown back and forth, and XXXX XXXX still shows on my credit as a charged off account, and Jefferson Capital basically ripped me off of money that they lied about handling this account so I could get my credit report updated to show what I agreed to.
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| 09/02/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX of this year aka yesterday, a civil servant came to my door bearing a summons to court for XX/XX/XXXX of this year. I saw no badge or uniform on this person and called to see if the court date was legitimate.
It is.
My sister acting in my stead with my permission and me being in the same room as I was in a bad mental place called to speak with the attorney 's office and was told to take out a loan. I, after getting a handle on myself, recalled the office trying to set up a payment plan. This will be difficult to do but I do not want to go to court. I was refused and told to get a loan or take my chances in court.
I have neither the credit or collateral to do so.
Today, XX/XX/XXXX, I called in order to have the office send m a copy of the debt validation letter which I do not have a copy of. XXXX XXXX, the person I have spoken to, would not listen to what I asked for specifically instead saying they would put in an order for the company to send me a secondary validation letter.
She was very aggressive and I feel very intimidated trying to put my thoughts together and form answers. I do not like confrontation and I suffer from XXXX.
I am very concerned aboout all this because I don't have the complete account number on either the court summons and I don't have a validation letter warning me about legal action. The only thing I have in my possession is this court summons. I don't even know how much the original debt was for.
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| 09/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXX XXXX XXXX XXXX XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
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| 10/08/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding Jefferson Capital Finance I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. I have called on XX/XX/XXXX to XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. I have received written response form XXXX and XXXX. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different ACCOUNT numbers. Jefferson Finance has not responded to any request for validation information. Again seeking information such as signatures of loan, bank account info, addresses, payment history. Not just a letter stating accurate without showing proof of an account.
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| 06/18/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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JEFFERSON CAPITAL SYSTEMS LLC. licensed out of Minnesota with a phone number of XXXX ( XXXX ) XXXX ; - continuosly violates CFR 31 1.32 after i have repeatedly explained the regulation ; - refuses to provide proof of claim ; - refuses to accept my tender of payment ; and- refuses to close and settle the account.
Note : All over the phone -- all calls are recorded by both parties.
I would like to send written notice but they refuse to provide the account details so that i might notate the account for settlement and closure.
Account Details to the best of my present knowledge : name : XXXX XXXX DOB : XX/XX/1992 Adress : XXXX XXXX XXXX XXXX, Colorado XXXX In-short ; they sure seem to be demanding a lot but cant provide anything in return.
Finally, it would appear that this debt collector, as per the XXXX profile associated with my person, has in-fact purchased this debt. Therfore i am no longer party to this contract.
[ *NOTICE* You, JEFFERSON CAPITAL SYSTEMS LLC. , have 30 days from the date of this complaint to either ; 1 ) Provide lawful Proof of Claim to my address as you have on file via certified mail ; and/or 2 ) Pay to and for the account of The United States as per 12 USC 95a ( 2 ) and/or 50 USC 4305b ( 2 ) as the obligations rest within 18 USC 8 ; else you agree to settle and close the account in full within the above alotted 30 days.
w/o respect, XXXX XXXX XXXX ( signed ) XXXX ( sealed ) w/o recourse ( delivered ) ]
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| 12/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am filing a complaint against Jefferson Capital Systems LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus.
Their reference numbers are redacted as below : XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. Jefferson Capital Systems LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. This is a violation of multiple fair debt practices laws.
Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation.
I demand Jefferson Capital Systems LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts.
Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary.
Sincerely, XXXX XXXX
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| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.
According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.
XXXX. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.
XXXX. Do not sell or transfer this debt to any other third party.
XXXX. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.
Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.
I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.
Your immediate attention to this matter is expected and appreciated.
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| 05/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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JEFFERSON CAPITAL SYSTEM has not validated the debt and the debt does not belong to me. JEFFERSON CAPITAL SYSTEM is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; JEFFERSON CAPITAL SYSTEM please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report or I will pursue legal action. JEFFERSON CAPITAL SYSTEM has not validated the debt and the debt does not belong to me.
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| 03/01/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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This is in reference to XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX a Debt Collector who sent Payment Rewards Program offer for credit card but did not provide Debt Validation notice. Also no indication if this payment rewards program reset the clock on a charge off debt.
On the back of the offer it indicates that the Program has a satisfaction guarantee. " If you begin the Program by making your first timely payments and subsequently decide that you do not want to continue the Program, you may end your participation and receive a full refund of all payments that you have made towards the Program Balance '' However under that same " Program Satisfaction Guarantee '' ( XXXX ) XXXX XXXX reserves the right to collect the Program Balance and you will responsible for making payments on the Program Balance.
Would n't the consumer need notification that the payments start the clock over on charge off debt?
On the from of the offer " Details on the XXXX credit card, including applicable rates, fees and terms for new purchases and cash advances, are available upon request and will be sent to you after you have successfully completed your payments. '' The consumer is required to fill out information on the bottom of the page, including what appears to be a waiver " I further agree that no such electronic communications will be deemed unsolicited. '' Is this not an offer without the consumer be informed of all the terms of the offer?
XXXX
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| 09/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to Jefferson Capital. Jefferson Capital accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a 60 day period in which Jefferson Capital agreed. I called Jefferson Capital, LLC back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from XXXX ( XXXX collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, Jefferson Capital, LLC. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.
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| 05/08/2023 |
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
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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requested to have this information removed several times after it was paid and contacted the company which the number listed with them was not going through and the original company had no knowledge if being sent to collections - as I was current and paid.
I have disputed this to be removed and all would get back is it has been verified and updated. by XXXX several times.
{$230.00} XX/XX/XXXX open date - XXXX XX/XX/XXXX Last reported. - XXXX I requested to have information verified and to send all the information requested from the date the account opened to current in which I wanted to know how this account accumulated to this amount and I needed the Original Signed contract and still did not get any information and this information is on my credit reports did not match at all.
I have Disputed these below several Times which again I get the Has been verified and updated with no proof.
{$740.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - open date XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - open date XXXX XXXX last active XXXX {$2500.00} XXXX open date XXXX XXXX Last active XXXX {$1500.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - Last active XXXX I asked to have information verified and then the companies XXXX, XXXX XXXX XXXX would respond Verified and Updated but I have no documents as proof.
{$2000.00} XX/XX/XXXX - Open date XXXX XX/XX/XXXX - Open Date XXXX XX/XX/XXXX - Open Date XXXX
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| 10/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I disputed a collection with XXXX regarding XXXX XXXX that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$380.00}. I contacted XXXX and they do not have a record of this under my name, I have not had XXXX service since XXXX. If this debt was valid which I believe to be untrue, the SOL would have expired in my State of Michigan. I have never received any communication from this creditor, it simply appeared on my credit report which they should have validated the debt with me. I wrote to them and asked them to remove this from my credit reports immediately and provide proof of said services. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and request of validation. I reached out to them also by email this week, I have proof of delivery and again received no response. If this was on one of their own credit reports, they would react in a timelier matter.
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| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.
According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.
2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.
3. Do not sell or transfer this debt to any other third party.
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.
Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.
I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.
Your immediate attention to this matter is expected and appreciated.
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| 06/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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I called in regards to a debt. I received two letters and a filing from the court. I have never spoke to anyone from this company or received any other information from them.
When speaking to XXXX he told me I had two debts with him and asked me what I could pay hm today to resolve the debt. I told him I had {$100.00} today and he said that wouldn't be enough to take care of the two debts. He could give me only {$120.00} for the one. I asked about the third debt I had. He told me it was in another department and he could transfer me after I paid these two. I told him I wanted to know all I owed to them He said he couldn't tell me that but unless I paid him today he wouldn't give me the other offer again. I said I needed the whole amount and that's when he started basically yelling at me that he needed my payment before he could do anything and talking over me and telling me there's nothing he can do for me if I didn't pay him now. I told him Idid n't appreciate the way he was talking to me and he continued to be rude and ignoring what I was telling him. All he was concerned about me paying him today. He didn't ever once offer me the payment options that are in the letter they sent me either. He only wanted me to pay the both today. I spoke to the legal dept and made arrangements with them on the larger amount but I had to get a manager on the phone to transfer me to them. He would only give me the number to call myself.
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| 08/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...
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| 11/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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XXXX XXXX XXXX incorrectly billed me for cell phone services and refused to correct the bill in XX/XX/XXXX.
I refused to pay the ridiculous sum and they would not correct it because the account was already in collections because I was out of the country. In XX/XX/XXXX They then made the first attempts to collect the debt in XX/XX/XXXX and later sold the debt to debt collection agencies.
The debt collection agency XXXX XXXX XXXX has RE-AGED the debt to show that it originated on XX/XX/XXXX nearly 4 years after the original date of collection.
This is a bold violation of the F.C.R.A, similar companies have been fined {>= $1,000,000} for such violations.
XXXX XXXX XXXX I have made every attempt to correct the debt with XXXX XXXX as well as the collection agencies that have held the debt they have expressly refused for 6 years!!
Sense they have been unable to collect on the illegitimate debt they have decided to illegally re-age the debt in hopes of either passing it off to another agency, reporting it on their balance sheet or just maliciously harming my credit.
I have disputed the debt on my credit report multiple times over a 6 year period, as well as notified the agencies in writing as well as by phone.
The violation of my rights by these corporate thugs will no longer be ignored. I intend to exercise my rights to the fullest extent of the law.
This is beyond disrespectful and is IN FACT CRIMINAL.
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| 08/18/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Approx XXXX I had an account with XXXX XXXX, which ended when the cell company refused to show me reasoning for the amount claimed owed approx. {$750.00}. I specifically ask for dates, reasoning for the extra charges, why we were being charged the extra fee 's, who authorized any additional plans, etc ... XXXX responded back stating the account had been turned over to a collections agency. We immediately contacted the collections agency requesting the same intel as with XXXX. The collector replied stating they were unable obtain the intel we were requesting, but demanding to be paid. So we refused to pay the amount of the debt we simply did NOT owe, but simply offered to pay what they could prove we owed ... I admit we owe them money, but only XXXX of what they claimed. Now, 5 years later, we have a different collector requesting to be paid, but each time, with each collector, the amount keeps growing ... Now, the bill has grown to {$1000.00} but offering if we pay in full, they 'll reduce it to {$530.00} and show on our credit report " AGAIN '' as a debt write-off ... Which I 'm sure they will sell that amount to a different collector ... How can our XXXX allow for the credit companies to keep selling and re-selling, and re-selling, and keep re-selling a debt and keep putting it on your credit report without having to show how or why you owe the amount claimed ...? Any help is greatly appreciated ... Many thanks,
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| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This debt specifically ( and others ) have been racked up by my mother used without my consent. I have paid off prior debts to prior debt collection agencies to remove the damage she caused ( almost XXXX $ ) just to find out that I have an old debt from 6 years ago that I knew nothing about till recently in my name for almost XXXX XXXX I have been living with my fiance for the last 8 years or so. I would like to have this resolved as soon as possible because i am now being garnished 25 % of my check that I should not be garnished for. I have contacted the debt collection agency responsible for the garnishment and told them that they have they purchased my account illegally ( not of my acknowledgement or willingness because I did not know that it existed ) and told them that the account was fraudulent as well because I did not open it. They said it didn't matter. They had it in their possession for years and it needed to be taken care of. They did not send me a letter stating that I was going to be taken to court. Nor the garnishment. but I received a letter of AFTER the court date was settled and I was told I neglected to show up to a court date I did not know I had. I would like this resolved and the garnishment not be taken from me but from my mother who is responsible for the fraudulent account to be opened in my name. if you can get back with me as soon as possible that would be greatly appreciated. Thank you
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| 07/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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According to my credit report, I have an account with JEFFERSON CAPITAL SYSTEMS XXXX. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$980.00} that I somehow owe to JEFFERSON CAPITAL SYSTEMS even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
I do not, nor have I ever held an account with JEFFERSON CAPITAL SYSTEMS. I have never signed any kind of physical agreement to pay this amount to JEFFERSON CAPITAL SYSTEMS, nor has the debt been verified on my credit report.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.
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| 10/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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In XX/XX/2014, XXXX claims that I called them and accepted financial responsibility for a specific phone line, the person who placed the call had personal information about me. XXXX began sending bills to an old address of mine. Not one single call was ever placed from the billed phone line. The account went into collections in XXXX of 2014, with the collections appearing on my credit report. Numerous calls to XXXX denying that I made that acceptance call with a request for proof of a contract with my signature on it or the phone number that the call was placed from ( surely XXXX has caller ID and is aware of who made the acceptance call ) went unanswered. XXXX 's fraud department has repeatedly insisted that it was me that made the call, although they refuse to disclose the phone number it was placed from, or the fact that an old address was given that I could prove with a change of address form from the US Postal Service, or to provide me with proof of the phone call ( all calls are recorded for legal reasons ). XXXX continues to harass me with this collection, erroneously extending the date of first collection, affecting my credit score and numerous financial transactions. I will NOT pay a debt to XXXX that I don't owe, and I'm sure if this has happened to me, it's happened to others, but I'm not in a position to hire an attorney to resolve this issue and XXXX, so far, has refused to discuss the issue with me.
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| 02/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/XXXX, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/XXXX of all the emails I sent to fingerhut informing about the address and trying to get them to do something.
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| 12/14/2018 |
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
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX {$280.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor ( XXXX XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; account was settled by my Insurance carrier with original creditors.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
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| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
Servicemember |
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I recently sent a certified letter to Jefferson Capital asking for validation of what appears to be 2 separate accounts listed on my credit profile. I asked them to provide me the following information in which that failed to do so. Please see what was requested in writing by them below- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
With that being said, I have yet to receive any of the following instead I started receiving harassing phone calls saying they are a Law Firm and it is an attempt to collect a debt. A gentleman in which I could not even make out due to his accent appeared to be of XXXX decent. I tried communicating with him and asked that he only communicate with me via US Mail.
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| 08/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The company XXXX XXXX XXXX contacted me regarding a debt I was not aware of. I advised the representative I need a validation of debt and wanted to debt the debt. The representative advised me I could not dispute the debt until after I received my validation of debt. I informed the representative this was not true and I had the right the dispute the debt as well as request a validation. The representative continue to argue with me and cut me off then eventually hung up the phone after asking for a manager. He advised me no manager was available and the call dropped. I called back to speak to manager XXXX XXXX, I asked him to listen the call since he seemed to not believe his representative told me false information. I asked him to listen to the call and call me back or I can call him back so we can resolve the situation. He told me it was none of my concern and refused to set a follow up to discuss the call. The manager told me he went ahead and put the account in dispute. I informed the manager if I didnt know my rights I wouldve thought the only way I can dispute the account is after I received my validation. He did not seem concerned about my situation. I asked him for information on upper management and Human Resources to submit a complaint, initially he refused but after pressing a while he eventually gave me a general number for the company. The representative also did not provide the mini-Miranda.
|
| 01/19/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case.
After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .
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| 12/24/2020 |
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
- Their investigation did not fix an error on your report
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Web |
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Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
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| 05/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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As I was monitoring my credit, I simply saw an account pop up from a supposed debt collection agency called XXXX XXXX XXXX. It is a small amount ( {$140.00} ) and I had no idea where it was from or what it was for. They blatantly violated my rights as a consumer and a citizen in that I was never notified of the alleged debt in writing. Furthermore, this exact alleged account was removed from my credit report prior, as it is a totally false, and inaccurate bogus bill from an original utility company ( ( XXXX XXXX ). I was a long standing customer of theirs and NEVER even had a late payment. My credit report shows 100 % on time payment history for every bill Ive ever had. I am no going to have to strongly dispute this negative remark on my XXXX and XXXX credit reports. Lastly, this debt was never verified and I am directly filing a complaint against XXXX XXXX XXXX. I do not even know who they are, as I have NEVER received correspondence from them prior. I did contact them directly once when I saw their name pop up on my credit report. I demanded that they remove this unverified amount from my credit report immediately, stating that they never gave me the 30 day legal time frame to dispute any debt. This was to no avail and they proceeded to threaten me. I am asking for the help of the CFPB to discipline and deal with their corrupt business practices. I am well versed in this area of law and know my rights
|
| 07/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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Debt collectors are not supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so.
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.
First thing, You do not have any lawful right to be in possession of my identifying information.
Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).
Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.
Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.
Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 usc 894 and carries a criminal penalty of 20 years.
The last thing Jefferson Capital System needs to understand this is also aggravated identity theft 18 USC 1028A I'm requesting for this alleged debt entry to be removed and deleted ASAP from all three reporting CRAs.
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| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.
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| 12/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with JEFFERSON CAPITAL SYST. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from both XXXX and XXXX showing the aforementioned as reporting this information with a " balance '' of : {$1300.00}. I am asking JEFFERSON CAPITAL SYST to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand JEFFERSON CAPITAL SYST to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character.
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This morning on XX/XX/2020 I received an update on my credit report of a new derogatory remark from a company Jefferson Capital Systems LLC whom I have never heard of. They had opened an account on XX/XX/XXXX without my knowledge stating they had bought debt from XXXX XXXX in my name to the tune of {$100.00}. I have never been contacted via mail, phone, or email by Jefferson Capital Systems LLC to make me aware that I in fact owed them any amount of money. Instead they put my account in to collections putting a negative remark on my credit report, and driving down my credit score.
If I am correct, this goes against the Fair Debt Collection practices act subsection 808, as well as subsection 809 showing that they have to make contact with me about debt owed to them. I have contacted Jefferson Capital Systems LLC today XX/XX/2020 to speak to them about why my account with them is in collections on my credit report. They repeatedly said that what they did is within their company guidelines, and completely ignored what I had to say when I brought up the Federal Fair Debt Collection Practices Act.
I don't see any way that shows what they did as being legal, how was I supposed to know I owed Jefferson Capital Systems LLC money if they never contacted me saying so? What they said is that if I pay the debt, the remark will be removed, however I truly believe what they did is technically against the law.
|
| 02/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Dear Whom May Concern, My name is XXXX XXXX XXXX I had a XXXX account when I turned XXXX years old back in XX/XX/XXXX I open the account in XXXX. My phone broke XXXX XXXX refused to fix it or help me so I decided to break the contract and pay the early termination fees in XX/XX/XXXX. The guy in the XXXX XXXX XXXX store said I was good to go. This was not the case because I received my first collection notice from XXXX XX/XX/XXXX and I been disputing the collections activity from XXXX for years and I 'm tired of them hurting my credit for they claim I still have a {$980.00} balance which I feel is wrong.
The reason why I 'm disputing this debt because XXXX XXXX sold the account to Jefferson Capital Systems back in XX/XX/XXXX I never received anything from this " debt buyer ''. I also contacted an attorney to see about statue of limitations of debt and she shared with me the California law says, '' California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. " This account is more than 4 years past due and also XXXX XXXX reports on the credit report that is a new account which is not they have lied to the credit reports including XXXX, XXXX and XXXX.
|
| 09/24/2019 |
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
- Their investigation did not fix an error on your report
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Web |
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Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this?
Also, I dont see any correct dates for this account on my report.
I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.
|
| 03/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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I had an auto loan a very ling time ago with XXXX XXXX XXXX. The loan went into default & was charged off. It remained on my credit report for 7 years & was then deleted. There was never a collection agency that picked this debt up. Just recently on XX/XX/21, this shows up on my credit report as delinquent & in collections by XXXX XXXX XXXX. I had never heard from these fokks before. I called them & they explained they purchased the debt from XXXX. I advised this was charged off & was already deleted from credit report. They refuse to delete & threatened legal action. I then contacted XXXX. They confirmed they never sold this account to this company. I looked up reviews for XXXX XXXX & I see where they have done this to several others. They dig up old accounts & try to collect on them. They have reported to all 3 credit bureuas and my scores have dropped tremendously. I do not understand how a debt that was deleted from my credit report because it had already been on there 7 years can be added back. Also, I have never ever heard from these people. Seems like a company scheming to get money. I can search for my old credit reports that show the original account. This company needs to show where they purchased this account, show proof they communicated with me, & also show proof of the original creditor. They will not have this info. I need this item rwmoved from my credit report immediately!
|
| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I paid a charged off account that I had with XXXX in the amount of {$740.00}. The first payment was made XX/XX/XXXX in the amount of {$50.00} and the second was made on XX/XX/XXXX in the amount of {$690.00}.
Towards the end of XXXX I received a notice that a new collections account was reported on my credit reports from Jefferson Capital. Jefferson Capital shows that I owe {$740.00}, since apparently they purchased the account from XXXX. This is not accurate as I paid XXXX in XXXX.
XXXX sent me an email after an inquiry from me telling me that they would forward the payment in XXXX. I contacted them today, XX/XX/XXXX, and now XXXX is telling me that the payments are pending ( which is not true as I have proof that they posted from my bank accounts ). Makes no sense to be pending since they were made over a month ago. They say somehow Jefferson Capital should have access to that ( which makes no sense since I paid it on XXXX 's website ). Jefferson Capital says they should have received the payments since they were paid so long ago.
I don't know who is in the right and in the wrong but I know that my account has been paid and it's now being reported incorrectly on my credit report as a new Jefferson Capital collections account with a balance even though it was paid before Jefferson ever showed up on my credit report. This is not accurate and needs to be resolved by both companies.
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX, XXXX collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX energy debt, and the garnishment from my bank account satisfied this debt.
However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20.
As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment.
I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release.
I would like action taken against XXXX XXXX XXXX XXXX, XXXX for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. XXXX XXXX XXXX XXXX should be held to account for this egregious error.
|
| 10/30/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations!
Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI Secretary of State that they are registered in Louisiana which is also against the FDCPA!
I request that Jefferson Capitol verify the following information.
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.
Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
|
| 04/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations!
Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!
I request that Jefferson Capitol verify the following information.
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.
Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
|
| 09/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
I'm not sure if this is the correct agency to report my grievance. I've received XXXX notices of debt collection. The lender was XXXX XXXX and they sent it to Jefferson Capital Systems LLC. for collection. I have submitted an ID theft report to XXXX. I had to file and pick a police report as well. Today when I updated my ID thieft report through XXXX. I received an automated response. ( I also have a credit lock in place ) Here is part of what was sent to me : How to XXXX.
Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select XXXX as your payment method. Youll need to provide some basic information like your mobile number and the last XXXX digits of your social security number to apply. If youre approved, finish checking out and youre done. XXXX simple steps to experience XXXX 's XXXX!
XXXX and your Credit.
XXXX commits to a refreshingly surprise-free, clear handling of your credit! Here is what you can expect when you apply : Verify your identity and determine your eligibility with a soft credit inquiry ; a soft credit inquiry does NOT affect your credit score!
US-Customers : NO hard inquiry, at any time, for any loan!
CAD-Customers : Yes hard inquiries are done for all loans.
No it's up to me to spend my time to prove this was not my transactions. Thankfully, it has not posted to my credit report yet.
|
| 11/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by Jefferson Capital Systems for a vehicle that was repossessed in 2020. The trade line is demanding I pay {$11000.00} owed to XXXX XXXX XXXX.
Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$2000.00} as payment in full since the car was sold shortly after being repossessed ( XXXX check shows it has a new owner ). I saved up money, so if you could accept {$2000.00}, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer.
If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$2000.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
|
| 09/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is JEFFERSON CAPITAL SYSTEMS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, JEFFERSON CAPITAL SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JEFFERSON CAPITAL SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationJEFFERSON CAPITAL SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where JEFFERSON CAPITAL SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.JEFFERSON CAPITAL SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 06/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to JEFFERY CAPITAL SYSTEMS LLC. I never got an response from them. I never received a notice from this company. I just saw that they were reporting on my report.
Per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of XXXX. JEFFERY CAPITAL SYSTEMS LLC you are committing security fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF XXXX.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not including any report containing information solely as transactions or experiences between the consumer and the person making the report
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted Jefferson Capital Systems concerning a collection on my credit report about a bill from XXXX, I was told the debt was in default in XXXX of XXXX, I asked for verification of the debt in writing and the operator stated that it was already sent out. I stated I had not received it and that I needed verification and a proof of date, he stated that he already told me when the debt started and refused to give me anything in writing. I filed a dispute with XXXX that afternoon and the next morning was told the debt was verified and it began in XXXX of XXXX. I contacted XXXX and explained I had not done business with XXXX since XXXX of XXXX and that I wanted to know what verification they turned in because it would be fraudulent, I was told there was no formal verification just Jefferson stating that I owed the debt. I question how that was verification when anyone could state I owed a debt, I also explained Jefferson 's refusal to verify the debt to me. I was then advised to file a complaint CFPB and was told they would reopen the investigation and inquire about the validity of the information provided to them. Jefferson still has not verified the debt to me or in my opinion formally to XXXX only verbally stating that the dates were accurate, despite giving two different dates of XX/XX/XXXX to myself and XXXX of XXXX to XXXX there by adding two more years to the debt.
|
| 04/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother XXXX XXXX due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother XXXX XXXX due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
|
| 02/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting.
I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt.
This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points.
This company is attempting to completely ruin my life and my credit and they have no right to do so.
I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus.
This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time.
It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening.
|
| 12/30/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please see below that XXXX XXXX is stating that I opened an account on XX/XX/2019. I have never had an account with this company and I have had my information stolen and compromised in the past on the XXXX XXXX and had my wallet also stolen in the past with credit cards and my id. I do not owe this {$620.00}, it is not my bill. This account is not mine, and my name has been misspelled many times on my credit report. I know how to spell my own name and I have never, ever used a different spelling of my name when obtaining any service or credit. Neither of these company 's will respond to my messages to remove this off of my account. I have disputed this many times to get nothing done. This company can not hold me to this bill when this is not mine. This needs to be removed from my Credit Report. I am also contacting the XXXX and the State of Florida Attorney Generals Office. This bill will not be paid, this is not mine and please remove it from all 3 Credit Reporting Agencies.
Thank you.
ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX DISPUTE REASON : Ownership This is not my account ; it belongs to a relative or person with similar name/address.
CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but did not change your information.
See your current report
|
| 02/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Jefferson Capital Systems the collecter name is XXXX XXXX. He called my wife today and said we were 3 months behind. We set automatic payments with this same person months ago and payments were being taken out monthly. It was set for the XXXX every month XX/XX/XXXX payment was taken out was set for the XXXX. He said we stopped the payments and need to call the bank and said they will take her to court and garnish her pay. We call the bank and we did not stop the payments there company never took payments out. The bank said there was no post from them and we had funds every time. I called back and talked to them. This person messed up the payment arrangements and again messed it up today and put the next auto payment for XX/XX/2022 years from now. He did not leave any notes in the account from his call today so it took another person and a supervisor to fix this issue and to remove is out of the delecincy because of his mess up and he threatened us by saying they were going to take us court and garnish our wages. I got it fixed with the other people he put our account back up to XXXX and we paid XXXX on this account. Becuase he messed it up they corrected it to now XXXX. My wife is XXXX and this almost gave her a XXXX XXXX do to her illness. I want to know what I can do to get this justified for the threat he made and the company completely messing up our account.
|
| 04/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Jefferson Capital Systems , LLC, still insists through XXXX XXXX XXXX XXXX , that I should contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Puerto Rico, on a U.S. Postal Service C ertified Mail Received today, XXXX XXXX , 2017 at our residence, that Monday through Fridays, from XXXX XXXX to XXXX XXXX , I should call them if I have questions, and they want me to pay the whole amount of XXXX dollars XXXX cents, letter received today included, is in XXXX in just one payment? But this account is under a certified payment agreement with the same XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and today I made the fourth payment of this agreemen t at XXXX XXXX XXXX XXXX , in XXXX XXXX XXXX , Puerto Rico, see included receipts. I was unable to contact the lawyers listed by XXXX XXXX XXXX as Jefferson capital Representatives, because not only I saw this letter today after arriving home after XXXX XXXX and I should not wait for this until next Monday, but XXXX XXXX is well aware of this problem, and they should contact Jefferson Capital also, but is not happening. XXXX XXXX has another complaint here about this, number XXXX XXXX , but this one I want to submit against Jefferson Capital and their representatives here in Puerto Rico.
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$1200.00} for XXXX. This is not my debt, I have never opened a account with XXXX for { {$270.00} I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Government Issued ID was used to open this debt. What city and state was this debt opened. This company Jefferson capital systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX let someone have a {$1200.00} phone bill!!! phone bills on average are $ XXXX is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from Jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law.
|
| 02/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020 and I made a phone call to Jefferson Capital systems and I contacted Them in attempts to resolve my past due you debt.I was told that there was an offer for {$420.00} I asked the representative if there was a lower offer and he said yes it is {$300.00} if you pay right now.I said OK fine are you able to email me something stating that this is my settlement offer he stated no I said will how do I know that this is an offer that would resolve my balance he said because I am telling you he then went on to threaten to hang up the phone and not help me I then asked if I could speak to a supervisor and the supervisor than advise me that no yes they can except that but theyre not able to give me any type of correspondence I understand what the companys policy is but as a consumer how do I make a payment when youre telling me that yes I can except this to resolve the debt but I cant give you anything stating that this will resolve the balance but in the past they were able to send me those correspondence so I felt that that practice was deceptive and it was unfair because its not the fact that Ive never received correspondence its the fact that today theyre not able to give me any type of letter stating that this would resolve my account so that makes me feel that they are being deceptive with the statement of allowing me to settle the account for {$300.00}
|
| 05/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/18, I went to a XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, FL. I was there to change my phone plan as they had advertised for months prior they would be covering any carryover costs from another service below {$650.00}. I was transferring from XXXX and realized XXXX would be more cost-effective and wouldn't have service issues in the city.
After switching from the same number and using my phone for a few months, on XX/XX/18 a notice came in the mail from a XXXX XXXX XXXX inquiring about a debt in the amount of {$280.00}. I saw that this was due to a late XXXX bill so I just left it be. Referring to settlements, I was semi-concerned this could be fraud. I've never possessed any debt. I also knew that I was well within the coverage provided by XXXX 's promotion that they had ongoing when I acquired my new phone. I was not at all concerned nor considering the letter legitimate.
Two months ago, I was looking over my credit score and was shown I held a derogatory mark on my credit from XXXX. This is now being referred to collections and there's no trail in which I am the at fault party. I attained audio from a XXXX service representative in which she has claimed that XXXX covered this negligent balance. Obviously she is mistaken ( at my expense ) and rightfully, they are the accountable party if they claim it was covered and it was not.
|
| 04/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for.
I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX.
1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing.
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account?
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints.
XXXX XXXX has violeted my Fair Credit Report Act protection.
|
| 04/08/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The philosophy of XXXX XXXX and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681.
I also disputed the presence of Jefferson Capital Systems being listed on my credit reporting file, I have not received documentation from either XXXX or Jefferson Capital Systems as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file.
I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file.
How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
|
| 04/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company jefferson captial systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law
|
| 10/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
On XX/XX/2019, Jefferson capital Systems, XXXX XXXX XXXX , XXXX XXXX MN XXXX opened accounts in my name and immediately reported these accounts as unpaid debt. This was done on both my XXXX and XXXX credit reports. This debt was removed from my credit twice in the last year and several times over the last few years.
It stemmed from a cell phone that I returned to XXXX during my 14 day trial over 14 years ago. I didn't keep their service as it sucked and returned the phone to them before my 14 day trial was up.
These companies keep adding this old debt to my credit files, the debt is well beyond the 7 years allowed by the Fair Credit Reporting Agency. Neither XXXX or XXXX are verifying the information before they add this back to my credit. It has been REPEATEDLY REMOVED by both of these credit bureaus.
I would like you to investigate Jefferson Capital Systems, as this is an unfair practice.
1 ) It is an illegitimate debt, due to the actions of XXXX XXXX, which I am assuming was the retail agent afraid about losing his commission.
2 ) I was never notified of this debt, I received a credit monitoring action after they already attacked my credit reports.
3 ) It has been removed repeatedly over the last few years. I am to the point I am about to file a class lawsuit on these people.
I am XXXX to XXXX XXXX XXXX as an XXXX XXXX of the XXXX XXXX
|
| 05/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Back in XX/XX/XXXX I was with XXXX XXXX, I called and talked to them to cancel my service, since I was no longer under contract, I paid my last bill. I got a letter in the mail my account was closed this was also in late XX/XX/XXXX, the following month I got a bill from them for the amount of XXXX in a demand letter I refused to pa it, the account was closed and then sold to a different collection company, within 1 yr it was sold to XXXX XXXX XXXX, this was in XX/XX/XXXX, they are saying that it was in XX/XX/XXXXwhich it was not. After I asked to be put on the do not call list the calls stopped, I was getting at least 15 to 20 calls a day. Now this is now XX/XX/XXXX and they refuse to remove it from my credit report, I have informed them that once this account was sold it was no longer my account. They still refuse to remove it from my credit report as a collection debt. And it is hurting my credit score. I have disputed it over 5 times with the 3 major credit reporting agency 's it's still there, Then I contacted the 3 credit agency 's and disputed it yet again. They refuse to remove it from my report 's. Even after I told them they were violation of the Fair credit reporting act. XXXX XXXX XXXX I WHOM I CONTACTED VIA THE DISPUTE ON THE XXXX XXXX SITE. THEY HAVE DENIED MY DISPUTE NOW OVER 5 TIMES. I WANT THIS TAKEN CARE OF ONCE AND FOR ALL. Thank you
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| 10/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Remove/or verify I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
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| 07/26/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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A negative item showed up on my credit report Account # XXXX from Jefferson Capital System alleging I owed them a debt in amount {$2100.00}. On the XXXX of XX/XX/2023, I requested a debt validation letter from Jefferson Capital on a negative item on my credit report. The so-called verification letter I received back from Jefferson Capital Systems lacks content and did not provide the following which I requested : A copy of the agreement authorizing Jefferson capital to collect debt on behalf of the original creditor.
FULL detailed accounting history on the account and the calculations on how they reached the amount owe.
Provide verification on any judgments connected to this account.
Provide your license to collect in my state and your registered agent name with their address.
Proof that the Statue of Limitations has not expired in my state for this account.
Provide the date of the last payment on this account.
Jefferson Capital has violated my rights under 15USC 1692 Sec.809 ( b ). and did not show any lawful authority to collect on the alleged debt claim.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I demand this negative item be roved from my credit report immediately.
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| 04/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ).
Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported.
when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.
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| 09/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law.
I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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There is too much unacquires on my credit report. Fraud from following companies 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a phone call from XXXX XXXX XXXX. XX/XX/XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my noticeXX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX. that the XXXX would notify the creditor XXXX XXXX XXXX XXXX XXXX and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from XXXX stating that I had a balance of {$550.00}. on XX/XX/XXXX I called XXXX and spoke to XXXX XXXX who had advised that my file had not been closed, that XXXX had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at XXXX they would notify XXXX XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX.
Client acct # XXXX XXXX acct # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX Original Account # XXXX
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| 06/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Hello, My name is XXXX XXXX. This debt collector- Jefferson Capital Systems bought my debt collection from XXXX XXXX back in XXXX. I was XXXX XXXX XXXX. Every so often when I check my credit report, I can see that XXXX keeps updating the open date to a more recent date. Ive tried multiple times directly disputing it, and it does not work. This account has been sitting on my collections credit report for XXXX YEARS. XXXX will officially be 10 years. I called and spoke to collections with XXXX XXXX on XXXX, XXXX and they said the account was too old to find any information about the account even after I gave them the phone number my address and my ss #. I just recently spoke to XXXX XXXX collections again in XX/XX/XXXX to see if I could get an actually copy of the date this account was open and they said it was too old and in their eyes acts like it doesnt exist I refuse to call XXXX because I know they will re-open the account and itll stay another 10 years. I just recently started getting countless calls from XXXX attempting to collect a debt. Randomly. Or is it? This account of mine has been opened 10 years ago and was also brought to collections, 9 years ago. This is unfair and seems illegal after speaking with lawyers. The attorney I spoke to told me to file a complaint thru here before we pursue legal action against them, so this is it.
|
| 07/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I also told them that this was " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017
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| 05/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am a victim of identity theft and I recently had my purse stolen with all of my personal information. Jefferson Capitol System placed a debt collection against my credit report. I have no idea who they are and NEVER received any correspondence from them via mail. Because of my identity being stolen in the past and now possibly again with all of my personal information stolen ( XXXX police report made ) I monitor my credit very closely. I called XXXX they provided on website. When I enter my social security # ( hesitantly and it's confirmed Jefferson Capitol System ) they state they do not have a file on their system matching my social security number. Of course they won't because this is being reported fraudulently.This is not my debt. I want this to be investigated. I do not have any debt. All my creditors have been paid off. I disputed this with XXXX and later got a response of " meets FCRA requirements ''. What does that mean? This is not my debt. I want the creditor to provide my wet signature in a contract between me and this Collection Agency. So again, I'm simply asking for you to FOLLOW Fair Debt Collection practices. Show me the written verification of debt and show me my wet signature.
I'm not sure if it's JEFFERSON CAPITAL SYSTEMS , LLC or just Jefferson Capitol System~ that's how it's being reported on my credit report.
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| 04/03/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am filing a complaint about XXXX XXXX XXXX. They have not provided me with documentations showing and proving they are in Fact the owner of an account they have listed on my credit report and with negative or derogatory status.
The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt. 2. The signed agreement from the debtor confirming to pay the debt. XXXX. The documents regarding the payments made on this account and validation of the amount. XXXX capital failed to validate this account. This account need to be removed immediately. XXXX capital system is violating the laws.
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
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| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Jefferson Capital is constantly calling me and sending me Letters about this Debt.
Jefferson Capital Systems llc.
JCS Reference # XXXX Debt Description : XXXX XXXX Amount of Debt:XXXX I have over the Phone as well as in Writing Told Jefferson Capital that this is not my Debt. I have repeatedly told them they need to Verify this Debt. They need to send me Documentation I personally Signed with Copies of my ID where I opened this account.
I have told them this is the law under the Fair Credit Reporting Act. However they never respond other than to keep calling and keep sending me Letters.
So I told them please do not contact me about the Matter anymore as I am not going to pay it. As they are able to show any Proof that this account is mine.. Still no Response on the matter just more Phone calls and more letters.
I think they think they can Bully People into Paying these False claims they have. Also this is making it really hard being on my Credit report. It is causing me undue XXXX by keeping my Credit Score Lower than it should be.
So What I am asking is that since they have Failed after Numerous attempts requested to show me the Proof of the account. As well they have Failed to Stop Contacting me as I requested. Which is also FCRA Rules.
They need to Remove this Close and Remove this account from my Credit Report Immediately.
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| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am the victim of identity theft. I discovered this 4 years ago when I was purchasing a new home. I have reached out to all 3 bureaus and sent all 3 bureaus a copy of all my identifying information along with a police report. I have had debt collectors attempt to come after me for debt owed to them under fraudulent premise. I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. Jefferson Capital Systems flagged my credit reports for a debt that was taken out using my social security number, my 1st name " XXXX '', but a different last name. My name is XXXX XXXX XXXX. The debt owed was in a name belonging to " XXXX XXXX '' ( a name I never went by ) I reached out to Jefferson Capital Systems and alerted them of this error. I was told by one of their reps that this case was given to " XXXX '' another collection agency. I reached out to XXXX and made them aware of the identity theft as well as the name issue. I was told by the XXXX rep that they were sending this case back to Jefferson Capital systems. I called Jefferson Capital Systems back and was told I had o wait until they have the case back. I asked why did I have to wait to address a fraudulent account. I waited a few days and called them back again. Also, I have never had an account with the original debtor " XXXX XXXX ''
|
| 07/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was informed by XXXX and XXXX on XX/XX/XXXX of a change to my credit file and because I have an account with them I logged in and was made aware that I have an outstanding debt with XXXX XXXX in the amount of {$1800.00}. This account was opened in XXXX of XXXX. I have never had XXXX XXXX and contacted the debt collection company that this debt is owned by, XXXX XXXX XXXX yesterday XX/XX/XXXX to let them know this account is not mine and that it is fraud, and that I would like it immediately removed from my credit report. They informed me I would receive a fraud package in the mail in 2-3 weeks and that I would need to contact the credit reporting agency to let them know it is fraudulent because they do not deal with this type of thing. I have since tried to dispute this account on my credit report 2 times and XXXX continues to claim this debt is mine, when it is not. This account previously showed up on my credit report with another collection agency named XXXX XXXX XXXX in XXXX of XXXX and I disputed it because it was not my account and it was removed from my credit report. I am not sure why this keeps popping back up on my credit report, but it is not mine. I have also disputed this with XXXX, but have yet to hear back. Please resolve this issue because it is negatively impacting my credit score and should NOT be on my report.
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Jefferson Capital Systems LLC owned a account from XXXX XXXX in the amount of {$1600.00}. This account is 8 years old. I disputed this account not once but twice the last time being in mid XXXX of XXXX, I went to call them & they said they could not talk to me as this account was being serviced by XXXX XXXX on behalf of Jefferson Capital Systems. XXXX still owned the account though. I asked for the verified info from XXXX they said they would send it & they also told me I could settle for {$1000.00}. Today on XX/XX/2022 I called XXXX & they informed me that the account had been sent back to them but they owned the account the entire time & that XXXX could only process payments & not send out verified information. The payment option that XXXX gave me was different than the XXXX option that I got back in XXXX. So in one week I was told to call a different ( XXXX ) company, got a payment option from that company, sent back to the original company ( XXXX ), asked for the original contract with XXXX with my signature on it & all the documents XXXX had with my name on it. After going back & forth & being transferred 4 times I got a supervisor on the phone. His name was XXXX with Jefferson Capital Systems ID # XXXX. He informed me the account would be removed in full. I have a witness to this phone conversation & was on a recorded line.
|
| 02/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XXXX of XXXX I became an employee of XXXX XXXX XXXX and switch my account over from XXXX XXXX. I received {$750.00} in XXXX XXXX to pay off the remaining balance from XXXX which was I was told was {$580.00} and which I paid and was told I was ready to go. After 2 months I get a bill from XXXX saying that I owed them {$120.00}. I called and after multiple hours of speaking with several reps that I did not owe this and they would take the charges off my account. Yesterday XX/XX/XXXX I got a notice that my credit score has gone down XXXX points due to a derogatory claim on my account of XXXX from XXXX that I am now expected to pay. After talking to Jefferson Capital Systems this morning they have put in that I am disputing I was told the only way to get it off my credit was to get proof from XXXX of a conversation that took place over 4 years ago and on the phone. When I call XXXX to get in contact with someone it refers me back to Jefferson Capital stating they do not have access to any information on my account. I have worked incredibly hard over the last decade to build my credit and am infuriated to see it impacted by a bogus charge like this. There was more than enough left on those cards and if they would have asked me to pay that at the time of switching I would've gladly paid what I owed. Is there anyone who can help me?
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX Jefferson Capital System, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : Jefferson Capital System Account Number : XXXX Debt Collectors Account Number : XXXX Dear XXXXefferson Capital System, I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Sincerely, XXXX XXXX XXXX XXXX Email : XXXX SSN : XXXX DOB : XX/XX/XXXX cc : Consumer Financial Protection Bureau via fax XXXX
|
| 12/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
|
|
Jefferson Capital Systems LLC successfully manage to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Jefferson Capital Systems LLC was granted a default judgment against me.
I have never had any type of account with Jefferson Capital Systems LLC. My name is very common in the XXXX Texas XXXX. Additional, the veracity of the claim hasnt been fully explored beyond a shadow of a doubt ( by me ) that includes examining the subject accounts owner, receiving a full accounting of all charges, full account payment history, reviewing the account contract, plaintiffs evidence of subject account ownership, evidence of plaintiffs attempts to make aware of impending lawsuit prior to filling, determining if plaintiff attorneys is working within Texas or is from out of state, reviewing the statute of limitations for the action- among other considerations.
As such, is Jefferson Capital Systems LLC has disregarding federal laws designed to protect consumers at large.
I urge the federal government start a full-scale audit/investigation on Jefferson Capital Systems LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX JEFFERSON CAPITAL SYST account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), Jefferson XXXX XXXX XXXXXXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.
|
| 11/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
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Web |
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Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX They have no email. This debt says it is from XXXX XXXX which was the last phone carrier I had when I lived in the USA ( Hawaii ) ... but I have not lived in USA since XX/XX/XXXX. I called XXXX to cut off my service when I moved to XXXX ( XX/XX/XXXX ) but apparently they did not close out the account as they should have. I did not find out about the error until I had a work trip back to USA in XXXX. I have not been in the USA even for a holiday since that trip in XXXX. I have plenty of documentation that can prove my move to XXXX. Hawaii has a 6 year statute of limitations on debt so that has expired, but Jefferson Capital seems to show a date of XXXX. And I still live overseas ( XXXX now, still with military ) so it makes this difficult to dispute.
This debt has not been validated to me in any way. Given my moves, it is probably related to problems with mail ... but this is ridiculous. XXXX can't charge someone out of the country that can't even know they are charging. I called to cancel. My cellphone wasn't even on once I flew to XXXX ( different SIM system ). And Capital can't use a date from 3 years AFTER I moved outside the USA. I've disputed the debt but not answer from anyone. Jefferson Capital has never sent me any paperwork validating the debt.
|
| 04/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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XXXX XXXX Case Number : XXXX RE : DISPUTE AMOUNT OF DEBT {$9600.00} Dear Jefferson Capital SystemXXXX XXXX XXXX XXXX XXXX We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached.
On XX/XX/XXXX we purchased a cashier check from XXXX XXXX for {$3100.00} to XXXX XXXX XXXX. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. XXXX XXXX XXXX Cashed our final payment of {$3100.00} and SOLD the loan to Jefferson Capital System on XX/XX/XXXX a month later.
SEE ATTACHED.
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by XXXX XXXX XXXX on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to Jefferson Capital System. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.
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| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
|
In accordance with the fair credit reporting act convergent Acct list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX
Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports.
I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately.
The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report.
Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally.
Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
|
| 02/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
In XX/XX/XXXX a collection account from XXXX was removed from all 3 major credit bureaus after several disputes. XX/XX/XXXX I had a VA mortgage lender pull my report for a home loan, which DID NOT REFLECT the removed debt.
On XX/XX/XXXX I woke up to an alert from XXXX that a delinquency debt was placed on my credit. I was NOT notified by the 3rd party debt collection agency JEFFERSON CAPITAL SYSTEMS prior to this. I immediately called the number provided and was told by their agent that they did not handle that type of account and provided me with another number to call. Upon speaking with now a 4th party XXXX XXXX regarding this debt ( that was removed prior ), I was told that they did not need to send any information and they had the right to place the debt on my credit. I told the representative that they were required to send me all correct information regarding this account as well as provide 30 days for me to respond or dispute. The representative did not speak clear English and talked in circles. Despite the communication issue over the phone, These two companies are unwilling to take the legal steps, especially for an account that was REMOVED entirely from all bureaus!
I immediately filed a dispute with XXXX and was notified 24 hours later that this account is accurate. I am beside myself with frustration!
|
| 12/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number.
I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement.
This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
|
| 01/10/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy.
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate.
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccurate date opened of XX/XX/2017.
If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports.
If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
All correspondence should be sent to my attention at the above address.
Thank you.
|
| 04/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I opened a XXXX XXXX Account XX/XX/XXXX, nearly 12 years ago and in the ten years that I used the service, I only missed one payment, my last payment ; because I moved out of the country and closed the account, yet unbeknownst to me, they still ended up charging me {$610.00} I was not even aware of the charge until I got back to America from XXXX. I tried to dispute it with XXXX directly, but they could not find my account in their store. I then did not know what to do about the collection, but they have injured my credit score. It is currently a charge off, I am a full-time student and also a full-time single mother and I in attempting to fix my credit. I do not think it should still be reflected upon my credit report, the crediting company is XXXX XXXX XXXX and the collection was opened XX/XX/XXXX. I am starting an XXXX program at the University XXXX XXXX and it is so expensive, as I am also graduating from the institution in 6 days with my XXXX in XXXX XXXX and a XXXX in XXXX I have accumulated nearly {$30000.00} in student loans. I need to secure funds for school and this is really restricting me because it has effected my overall credit score. I am working very hard to secure my son 's future and mine, and without credit I am limited even with a great education, I hope you can help me in resolving these issues.
|
| 10/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Jefferson capital system, I was notified by the three major credit reporting agencies, the fraud was committed on my person and that the account that they have in their system may be pertaining to fraudulent activity. This company received a complete packet from XXXX which was downloaded to XXXX the other download/upload system. Upon XXXX receiving that information, they contacted this creditor and notify this creditor that identity theft may Exist in this consumer file. This collection agency was asked to conduct an investigation into the consumers fraud claims. The collection company never contacted Investigation and to Fraud and, when Notified that this is a fraudulent debt, this collection agency failed to cease collection activity and investigate the claim. Instead, they felt it would be better just to validate the Debt.
This debt can not possibly be mine so seen that the perpetrator was caught, prosecuted and convicted. In this court case he stated on the Stan, that he used my information as well as others to make a profit on the Internet. That meant, selling your personal information using your personal information, and profiting from other peoples personal information.
So it is already a clear violation based on the fact that a criminal was already admitted and been convicted of this fraudulent account.
|
| 10/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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On XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX about a payment plan option that is set to expire on XXXX XXXX. I wanted to choose option 1 for a full lump sum payment in full. I spoke with a representative named XXXX who could not explain why I received a collection on my XXXX credit report which dropped my score XXXXXXXX XXXX and it was only XX/XX/2023. He could not explain why so I requested a supervisor. A supervisor named XXXX XXXX spoke with me and informed me that they can actually report that to the credit bureau after having my account for 90 days. He then told me that they received my account on XX/XX/2023. I replied that 90 days would be XXXX XXXX and today was XXXX XXXX so it was not 90 days. He put me on a brief hold and then came back and told me it was 40 days and that my 40 days was expired. At that moment I felt that something was not right and that it may be thousands of other people who rights are being taken advantage of and being violated. Please see attached documents for verification and the phone call was on a recorded line at phone number XXXX on XXXX XXXX.
Thank you so much for your help and investigation into this matter. My plan was to pay it before the XXXX XXXX deadline however it was already reported and had damaged my credit score significantly before that date.
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX ( and most likely other credit reporting agencies ) are reporting a debt shown by JEFFERSON CAPITAL SYSTEM, a collection agency, for a XXXX account opened in 2019. I disputed the account online with XXXX, days later they sent a status and said the account was VERIFIED AS ACCURATE. I contacted XXXX, and they say they have no obligation to ask for any proof of the account, if a creditor provides my name, address and social security number they will report it as a debt. After they asked me for paperwork to prove it wasn't my account ( I asked them, how am I supposed to prove a negative? Shouldn't the obligation be for them to ask Jefferson Capital for proof?? ). I also contacted Jefferson Capital, and after asking for all of my information, new address, etc., they simply went into debt collection mode and asked about me paying off the account. I stated that this was not my account, I've never had an account with XXXX, and asked them to please send me whatever documentation they had relating to the account being established ( my signature, where was phone sent, etc. ). They said they couldn't do that and hung up on me.
How do I get this cleared up??? This is a ridiculous system where companies can submit faulty information and then aren't required to provide documented proof of the account when challenged.
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I believe someone at XXXX XXXX XXXX XXXX used my name to open accounts for other people. I have an open XXXX account that has been opened in 2018 at that time I was told that I had thousands of dollars in collections that I owed? When I looked at the phone number that XXXX had on " my '' current account profile that they linked to the account that was owed thousands in collections ...
I realized that the PHONE NUMBER *which anyone needs to open a utility account Is NOT Mine, nor has it ever been. I believe it is the key to proving that these old XXXX XXXX debts?? now being represented by Jefferson Capital Systems/XXXX XXXX XXXX Are bogus. Further I honestly believe that this was in fraud happened within XXXX as when I was a reported at the XXXX XXXX affiliate, there were several calls that came into the consumer office complaining of customers information beings used by XXXX employees to open bogus accounts for friends and relatives or ( street customers ) for those dishonest XXXX employees. I think this is what has happened in my case since I have had no other " identity theft '' issues outside of this Bogus XXXX account/debts. Please see the attached pic of the phone number on my XXXX Profile, it is not, nor has it ever been mine. Also review the company XXXX trying to get me to " settle '' this bogus debt.
|
| 01/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit.
2. Formal certification that the alleged debt was transferred to a third party if applicable.
3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off.
4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status.
5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state.
I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors.
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
|
| 03/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I found out that I was sued by Jefferson Capital Systems , LLC and a civil judgment had been declared by the XXXX XXXX XXXX XXXX. The case number is : XXXX. Jefferson Capital Systems file number is : XXXX.
The judgment was made on XX/XX/XXXX. On XX/XX/XXXX I received another notice from Jefferson Capital Systems from a XXXX XXXX XXXX XXXX, CO. The amount of the debt listed is {$1800.00}. This is astronomical for a credit card with a {$300.00} credit limit. Also of note is the fact that my last name when married was, " XXXX '', and it was legally changed back to my maiden name, " XXXX '' after my divorce was finalized in XXXX of XXXX. The notices I have received are addressed to " XXXX XXXX ''. This also makes me question the statute of limitations on this debt.
I looked up the case number above and discovered that the case was closed years ago. I am questioning the legality of continued attempts to collect on this debt and potential violations of the laws regarding consumer debt collection practices.
I am also XXXX and my only source of income is XXXX and I have not worked since XXXX of XXXX.
I would appreciate your help in this matter as Jefferson Capital Systems has a long history of fraudulent debt collection practices.
Thanks in advance for your help in this matter.
Sincerely, XXXX XXXX
|
| 07/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I had no knowledge that my account was in collections or that your company have sold my account to another company for collections .. plus the damage is on my credit report already .. Name : XXXX XXXX Account Number : XXXX Your account was sold to Jefferson Capital. To make a payment or if you have account balance questions you will need to contact Jefferson Capital at XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am not liable for this debt with JEFFERSON CAPITAL SY. I do not have a contract with JEFFERSON CAPITAL SY. JEFFERSON CAPITAL SY did not provide me with the original contract as I requested. I do not owe this debt and that made me to dispute it when I saw it on my credit report. JEFFERSON CAPITAL SY is supposed to provide me with the debt validation which they don't have. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), JEFFERSON CAPITAL SY is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.Under the FCRA, unverifiable accounts must be removed and if JEFFERSON CAPITAL SY are unable to provide me a copy of verifiable proof, JEFFERSON CAPITAL SY must remove the account mentioned within 10 days, otherwise according to 15 USC 1692 I will sue or file an FTC report against JEFFERSON CAPITAL SY which has damaged my reputation, caused me serious mental stress, and affected my character by 1 ) reporting unauthorized debt on my credit report 2 ) ignored my humble request to remove this unauthorized account under the fair credit reporting act ( FCRA ) as my legal right.
|
| 08/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, XXXX # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. JEFFERSON CAPITAL SYSTEMS , LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$830.00}. JEFFERSON CAPITAL SYSTEMS , LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2021, i sent a dispute letter to the consumer reporting agency disputing an alleged debt by Jefferson Capital Systems. On XX/XX/2021 ( not within the 5 days 15 US code 1692g gives which is a violation ) i received a letter from Attorney at law XXXX XXXX stating that this is an attempt to collect a debt. After the consumer reporting agency failed to remove my dispute and stated the debt was verified i begun to research what verification methods were used to verify the alleged debt. Congress states the natural person has to verify a debt. Congress also states that in order to verify any debt interviews must be taken with family or neighbors, nothing on the list of validation has taken place therefore this alleged debt has not been verified. Pursuant 15 USC 1681b ( 2 ) permissible purpose which i have not given a written consent to furnish. On XX/XX/2021 i sent a letter regarding debt being alleged and that contacting myself via mail is a violation because you were never given consent. Since this charge off has been placed on my consumer report i have suffered living arrangement damages. As a consumer and natural person im aware my what my social security card and my birth certificate is. Jefferson Captial Systems has held an allege debt of {$3100.00} on my consumer report for atleast 4 months.
|
| 01/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Two years ago I went to a XXXX XXXX XXXX in XXXX XXXX, CA. The associate asked if I would like to open a XXXX Debit Card. I said no, however they explained, this is NOT a credit card and is in no way tied to your credit. I agreed to open the card, which was simply linked to my checking account like a debit card. I filled out the information and gave it to the cashier/associate. The associate entered the information, then rang out the transaction. The transaction went through and I left the store with approximately {$50.00} in merchandise. I am now receiving notice from XXXX XXXX that I am in collections. I have called them and they said that the transaction did n't go through and now they have put a collection on my credit. This error occurred due to some system error with XXXX and I never received notice that I owed them anything. They will not remove the collection even if I pay them. My credit score has gone from the high 700 's to below 700. This all over {$50.00} on an account that I was told is not a credit account and was not tied to my credit whatsoever. Also the phone number they read back to me was wrong by one digit, they said they had called to try and collect the debt over the phone. I would have been able to pay this had the associate not entered my phone number in incorrectly as well.
|
| 02/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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I have this information on my credit report : JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX Overview You have 100 % left to pay on this collection.
Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info It is incorrect and they keep calling me. I have asked them to stop several times. I have explained to them that the information they are providing is false.
1. ) I do NOT owe Jefferson Capital. I never got a phone or a phone line from Jefferson Capital. I never agreed to pay Jefferson Capital nor do I have an agreement with Jeffererson CapitaXXXX.
2. ) They are reporting that this is a new debt and making my credit score go down and show me in collections. This debt is not a year and 3 months old. That's when Jefferson Capital purchased the debt. This debt occurred with XXXX in XXXX. Which is WAY over the statute of limitations that allows them to have it on my credit report. It should have fallen off after 7 years or 10 years at the most. It's now XXXX and Jefferson Capital is trying to call and collect someone else 's debt. I don't owe them and I'm not paying them.
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
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They repeatedly called and harassed me. And hung up on me. They blocked my calls, they refused to verify the alleged debt.They have refused payment for a alleged debt that I was never contacted about by them. Thai debt appears to have happened during the whole COVID 19 lockdown. Nor was I ever given a chance to question or pay the debt before they ran up the bill by filing a frivolous lawsuit against me through Love, XXXX and XXXX. Who also still to date have not supplied me with anything supporting the debt. They also refuse to accept payment to remove the debt and or lawsuit complaint. I have talked to people at the Love, XXXX, and XXXX trying office 3 times of which all 3 times they refuse payment and or removing the debt from my credit. They have told me 3 times they would mail a letter which they have not nor have they made me aware that they are suing me. I found that information myself on oscn.com after they acted suspicious. I contacted them 2 times on XX/XX/2023 and again on XX/XX/2023. I wrote down the people name and the time of refusal. This is a malicious attempt to hurt somebody's credit for no reason. This is not XXXX We are not on a social credit system therefore you should not be able to attack somebody in the manner they are attacking me and my credit. Abuse of process and power.
|
| 10/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!
I request that XXXX XXXX verify the following information.
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from all CRAs.
XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. There was no prior knowledge of debt until XXXX alerted me to it. No contact has ever been made.
|
| 11/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX, I bought a used XXXX XXXX from XXXX XXXX XXXX. I took out a XXXX from XXXX XXXX XXXX on the date of purchase. I'm not sure if XXXX XXXX XXXX is still open or if it has been acquired by another company.
I did get behind on payments with XXXX XXXX XXXX after paying off most of the loan ( remaining balance {$2100.00} out of approximately $ XXXX in loan and interest payments ). XXXX XXXX XXXX repossessed the car which was offered as collateral for the loan stating the balance of the vehicle 's sale would be applied to my remaining balance.
It's now XXXX, I have been working with XXXX 's XXXX and XXXX on trying to close this balance. I come to find today that I no longer owe anyone money after simply asking for a breakdown of my account balance.
I have incurred XXXX years of credit damage from the following parties : XXXX XXXX XXXX Unifin XXXX XXXX What are the steps I can take to repair what these lenders have done to my credit score? I feel 100 % vindicated after hearing I owe no money as of today. I'm even wondering if I'm owed money from these parties considering they can not produce any details pertaining to the money they were attempting to collect for years.
Here are the company 's websites that I have cited in my complaint XXXX XXXX XXXX XXXX XXXX XXXX ( website unavailable )
|
| 02/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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DEBT COLLECTION AGENCY. INACCURATE INFORMATION XXXX/XXXX # XXXX ; ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ; ( XXXX ) XXXX ) Loan type : charge account Closed XX/XX/XXXX Purchased by another lender unpaid balance charge off Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++ JEFFERSON CAPITAL SYSTEM # XXXX, ( XXXX XXXX XXXX , XXXX. XXXX, MN XXXX ( XXXX ) XXXX ) Purchased for COLLECTION XX/XX/XXXX Loan type : Debt Buyer Lists Original Creditor as XXXX XXXX XXXX ( not XXXX/XXXX ) Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++++++++++ REMOVE INACCURATE/INVALID/ERRONEOUS INFORMATION REPORTING Jefferson Capital System lists Original Creditor as XXXX XXXX XXXX Original creditor actually was XXXX/XXXX and says account was purchased by another LENDER not by a COLLECTION AGENCY +++++++++++++++++++++++++++++++++++++++ how can Jefferson Capital list removal date as XX/XX/XXXX when XXXX/XXXX lists removal date as XX/XX/XXXX ( original creditor ) how can Jefferson Capital list original creditor as XXXX XXXX XXXX when original creditor appears to be XXXX/XXXX theoretically they could be separate/differing companies both of these concerns are based on technical fact based inaccuracies ;
|
| 09/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize.
1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital.
On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX that they are deleting all three disputes. I have attached a copy of this letter.
On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid.
I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.
|
| 08/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In reviewing my credit reports, I noticed a collections account from Jefferson Capital for a XXXX XXXX account that is not mine. The original creditor listed is XXXX XXXX. The amount shows as {$2100.00} I have no knowledge of this account. I have never had an account with XXXX XXXX. Upon contacting XXXX, they confirmed that they have no account associated with my name, phone number, or address. This is clearly an unauthorized and fraudulent account.
I contacted Jefferson Capital and disputed this collection account. They have failed to provide validation of the debt and have not removed it from my credit report.
This inaccurate information is damaging my credit score and ability to obtain credit. I am requesting that the CFPB immediately open an investigation into this fraudulent account and require Jefferson Capital to validate the debt or remove it from my credit report. Please also require the credit bureaus to delete any reference to this unauthorized collection.
I have attached copies of my my correspondence with XXXX XXXX, and my dispute letters to Jefferson Capital as evidence.
Thank you for your assistance in resolving this matter. Please let me know if you need any additional information from me. I look forward to your help correcting this unlawful entry on my credit file
|
| 05/14/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I called Jefferson Capital regarding a collection on my credit report. The only option was for me to call another collection agency. I called the other number and spoke to a lady. I asked her about the debt. I wanted proof and verification that this is in fact my debt. She asked me to verify my info and email. She told me that she would send me the info via email. Then she ask me if I could make an arrangement to pay for the debt. The debt is {$9900.00}. She was willing to settle it for $ XXXX and in 30 days remove it from my credit BUT she would need to contact Jefferson Capital to verify if they would allow the settlement. I said ok. She said she would call me back. I NEVER heard from her again. This was on XX/XX/XXXX. I called back the next day and it went to a man 's voicemail. So I called with my sons phone and spoke to another lady. She stated I should definitely hear back from the company on Monday XX/XX/XXXX. I have yet to receive any email nor any call. This is affecting my credit score and it really is unfair that a company is reporting on my report yet allowing a different company to collect the debt. As a consumer I feel afraid I will get scammed out of my money in this instance because I can't be certain that they will keep their word. Especially from this experience so far.
|
| 06/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently checked my credit report and found a debt from a debt collector called XXXX XXXX XXXX. First and foremost, I have never received any form of phone calls or letters at all from this company. I have never spoken to anyone from this company either. So when I saw XXXX XXXX XXXX has listed the open date for this debt on my report as XX/XX/XXXX, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX as it states on my credit report. I have not had a XXXX XXXX account since years and years ago. And in all actuality, I have had a XXXX account since XX/XX/XXXX. I believe, XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year the XXXX XXXX account actually fell behind ( I'm thinking it was around XX/XX/XXXX-XX/XX/XXXX ). Which, if I am not mistaken, 5 years is the cut off mark for Florida statute of limitations. So if they did re-age my debt, XXXX XXXX XXXX can sue to collect a debt that may be time-barred. I have a image of my credit report showing the new incorrect date ; as well as, a copy of my original contract with XXXX reporting the date that I started my current account with them that I will be supplying.
|
| 04/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I saw on my credit report I have an account with XXXX XXXX, that is past due and reported to collection to Jefferson Capital. I don't live in the US. I left the US in XXXX. Since then I have not maintained a residential address in the XXXX. According to the record, the account for cell phone was opened in XXXX. I was not in the US then. Why would I open an US cell phone account, when I was not even living in the country? I haven't paid taxes in the US then, not paid electricity, not had a job in the US then. It could be verified.
I didn't know about the account until I looked it up on my credit report. I haven't received any notifications in XXXX or since then.
It is for {$1000.00}. I am not even sure for what period that refers, what usage, on what residential address is this service based? I didn't have a US residential address in XXXX, so on what address is it based? I want a full investigation of the charge, I want to dispute it. Who opened it?
The past due amount has been reported to two credit bureaus, XXXX and XXXX, and the third one knows about the account too. I tried to contact XXXX, but they say because the account has been transferred to a collector, they don't have more information about it. They can't tell me for what period it is, what is the address of the customer.
|
| 08/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
The company sent a letter months back stating I owed them money at which time I called and informed them they needed to contact my attorney as this was settled in bankruptcy. I get another letter today dated XX/XX/XXXX that I have until XX/XX/XXXX to pay them {$7700.00} remaining on the debt. This account was closed in my bankruptcy and it is against the law for them to be contacting me at all in regard to paying any remaining balance on this account. I have already told them once before that they needed to contact my attorney and they have ignored going that route. My bankruptcy was finalized as of XX/XX/XXXX and the vehicle is still taking up space on my property. I converted to CHXXXX in XX/XX/XXXX and they had ample amount of time to say anything to my attorney as well as come and pick up the vehicle. It has been sitting on my property taking up space and getting in the way for 10 months now and I am well within my rights to file a petition with the court to collect fees up to {$10.00} a day for rental space on the property. I will plan on proceeding with this within the next 30 days if I don't hear anything back. I am sending a copy of the letter from Jefferson to my bankruptcy attorney as well as he is within his rights to pursue any legal ramifications in regard to this matter.
|
| 08/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
I called Jefferson Capital Systems, today, XX/XX/2020. In an attempt to clear up, as in request a settlement on this collection notice on my credit report. I spoke to XXXX who was extremely rude, and constantly interrupted me and spoke over me. She gave me an amount of {$200.00}, to settle the account, to which I am in agreement to pay. I simply ask that they send me something in writing and I will pay it. They said they sent me something in the mail in XXXX which I have not received. I live in an apartment complex and our mail gets put all over the place. I have even had medication from the VA found in different mailboxes on at least two occasions. I said I would even take an email. I got tired of talking to her and asked for a manager. I ended up speaking to XXXX another extremely rude and disrespectful person. I told her that I would even accept an email while we were speaking on the phone and pay it over the phone. They refuse to send me anything until I gave my checking account information or debit card information. I cleared up an account with this company from a letter I had in my hand with an agreement. Please listen to the tape they have and you can easily hear me trying to make an arrangement to get this paid while be interrupted and spoken over which is very disrespectful.
|
| 07/29/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
Servicemember |
|
I have called the company Jefferson Capital Systems and when I spoke to them on XXXX/XXXX/XXXX I spoke to XXXX women. I asked the first woman if the reporting could be deleted from my credit report and she advised me that it is the policy of Jefferson Capital Systems LLC to not delete their reporting for any consumer. I asked to speak to someone more senior and the representative told me she is XXXX. I was transferred to a second lady, whom was identified as a supervisor, and I asked if they could remove their reporting due to extenuating circumstances. The supervisor even specified that a " homeless mother of XXXX '' could not have the reporting from this company deleted on her report. I consider their reporting to be harmful to me. It is difficult to get a representative from this company. Often when I call, I will receive an automatic message after holding saying, " Sorry, at this time we can not accept your call. Please try again later. '' This company did not offer or allow me to dispute their reporting and denied my requests to delete their reporting.
I paid an outstanding bill XX/XX/XXXX to Jefferson Capital Systems LLC to pay a debt being collected for the original owner of the debt XXXX XXXX from XX/XX/XXXX. The matter is closed and was reported paid to the credit bureaus.
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
on XX/XX/2021 I Request in writing by a Certified mail domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation from Jefferson Capital System to provide me with competent evidence that I have any legal obligation to pay you Jefferson Capital System they sent back a bill I sent another letter on XX/XX/2021 requested Declaration of some type of proof. if your office fails to respond to this validation request and don't send all pages of how you Jefferson Capital System validation the debt, show me the Original Contract that I signed any thing other then a paper bill, payment history, interest rate, payoff disclosure, amount paid since the debt was purchased within 30 days from The date of your receipt Jefferson Capital System sent a letter confirm that they closed their file and terminated collection action but they did not deleted nor remove it how I read it as they will sell the debt knowing its not a validation debt According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification of the original signed consumer contract any and all account you post on a credit report otherwise, anyone could fraudulent a account
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, XXXX and XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail.
Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX 20222 after dispute however purchased by new company XXXX XXXX amount {$480.00} and added back to credit report as XXXX 2022 XXXX XXXX XXXX acct XXXX amount {$800.00} removed XXXX 2022 after dispute however purchased by new company XXXX XXXX amount {$800.00} and added back to credit report as XXXX 2022 XXXX XXXX XXXX acct XXXX amount {$1000.00} removed back in XX/XX/2022 and added back in XX/XX/ 2022 this is fraud XXXX XXXX XXXX acct XXXX amount {$220.00} removed back in XXXX2022 and added back in XX/XX/2022 this is fraud.
I have attempted to contact these companies to validate debt to no avail. Information in credit report in dead phone numbers and bogus addresses.
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by Jefferson Capital Systems. Last month, all the credit reporting agencies including XXXX finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from XXXX today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful.
Please see the attached documents. As it stands, Jefferson Capital and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency XXXX is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.
|
| 08/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I purchased a used XXXXXXXX XXXX XXXXXXXX vehicle from XXXX that was financed through XXXX XXXX XXXX On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted XXXX XXXX XXXX numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by XXXX XXXX XXXX in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually XXXX XXXX XXXX repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some Jefferson Capital Systems.
|
| 05/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.
|
| 12/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received two letters from Jefferson Capital concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by Jefferson Capital to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " XXXX '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in XXXX grade XXXX XXXX years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. The same day, I called Jefferson Capital to file a complaint. I tried to ascertain from the call
person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.
|
| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Adverse Action and defamation of character Jefferson Capital System I, the consumer and natural person, was a victim of identity theft, XXXX XXXXXXXX XXXX discharge the debt 1099C and then sold the debt to Jefferson Capital System. Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX XXXX and Jefferson Capital System in response I received from XXXX XXXX XXXX and Jefferson Capital System were discharge of debt XXXX XXXX XXXX XXXX and Jefferson Capital system is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX XXXX and Jefferson Capital system isusse application without my knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of XXXX XXXX XXXX and Jefferson Capital system
|
| 07/30/2019 |
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
|
|
Web |
Servicemember |
|
I had an account show opened XX/XX/2019. Evidently this is an old XXXX XXXX account. The amount was {$2200.00}. This account was 10 years old and had already dropped off of my credit reports, then reopened and pulled my score down causing me to lose the pre-approved status on buying a home as well as {$1000.00} invested in septic permits etc. Then the account fell off again because, as I said, it was past statute of limitations and illegal to continue reporting. But why was I not already protected from this unethical approach? Then, XX/XX/2019 it was updated and bought by Jefferson Capital Systems. The balance was updated on XX/XX/2019. Now my score is being pulled down again after having worked to recover and about to pursue home buying again. I dont understand what gives either company the right to try sneaking around the law that was put there to protect consumers. This seems to violate the Fair Credit Reporting, it is definitely devious and unethical, Im pretty sure its illegal, and For these companies to join together in unfair practices against any consumer to manipulate them for money is unprofessional. Why are they not subjected or feel like the law doesnt apply to them? I want justice. I can not continue to be punished by greedy collectors and spiteful businesses.
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. XXXX XXXX never sent me a XXXX and illegal sold a alleged debt to Jefferson Capital who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!
|
| 03/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
I am filling a complaint against Jefferson Capital Systems , LLC. I do not have a blue, wet ink signed contract with Jefferson Capital Systems , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Previous to today, I have never communicated to Jefferson Capital Systems or had any verbal or written communication. I was notified by a past employer that Jefferson Capital Systems , LLC had repeatedly called my past employer. My past employer reached out to me and informed me yesterday, XX/XX/, of the incidents.
Jefferson Capital Systems , LLC have violated the Fair Debt Collections Practices Act that protects consumers from harassment and privacy violations by bill collectors. Jefferson Capital Systems , LLC has violated these sections of FDCPA ; 15 USC 1692c 804, 2 ,3. Acquisition of location information, 15 USC 1692d 805a. 15 USC 1692d 805a, 3. 15 USC 1692d 805b., 15 USC 1692d 805, 15 USC 1692f 807,11. 15 USC 1692h 809. Validation of debts, I have not given prior consent of, me, the consumer given directly to the debt collector, or the express permission to communicate to a present or past employer. However, Jefferson Capital Systems , LLC has contacted a past employers and spoken to them, then disclosed that I supposedly owe a debt and they are trying to collect it.
|
| 01/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2016, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
|
| 08/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2016, this debt for {$2300.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
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| 03/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom it may concern : Under the Fair Debt Collections Practices Act ( " FDCPA '' ), the Fair Credit Reporting Act ( " FCRA '' ) The Consumer Credit Protection Act ( " CCPA '' ), I have the right to request validation of the debt they say i owe. On XX/XX/2020 I disputed and requested validation for a debt of XXXX dollars from Jefferson Capital Systems giving them 30 days to respond.My letter to Jefferson Capital System was sent certified and received by them on XX/XX/2020. As of today XXXX XXXX Jefferson Capital System has not responded, validated, or removed this account from my credit reports with XXXX XXXX, or XXXX in which this account is listed on all 3. This is my formal complaint that I believe the agency has violated my right as a consumer by failing to validate a debt at my request and continuing to report this disputed debt to the all 3 credit bureaus listed above. This is a clear violation of both FDCPA and the FCRA. Jefferson Capital Systems has ignored my request for validation of debt ( proof attached ) and by continuing to report to all 3 credit bureaus is causing damage to my character.I 'm requesting that all future attempts to collect this invalidated debt cease and desist and be completely removed from all 3 credit bureaus XXXX, XXXX, and XXXX.
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| 06/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I first asked the cred itor Jefferson Capital Systems to verify the debt, they are collecting on behalf of XXXX . I asked them to provide me with a billing statement to verify all charges from XXXX , my account number from XXXX and the types of services I had. They failed to do this. I disputed this on my credit report as inaccurate info. The Credit Bureau responded and said that the information was accurate. I no longer disputed it and stated that it 's not under dispute anymore ; however, the collection agency sent me an actual copy on my credit report and I noticed that the information they have reported still is n't accurate and does n't make sense. They said the collection account was opened XXXX . They are reporting that the date of first delinquency was XXXX which is incorrect because I still had services with XXXX in XXXX of XXXX and the account was active and open and not delinquent. They also reported that the date the first major delinquency was report was XXXX , so if this is the case then how was the collection account opened before the first major delinquency was even reported. The dates are conflicting and it makes no sense and I requested the Credit Bureaus remove this inaccurate conflicting info but they still have refused to do so.
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| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name JEFFERSON CAPITAL SYSTEM , has violated my rights 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 _astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information An other adverse item of information, other than records of convictions of crimes wnich antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Account Number XXXX Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXXXXXX XXXX {$290.00}
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| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Jefferson Capital Systems , LLC has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off in XX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for XXXX, I have never had any service of any kind with XXXX. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.
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| 06/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
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| 05/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2017, this debt for $ XXXXappeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
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| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
The debt collector goes by the name Jefferson Capital System. They reported an unpaid Debt on my credit report on XX/XX/2020 for the amount of {$1000.00} claim I ow this amount from the original creditor XXXX XXXX. I have made many attempts to resolve this error. I have reached out to XXXX XXXX who confirmed the debt does not belong to me as my account was paid. I have notified and disputed ownership of this debt with Jefferson Capital System a dozen times since XXXX of XXXX and every time I requested proof of the debt they claim belongs to me which they have never sent and that is because the debt does not belong to me and I have confirmed this with XXXX XXXX XXXX This debt collects Jefferson Capital System has violated my rights on more then 12 occasions I had requested Debt verification from them but the only thing they mail me is an offer for 10 % off the debt and has never once provided me debt verification. The debt belongs to a family member with a similar name and the same address however we have completely different SSN and birthdates. This debt collector has wrongfully accused me of a debt I do not owe and illegally continues to damage my credit report and harassment me with mail threats and discount offers and refuses to send proof or debt ownership.
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| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by Jefferson Capital to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to Jefferson and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.
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| 06/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
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| 10/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX , XXXX. located in XXXX XXXX, MN claims that I owe a debt of {$1100.00} and that the original debtor was XXXX. I sent the initial letter disputing the debt on XX/XX/2018. XXXX XXXX replied claiming that the debt was " verified '' however, they have failed to provide competent evidence BEARING MY SIGNATURE, showing that I have ( or ever had ) some contractual obligation to pay them. This is a violation of FCRA & FDCPA. If a company is unable to validate the debt, it must be requested by the credit bureaus that the entry be removed.
On XX/XX/2018, I sent a second letter to XXXX XXXX requesting, yet again, a contract bearing my signature as proof that I have a legally binding contractual obligation to pay them. XXXX XXXX responded with an itemized statement rather than my signature on a contract. I requested for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I may inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they must be aware that a printout of a bill or itemized document does NOT constitute verification.
I am a victim of identity theft, and I am simply requesting proof.
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| 07/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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|
After already paying off the debt through XXXX XXXX over a year and half ago it was removed from my credit immediately and now we went to check my credit again today and it popped back up on there in the amount of {$1400.00} and when I reached out to XXXX XXXX XXXX they can not provide me with any information of phone calls, written notice, any account info. I provided that they give me all my info before going any further, spoke with my bank and they also do not understand why it popped back up on my credit when it has been paid for and already taken off my credit report once before. I am furious because this dropped my credit score of 43 points for no reason, they have no sent me any notice to dispute, no phone calls, no mailed forms etc. they have no info stored in their system that I owe this. Its very frustrating due to the fact I was suppose to be getting my loan for my house today and this stopped me because they have falsified information and have no proof of the debt still being owed. It was paid for once in the amount of {$840.00} and taken off my credit and now they jacked it up to {$1400.00} and no explanation of why or how it happened. Theyre clueless and if this isnt taken care of Im reporting to the XXXX and getting a attorney involved.
XXXX
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| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this.
XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status.
XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}.
JEFFERSON CAPITAL SYSTEMS ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}.
I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}.
XXXX has never had a late payment and needs corrected to reflect this on my credit reports.
XXXX has never had a late payment and needs corrected to reflect this on my credit reports.
XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.
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| 04/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- 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
|
|
Web |
Servicemember |
|
The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( LVNV Funding , LLC v. Trice, 952 NE2d 1232 ( 2011 ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations
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| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was called on XX/XX/22 at XXXX am, the company was XXXX XXXX XXXX via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number.
Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX.
The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument.
I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.
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| 10/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a collection notice from Radius ( 2nd collection agency ) on XX/XX/XXXX. The debtor description listed XXXX XXXX yet I've never had any account with XXXX. I called XXXX and learned that the account was opened by XXXX on XX/XX/XXXX by someone using my old name ( changed in XX/XX/XXXX after marriage ), a fake email address and phone number. I didn't open this account. The account was apparently closed in XX/XX/XXXX at which time XXXX sold the debt in the amount of {$980.00} to Jefferson Capital Systems on XX/XX/XXXX ( 1st collection agency ). I never received any invoice or collection notice from XXXX or Jefferson Capital Systems. The first time I learned of this was when I received the collection letter from from XXXX. I filed a police report on XX/XX/XXXX and it was approved on XX/XX/XXXX. I've pulled my credit reports and observed no suspicious activity. Through the FTC/Identify Theft.Gov, I submitted all appropriate paperwork and demand letters to XXXX, both Debt Collectors and all Credit/Reporting Agencies. All aside from Jefferson Capital Systems have responded and wiped out the debt/resolved the issue. Jefferson Capital continues to pursue collection of this falsified debt. I have all documentation related to this matter. Please help me.
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| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies.
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account XXXX : XXXX This is not mine.
7. Identity Theft XXXX Account XXXX : XXXX This is not mine.
8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
9. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
14. Identity Theft JEFFERSON CAPITAL SYST Account Number : XXXX This is not mine.
15. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
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| 06/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the XXXX XXXX XXXX in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About 7 years ago, I had a 2 year contract with XXXX with only a couple of months left to go when the phone stopped working due to an internal software issue and nothing I had done. Even though I had been paying for full coverage insurance every month for almost years, they wouldn't cover my phone because it had a small Crack in the corner of the screen. When I told them to fix the phone and don't worry about the Crack, they said it didn't work like that. They don't really fix your phone, they trade you for another one. So in order to do that your phone has to be in perfect cosmetic condition. Not only did they not validate my insurance, but they wanted me to pay hundreds of dollars for a deductible, to fix the phone, AND they wanted me to pay the monthly bill for a phone that didn't work. I told them I'll just go get a prepaid and cut my losses, and they told me I would also have to pay money for " breaking my contract ''!!! XXXX refused to help me resolve this issue in any way, then they sent it to collections where it has been ignored for years waiting for it to fall off my credit report. Only now there are XXXX XXXX accounts with 2 different numbers and two different amounts! One of them isn't mine, and the other should be erased out of decency!!!
|
| 04/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a XXXX XXXX. I then received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.
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| 09/22/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I bought a cell phone at XXXX from a XXXX kiosk over 7 years ago. I returned the phone to XXXX before 30 days. XXXX claims I never returned the phone, but I did, I had a receipt for the returned phone. They sent my account to collections, I called them, sent them a copy of the return, but they still refused to credit me and said, '' they couldn't take the account out of collections. '' This account has been sold to several different collection agencies over the years, and I've called every single one of them explaining I returned the product, but they insist I pay {$470.00}.
Because the accounts been transferred so many times, it looks like my debt is only 2 years old. If I kept the phone I'd have paid for it, the XXXX manager at the time was aware of the return, I even sent them a statement from him saying he accepted the return.
According to XXXX, they never authorized the return, but the return was made at the XXXX kiosk where it was purchased, then I was directed to the XXXX return desk to complete the transaction. It was paid for on my XXXX XXXX at the time, I closed that account because I closed XXXX XXXX. I'd appreciate this bogus collection which has plagued my credit creating a false low & constant derogatory blemish on my credit report.
|
| 08/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My claim concerns Jefferson Capital Systems ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA.
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate days later, with no proof whatsoever, no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the Fair Debt Collection Practices Act.
Jefferson Capital Systems has violated my rights in this regard, and I wish for this agency to intervene and mediate this matter, make this complaint public so that others may learn from it and so that it becomes part of the public record against Jefferson Capital Systems violation of consumer rights.
I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate ( date and time ) without the requested information.
Also, since I dispute this as not mine, I ask that this agency mediate the matter of mandating an investigation and removal of this error collection, so far as it is able under the law.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To Whom It May Concern : XXXX XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX RE : Jefferson Capital System I have sent numerous letters to the credit bureaus advising them I do not have a contract with Jefferson Capital System, and I have asked them repeatedly to produce a contract with this collection agency showing I owe this debt to them, but to date, they have not produced a contract.
On XXXX, XX/XX/, I was contacted by an agent from Jefferson Capital System stating they are a debt collecting agency and I owe them for a contract I had with XXXX XXXX.
I advised the caller I did not owe Jefferson Capital System anything as they had not produced the contract for services rendered.
On XXXX, XX/XX/, I received an alert from my credit reporting subscription where Jefferson Capital System increased the amount of the collection.
I believe this updated report was done with malicious intent causing my credit score to be lowered.
I have filed a complaint with the XXXX XXXX XXXX to report their malicious and unethical practices.
I am not liable for this debt with Jefferson Captial System as I do not have a contract with them as they have not provided me with the original contract as I requested.
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
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| 05/16/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act
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| 02/20/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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There is a new company, Jefferson Capital Systems called tried to collect a debt. this company reported the debt collection to XXXX for the third time. The original company is XXXX. XXXX has also reported the debt collection and has My credit score has been affected several times for the same debt. The last time was this month, XX/XX/2023. I do not think that the companies have the right to affect several times for the same debt. Now, Jefferson Capital Systems has reported as new debt starting 2023. I think that they are trying to force to pay. The original debt was created because XXXX was charging for services that I did not request. I had to spend hours on the phone to clear those charges. I got sick and had to cancel the services. Once, I canceled the services, XXXX was not able to charge for services not requested like Music subscription. In fact, I am about to file a law suite against XXXX. At this point, I want to stop the same debt being reported several times to my credit report.
I have documentations for the communications in writing asking XXXX to stop charges for services not being requested. I can show that my credit report has the same debt more than 3 times in different periods, reducing my credit score multiple times.
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| 11/17/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXXXXXX XXXX XXXXXXXX. I highly suspect my personal information was stolen by my XXXX XXXX The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and XXXX brother ( who also has a ruined XXXX XXXX because of XXXX XXXX committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My XXXX XXXX XXXX name is XXXX XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
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| 08/23/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Attention : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Via Hand Delivery On or about XX/XX/XXXX, I received notification from my Attorney that there was an item on my Credit Report that is not valid.
On XX/XX/XXXX I contacted the Creditor JEFFERSON CAPITAL SYSTEMS and discussed this matter.
During the conversation ( AUDIO RECORDING ATTACHED ) THIS IS THE ACTUAL CALL https : XXXX? XXXX & XXXX As you will notice, the company stated that 1. They Acknowledged that NO DEMAND LETTER WAS SENT TO MY ADDRESS 2. They Violated the FCRA by reporting a disputed illegal purchased debt against my credit profile, based on the fact that I was never notified of the claim.
Their internal account number data is : DEBT DESCRIPTION : XXXX XXXX ACCOUNT : XXXX CURRENT CREDITOR ( XXXX PURCHASE OF XXXX ACCOUNT ) JEFFERSON CAPITAL SYSTEMS LLC XXXX REFERENCE : XXXX AMOUNT OF THE DEBT : XXXX XXXX This is being submitted to the CFPB prior to the Filing of Federal Litigation.
I ask that you compel this company to follow the law and LISTEN to the ACTUAL CALL.
We have the actual transcript of the call.
This is the actual PODCAST of this ILLEGAL EVENT THAT HAS BEEN SYNDICATED Regards XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX
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| 07/04/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I got my cell phone connection with XXXX ( Account # XXXX ) in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 4 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through XXXX, XXXX and XXXX but XXXX keeps changing debt collector agencies ( most recent one being Jefferson.
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| 09/11/2023 |
No |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter from debt collector Jefferson Capital on XX/XX/23 requesting {$8200.00}. I have no knowledge of doing business with Jefferson Capital, so I mailed the CFPB debt validation letter certified on XX/XX/23. On XX/XX/23, I received a response from Jefferson Capital dated XX/XX/23. The information sent to me was unresponsive to my demands. I requested proof that I owe money to Jefferson Capital. The verification wasnt proof I owed them. In fact, Jefferson Capital isnt listed on any of the papers sent to me! The verification doesnt even address the amount Jefferson Capital is asking that I pay, proof that I am even obligated to pay the alleged debt, or evidence that Jefferson Capital owns the debt. The letter also stated Jefferson Capital was not reporting this account to any credit reporting agencies ; however, on XX/XX/23 ( the same day I received the letter ), I was notified by 3 credit reporting agencies, XXXX, XXXX, and XXXX, that this unvalidated debt was added to my credit report as a collection. I asked Jefferson Capital for straightforward items, and they refused to give them to me while continuing collection activities. I am applauded by the blatant disregard for the law. Especially 1006.38 ( d ) ( 2 ) ( I ).
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| 09/10/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Jefferson Capital is a debt purchaser. Initially they had two amounts reporting as delinquent on my credit report from XXXX: $XXXX and $XXXX for the same date. I filed an official dispute; the results said the debt was verified as accurate but that is incorrect. I contacted Jefferson and spoke to XXXX—op #XXXX. She said the $XXXX would automatically be removed but I had to speak to a second operator for the other amount. I spoke to XXXX—op #XXXX. She referred me to Supervisor XXXX XXXX who said the other charge would be removed and updated on my credit report within 30 days. I told him the erroneous charge had prevented me from obtaining a mortgage to purchase a home and I wanted it in writing that the fake debt was removed. I just got an update on my report. Instead of the bogus debt being removed, another late payment has been falsely reported. I was on a payment assistant program through XXXX XXXX for XXXX. The account was reconciled every quarter and I was notified of my portion still owing. I paid the bill and even included a screenshot of my bank account substantiating the payment had been made. I did inform Mr XXXX that I would report the fraudulent charges to the Attorney General if they weren’t promptly removed.
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| 06/27/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To XXXX XXXX XXXX XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
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| 04/26/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2021, I was reviewing my credit report and to my surprise I noticed Jefferson Capital Systems , LLC reporting a charge- off account on my credit file in the amount of {$2500.00}. So, I wrote the debt collector Jefferson Capital Systems , LLC a letter asking this company to validate the debt they are saying I owe their company on my behalf. The collector failed to validate the debt under 15 U.S. Code 1692 ( g ) Section 809 ( b ).
The collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
The Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above -alleged account. The Collector failed to provide an affidavit signed under XXXX XXXX XXXX that Collector or any agent ( XXXX ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
Jefferson Capital Systems has been harassing me, committing mail fraud and identity theft for using my identifying information on behalf of this alleged debt.
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| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had an account with XXXX, which went overdue and they sent the debt out to a collection agency. This agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX contacted me on XX/XX/XXXX. I paid them the amount of XXXX via single-entry ACH debit on that same date, XX/XX/XXXX. I received and still have the receipt for this payment. Since that time, 5 years ago, several other agencies have sent letters and contacted me in an attempt to collect this same debt from XXXX. When told I had already paid, and upon seeing proof, they would suggest I call XXXX and stated XXXX needed to take it off their records so the debt would not continue to be reported and sold to other collection agencies. I have repeatedly contacted XXXX to no avail. I just received a notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which stated the debt was so old I could not be sued for it nor could it be reported to any credit agency, but they offered 2 options to resolve the amount of the debt ( which had been paid in XXXX ). I am beyond frustrated and confused how this single debt from XXXX could last this many years, being sent to different collection agencies, especially considering it has been paid. I would like this matter resolved immediately.
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| 04/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX {$910.00} There is no valid claim, no contracts exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ).
Grave errorfalse claim and reportingI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
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| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois.
Your immediate response will be greatly appreciated.
XXXX XXXX XXXX
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| 11/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX, XXXX XXXX I have contacted both companies and told them these are not my accounts I never opened them, never received goods for the collections they are reporting, I have asked for proof numerous times. I have disputed this for a few Years. Someone opened these accounts and received goods and Im being penalized for it. XXXX says I opened the account in XX/XX/2017 it shows an address of a P.O. Box in XXXX Louisiana, I was living in XXXX XXXX la with my ex husband bc he worked for XXXX in XXXX XXXX. XXXX XXXX I have no Idea where that came from bc I never opened it I have disputed this through XXXX XXXX, XXXX, and XXXX and nothing. I can print copies of all disputes. The amounts change with every dispute so it says XXXX XXXX , XXXX , now today XXXX . XXXX XXXX says XXXX $ past due XXXX $ credit limit both companies say account confirmed and bump the dates of opening the accounts up and then the dates to fall off are now increased by 2 more years. I dont know what else to do they wont send proof I opened nor who opened it. They keep transferring companies and just keep reporting bad marks on my credit report. Its not fair bc it isnt mine. I work so hard trying to build my credit and this is tearing it down.
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| 07/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I disputed this Jefferson capital system account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
Jefferson capital failed to validate this account. This account need to be removed immediately. Jefferson capital system is violating the laws.
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| 07/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a letter last year stating that a card was opened in my name and there was a {$280.00} balance. I knew this wasn't mine and wrote a letter requesting a list of charges. All of the activity was in Arizona. I do not live in Arizona and I have never been there. During this same time, another account opened in my name as a result of fraud, fortunately I was able to successfully dispute it.
Looking into the account, I realized that I was not contacted until almost a year after it was opened. I contacted the debt collector and did not get far with them. During the phone call they could not identify me. They asked or my current and past addresses, as well as my phone number. No of my addresses matched what they had on file and they stated they were unable to help me because they could not verify my identity.
A couple of weeks ago I tried to dispute using XXXX and they disagreed.
I received a letter with an offer of paying {$160.00}, which is not a lot. However, I do not wish to pay and they consider the payment is me admitting that this is my debt. I have exceptional payment history for my other accounts and this makes my account look bad because its a collection and shows up as multiple late payments.
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| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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In XXXX of XXXX to go ontrip to XXXX, went to XXXX office to check if needed updates to my phone, they said I was all set, flying into XXXX XXXX I lost phone service for the entire trip. Returning home, I contacted them to complain about the matter, eventually I did talk to someone who claimed to be mgr of local office. He explained that I had been misinformed and they needed better training and he was sorry. I then cancelled my contract but they said I would still owe money, which I made clear I would not pay. they kept billing with added charges, I told them to sue instead they turned it over to collection agencies, eventually this Jefferson XXXX filed a claim of non payment which XXXX logged. For the years since I never heard anything back, maintaining an impeccable credit rating up to XXXX A couple of months ago purchased a new vehicle for my wife and things blew up with XXXX reporting to my credit union serious issue re : credit rating, damaging rating down to low 700s fortunately my dealer agreed to match original payments offer. XXXX has been less than helpful saying they are neutral while promoting new credit card offers to me constantly, strange dont you think? Please help me deal with this bogus event.
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| 06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
|
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Hello, I received a letter from Jefferson Capital stating I owed {$340.00} from XXXX XXXX. I was very suspicious as I only used XXXX once, not for that amount or near it.
I contacted chat support and they confirmed that this was not mine, I had no debt and that they do not even use this company. I am not sure if the company is at fault ( Jefferson Capital ) because there was no way to get in touch with them other than postal mail, and that is not easily tracked, and their phone system was not working ( my account number was not working ) though when I did put my account number ( from them ) in their system online, it did show up with my personal information! That being said, I could not contact them that way either - only to pay the alleged bill.
So, I have proof ( screenshot ) that I do not have a debt nor ever did with XXXX.
This is identity theft and I need it addressed and not to be on my credit.
Date of letter XX/XX/XXXX though I received it on XX/XX/XXXX Amount : XXXX Debt Description : XXXX XXXX XXXX confirmed this is not mine at all* They gave me the option to dispute but I can only use postal mail or phone, both of which are impossible for me to properly track in a timely manner.
Help!
XXXX XXXX
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| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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InXX/XX/XXXX, I began to clean up credit report. XXXX was disputed as paid though XXXX ( XXXX XXXX XXXX, XXXX XXXX NJ, XXXX/ ( XXXX ) XXXX ) and removed inXX/XX/XXXX. ( see attachment ) About two weeks later, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX -- ( XXXX ) XXXX ) added an account for XXXX in the amount of {$900.00} to my credit report. On XX/XX/XXXX, I called XXXX and told them of this pay agreement and asked for it to be removed and sent a copy though U.S. mail. Also called XXXX headquarters number ( XXXX ) sent to ext. XXXX She said that they showed no agreement with XXXX. first puzzle if they showed no agreement then why was debt minus {$730.00} and disputed overbilled amounts from original billing. I called XXXX and they said paperwork was sent to XXXX on XX/XX/XXXX when agreement was paid in full. returned call to XXXX to let know of this and begins run-around. on XX/XX/XXXX, called XXXX to verify receiving agreement and again received run around. XXXX told me that day that XXXX repeat of sending over contract confirmation would go though recovery and to call ( XXXX ) XXXX thyis is a computer and I am not allow into it because I do n't know old phone number from XX/XX/XXXX. HELP, PLEASE
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| 11/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by JEFFERSON CAPITAL SYSTEMS for XXXX in the amount of {$540.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
|
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The collection charge happen in XXXX. ( details below ) What I need help with : In XXXX I sent out a goodwill letter. The collection was removed.
I was expected into a housing program.
The collection agency put the XXXX back on just using a more recent date.
Ive been rejected for housing over and over. Because of this It drops my credit score .Im losing out on housing. Please help I have until XX/XX/XXXX. To find a place.
What happed In XXXX My daughters and I were new to Cell phones. They were watching movies. ( We didnt even have cable ) I called XXXX I was set up on a payment plan. I was living on SSI/child support.
I thought I was making the monthly payments. Before I knew it all our phone were shut off. I was charged an early termination on 3 phones.I didnt understand what happened.
I asked for a copy of my bills.
We were in the process of moving at the time.Our new apartment fell through. I was living out of my car for 3 months. It was a year later XXXX had sent it collection no one could help me.XXXX I figured out what happen. I was making monthly payments not bi weekly payments. With all the payments my bill is paid off. The rest is all cancellations fees. 3 phone were canceled.
Thanks XXXX
|
| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 03/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX XXXX XXXX Val {$620.00} XXXX XXXX - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING.
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
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| 12/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Im really worried that XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. Jefferson Capital System LLC has committed infringement upon my consumers right to privacy.
I, XXXX XXXX XXXX never granted consent to Jefferson Capital System LLC to contact me. Jefferson Capital System has/ or purchased my private information without my consent. I never contracted with Jefferson Capital System LLC. Jefferson Capital is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting.
Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand Jefferson Capital System LLC to validate this alleged debt.
If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports.
At this time I also asked for Jefferson Capital to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
|
| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XX/XX/XXXX I transferred my cell phone services from XXXX to XXXX XXXX. To do so there had to be existing debt owed on current service of which I had none.
Subsequently I have received numerous collection notices appear on my credit report and of which all were resolved and withdrawn, The latest being as early as XXXX of which it was withdrawn.
Now, on XX/XX/XXXX I received a new collection notice from a new agency called JEFFERSON CAPITAL, LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone number XXXX. Debt description : XXXX. ACCOUNT # : : XXXX ; JCS REFERENCE # : XXXX AND AMOUNT OF DEBT : XXXX.
I disputed the debt through the company on or about XX/XX/XXXX and received a response back mail dated XX/XX/XXXX that I stated more information was need and I responded by phone and was told that I needed to obtained documents from XXXX. In addition to the correspondence of XX/XX/XXXX then received another correspondence dated XX/XX/XXXX that stated that I had 30 days to prove the debt was not mine.
I went to the XXXX Corporate store and was unable to obtain any records to validate my dispute, The store manager then contacted the XXXX management and I we were unable to obtained any records of existing debt.
|
| 06/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2020 I filed a complaint with CFPB, due to Jefferson Capital Systems ( " JCS '' ) trying to collect a debt not owed. After 3 notices of dispute, and during 4 months after disputing the unrecognized debt " JCS '' never provided proper validation, and never provided any evidence to prove, any binding liability, after never providing any proper validation as FTC Attorney XXXX describes in his opinion " JCS '' was obligated to remove the account from my credit report not later, than 30 days according to the FCRA and FDCPA, and keeps violating the law by not removing the account reported as XXXX XXXX, that " JCS '' clearly claims ownership, and to be the Current Creditor, as he has been doing for the last year.
In addition to that " JCS '', from the moment the consumer notified formally the dispute of the account had to place a note on the account about the dispute no later than 30 days as per the two Acts referred above mandate. The evidence provided shows 4 months showing no dispute.
Jefferson Capital Systems has continuously been violating the FCRA, and the FDCPA. Attached you will find the detail, and evidence, to prove the multiple times that JCS violated the law, and keeps violating the law.
|
| 03/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed at the end of last year that I had a series of false debts on my credit report, that collection agencies are attempting to collect from me. These debts all occurred around the same period of time. The 3 companies are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX.
I was able to call XXXX and ask them specifically what info was in the account and I ended up finding out that my older sister had used my name SSN and DOB to get cable at her apartment. They said If I were to file a police report and give proof of report they would remove debt. I filed a police report and before turning it over to them I noticed they were nice enough to have already removed it. # SOLVED The XXXX XXXX was previously a XXXX bill apparently. My sister or also is the culprit for this as well. I've never had a phone in my name by XXXX. I attempted to dispute with this XXXX XXXX XXXX through XXXX and XXXX, letting them know of the situation with XXXX and stating that I have been a victim of identity fraud by my sister. They didnt even attempt to contact me or look into anything. # UNSOLVED I'm tired of them trying to get me to pay for this when someone took my personal info and breached my personal information. I feel violated.
|
| 02/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX reported a debt in my name of {$1100.00} to XXXX XXXX XXXX on XX/XX/2017 claiming I had defaulted on a 2 year contract and not paid the first months bill, causing an account disconnection. Contacted XXXX to advise them that i have never had phone service with them. The claimed the debt was valid. When i asked for a copy of the contract that I had supposedly agreed to I was informed that there was no contract and that it was an in store sale. They advised me to contact the local authorities to file a police report for identity theft. The local police would not be able to file anything as there is no paperwork, no phone number, no date when the service was opened, no account number that XXXX would provide. The reason they could not provide it was that I wasn't able to verify any of the information, obviously because I had not opened the account. The only information that I was able to get was that it was sold in a store in Missouri. I live in Virginia, have no relatives or friends in Missouri, and gave no one in Missouri permission to open a phone in my name. Disputed the issue with the XXXX XXXX, and XXXX who all came back and claimed the debt was valid. All agencies claim it meets FCRA requirements.
|
| 11/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Jefferson Capital Systems LLC, Garnished my wages due to Identity fraud account opened in my name, reference to Complaint CFPB # XXXX. On XX/XX/XXXX, Jefferson Capital responded with release of Garnishment & ref # XXXX no further collections & the account under XXXX XXXX would be closed. Jefferson Capital Systems Garnished my paycheck, taking more than {$2100.00}, without advising me of a refund. I am requesting an immediate refund. Jefferson Capital, Garnished my paycheck put me in a Hardship. I have over {$3500.00} in outstanding fees due to Jefferson Capital Garnishment ignoring the fact that myself & the three Credit Bureaus, XXXX, XXXX XXXX XXXX sent them the Identity Fraud packet. Jefferson Capital mentioned where they removed the Tradeline from all three Credit Bureaus in XX/XX/XXXX, however still Garnished my wages. I am demanding all monies Garnished & the Hardship that caused me to receive additional fees from where I live totaling {$3500.00}. This has cause me mental anguish, XXXX & so much frustration due to Jefferson Capital Systems , LLC, greed. Please return all monies Garnished within 3 business days. I have received an eviction letter from my residence regarding this horrible issue.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have tried rebuilding my credit so I pulled a credit report for all 3 major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called Jefferson Capital that this account was sold to collect this debt in the amount of $ XXXX I called Jefferson Capital they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against JEFFERSON CAPITAL SYSTEM for committing identity theft. I have never given JEFFERSON CAPITAL SYSTEM any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JEFFERSON CAPITAL SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and JEFFERSON CAPITAL SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and JEFFERSON CAPITAL SYSTEM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
|
| 11/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEMS LLC is communicating with me ( a consumer ) in connection with collection of an alleged debt that I do not owe. They do not have my consent to communicate with me. JEFFERSON CAPITAL SYSTEMS LLC has my personal private information without my consent. This is identity theft. They are a third party debt collector who purchased this alleged debt from XXXX XXXX XXXX. No consent from me to communicate with me is a violation of the Fair Debt Collection Practices Act. They are reporting inaccurate, incomplete, negative and damaging collection information to my consumer report with XXXX, XXXX, and XXXX.
Pursuant to 15 USC 1692c, I am notifying JEFFERSON CAPITAL SYSTEMS LLC that I refuse to pay the alleged debt and I wish for them to cease further communication with me which included reporting information to my consumer report. The only communication allowed aside from what 15 USC 1692c ( c ) allows is a copy of the AGGRAVATED VALUE OF PURCHASE which will show how much they purchased this alleged debt for as they are extorting me for payment in the amount of {$10000.00}. If they did not purchase this alleged debt for {$10000.00} then they are sharing false & misleading information.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported XXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.
Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt.
Failure to remove these accounts immediately will result in a {$1000.00} fine.
Note that a copy will also be sent to FCRA.
|
| 06/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Please see complaint filed XX/XX/21 - XXXX Submitted complaint XX/XX/21 for debt collection contacting/sharing someones information improperly. Company wrongfully wage garnished my stepmother at her employer after obtaining her social security number. Company refused to email me back or find my file via phone call. I contacted the attorney generals office because to be quite honest this has been a nightmare - they sent me the findings with the companys case notes which clearly show the my stepmothers social security number with my name and mismatch information. They wrongly wage garnished a person and clearly did not do their due diligence to ensure correct information. - Follow up below on why I am contacting you yet again on this issue : Jefferson Capital stated in the companys response Please be advised that Jefferson Capital does not have any personal information belonging to your step mother, Ms. XXXX XXXX.
After reviewing the companies case notes obtained from the attorney generals office- file number ( please contact me ) on XX/XX/21 Jefferson Capital already began to use my stepmothers social security number, showing they clearly obtained XXXX XXXX XXXX stepmothers ) personal information.
|
| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
XX/XX/XXXX - Received a collection notice from Jefferson Capital for XXXX XXXX debt in the amount of {$1400.00}.
XX/XX/XXXX - Responded via a letter sent Certified Return Receipt through US Postal Service.
Requested amount of alleged debt including an explanation of any interest charges and additional fees ; full name and mailing address of the original creditor ; documentation showing Jefferson Capital verified I am responsible for this debt or copy of the judgment ; names of all persons and entities that have purchased said debt ; and documentation showing they are licensed to collect debts in California.
Also notified Jefferson Capital since I responded in writing within 30 days of being notified about said debt, they must cease attempts to collect said debt until AFTER they have provided the requested information. Continued efforts to collect said debt without first providing written verification is in violation of the Fair Debt Collection Practices Act.
XX/XX/XXXX - Received notification of Payment Offers outlining ( 3 ) payment plans. The notification states offers to expire on XX/XX/XXXX. As of XX/XX/XXXX, NO INFORMATION has been received by me as requested through certified mail.
|
| 04/06/2022 |
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
|
|
Web |
|
|
On XX/XX/22. I sent a letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report.
On XX/XX/22. I sent a credited letter again to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report.
Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report.
In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.
|
| 07/19/2020 |
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
|
|
Web |
|
|
On XX/XX/XXXX an agreement was reached with Jefferson Capital to settle a debt, for a XXXX account. They promised if i paid the amount agreed of {$160.00}, they would remove the XXXX account from my credit. In the course of a year, I contacted them several times and everytime they would say to send the credit companies the satisfactory letter except I would wait months and no letter. I kept contacting the credit agency and they kept referring me back to Jefferson Capital. This back and forth went on for a while.
I recently contacted Jefferson Capital in XXXX of XXXX upset and got them to agree to send me the satisfactory letter electronically since a whole year had gone by and I never received it by mail. I sent it to all 3 credit agency as instructed but they still would not remove the XXXX account.
I called back Jefferson Capital back and now they told me to send the letter to XXXX. For a whole year I have been bounced back and forth!
Jefferson Capital were the ones who promised to remove the XXXX account from my credit report.
I am requesting that they please honor their agreement and remove that account as they promised from my credit. I kept my end of the agreement and paid them.
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2016 verizon sold me faulty phones and the service was not working we returned the items and proceeded to cancel and in doing so they had agreed to let us out of our contract but instead put us into collections illegally. They then sold that debt to jefferson capitol who reset the clock on the time the debt had been occurred forwarding the clock a whole year. Because we returned the product and canceled within the 30 day period we dont owe XXXX and they charged us a {$300.00} cancelation fee which is illegal breaking a contract, somehow XXXX is now {$600.00} not sure how thats possible but this fraud and anyways they could not fulfill the contract because they didnt service our area and the phones didnt work because they couldnt provide service when we put our sim card in it said no service. I do not owe any debt to jefferson capitol and they have refused to provide any information proving this debt is even valid, dates, amount ect even after sending them a request for validation.
Regardless the statue of limitation is 4 years in florida to remain on a credit report which transunion and other credit reporting agencies are in violation of because they refuse to remove this zombie debt.
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
My mom recently found out that there was a debt that was owed to XXXX in the amount of {$280.00} which was due to Identity Theft. This information was found out after a credit check was done through XXXX XXXX XXXX XXXX in XXXX, Michigan. My XXXX mother had been on the waiting list for 2 years. Now, due to identity theft, Jefferson Capital system is holding her up from getting into the apartment that she has been waiting on. Jefferson Capital system was called and told that we contact the Federal Trade Commission to file an identity theft report. Because the amount that was due on the XXXX was not my mom 's. My mom was not in Michigan during the time that these changes were made. Jefferson Capital systems were asked to send a letter to XXXX XXXX XXXX, stating that they are aware that the charges that were made to XXXX were due to Identity and that the charges will be deleted. Per XXXX at Jefferson Capital system states that the XXXX charges would be deleted from all three credit bureaus week. Unfortunately, Jefferson Capital system refused to send a letter, which is causing my mom to go back on the waiting list until something else is available. Which could be a long holdup for my mother.
|
| 07/21/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been attempting to dispute an unverified account on all 3 of my Credit reports during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX XXXX and XXXX on dates XXXX XXXX and XX/XX/2020 to Jefferson Capital Systems LLC as well as the original creditor which is XXXXXXXX XXXX. The only response from the XXXX XXXX was an invoice sent on XX/XX/2020. They have been unable to provide me with original contract bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from Jefferson Capital Systems LLC it has been brought to my attention this debt has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have bran violated by Jefferson Capital Systems LLC regarding this account. I have submitted this complaint in attempt to have this debt removed from all 3 credit bureaus.
|
| 05/03/2018 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX Account # XXXX Im filing a complaint because this is not a valid debt and it shouldnt be in collection. This bill is stemming from a disagreement over an early termination fee. I was told in person by a representative that they had to put me in a contract for a promotion to take effect but that it would not have an early termination fee. They went over that two times to my face in person. I did not read the fine print because I completely trusted the representative. I cant help but feel completely duped here since I was misled by one of their Customer Support.
I am in a very difficult situation now, being the only provider for the family. I have to work hard and provide everything for them. I have a sick mother to take care of and I need to buy a home that can accommodate her medical need and one that is in closer proximity to the treatment center she visits weekly. This collection account on my credit report is the only thing that is preventing me from moving forward on this. Its beyond frustrating.
I would sincerely appreciate if they would submit a request to remove this account from my credit history.
|
| 08/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I started this journey at the beginning of the year when I checked my credit and noticed an account from Jefferson Capital account number XXXX for {$580.00}. I originally contacted the credit bureaus to dispute the account due to the account not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listing as its suppose to be reporting 100 % accurately and asked for proof of verification received from Jefferson Capital and did not receive anything but a generic response with no proof. Afterwards I contacted Jefferson Capital directly on XX/XX/2019 via certified mail USPS # XXXX delivered on XX/XX/2019 at XXXX XXXX and asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract and I never received a response and its still reporting on my credit which it shouldn't because no one seems to have the proper documentation and accounting so this should be removed as I am not responsible for this debt. I never received validation of the account nor any notice/statement from them stating they are trying to collect on an alleged debt.
|
| 03/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX 's policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX allowed XXXX to change information on my credit report without my knowledge or consent.
I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.
|
| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt was submitted to Jefferson Capital System. I did not have an agreement with this collection agency. I sent a letter of verification to validate this debt on XX/XX/2022. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of XXXX distress and at the other diminishments of the quality of my life.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 01/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Jefferson Capital Systems is reporting to the credit bureaus inaccurate information from a debt they purchased from my original creditor. They are showing XXXX different amounts on my credit, XXXX for XXXX and the other for XXXX. I have reached out via mail requesting proof of debt owed without a response in return. They also have an address on file where I never lived in the state of Georgia. They have illegally reaged the debt stating that it was opened in XX/XX/XXXX when the account went into collections in summer of XXXX with the original creditor. They also have my loan term reported as 1 month which is incorrect and are reporting late payments to my credit as if the account is open and even that isnt consistent. They skip over a few months instead of consistently reporting, and they shouldnt be reporting a closed account as open. I have disputed many times with XXXX and have been unsuccessful with no valid proof of the debt owed obtained from this debt buyer that can even legally collect on my debt. Also this debt is from the state of TX and according to TX law statue of limitations on a debt is 4 years in TX. This debt has reached its limitation per where it originated.
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last year a debt collection agency named " XXXX '' attempted to collect a non-existent debt owed to XXXX in excess of {$5000.00}. They had mailed several notices that I had discarded since I know the debt isn't owed and validated this with XXXX themselves. No credit line was ever opened with them. I had requested debt validation and to cease contact. I received a letter from them stating that they will no longer communicate and the account had been closed. Today I receive a letter from a company named " Jefferson Capital '' which I believe is associated with XXXX from some brief research. They are attempting to collect a non-existent debt owed to XXXX for {$7400.00}. Once again, validated with XXXX that this does not exist and is not owed.
At this point, an investigation should be made to XXXX XXXX and Jefferson Capital Systems LLC for this behavior. XXXX lied ( Violation 1 ) about the account being closing and instead chose to forward it to JCap. JCap has not printed information on what to do if I believe the debt is not owed on the letter, so that's violation 2. Continuing to contact me about this non-existent debt after request to cease contact is potentially violation 3.
|
| 04/07/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. Jefferson Capital Systems # XXXX 4. XXXX XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Jefferson Capital Systems has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Jefferson Capital Systems continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The credit bureaus refused to provide you their MOV ( Method of Verification ) for ( JEFFERSON CAPITAL SYSTEMS ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account XXXX EVEN OFFERED ME CELL PHONE SERVICE IN XX/XX/2022. IF I OWED THEM MONEY WHY WOULD I BE ELIGIBLE.
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| 05/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have begin to look into my credit as because I am at the age where I need to focus on my foundation, so I see things on there I have never had or thought I could have because of my credit, there is a depth collection company that I can't get intouch with because when u call their line it gose right to voicemail, the one time I did get an answer the guy was like, '' what are you calling me for. '' I have called XXXX and the customer service rep was like The account has been sold what do you wants us the account has been sold so you mean to tell me you cant tell me anything about this account in which I owe a bill for and they are the only one that has any record of such cause in 2016 of XXXX the XXXX I was released from XXXX went to stay in XXXX GA, got a phn from XXXX XXXX XXXX, then from there boost mobile and have been with that company for going on 4 years. So how do I get. Somewhere with this, I have rights and I know that somthing can be done, I don't have anything to give to anyone I have not had A service from. I have disputed the debt 8 times, they take it off put it right back, something about the regulation, and pretty much I am responsible but there is no way.
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| 03/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!
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| 04/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Jefferson Capital has illegally reported XXXX collection accounts to my personal credit reports. According to their own words, The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems ) can not sue you for it and we will not report it to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. I live in the state of Pennsylvania where the statute of limitations is 4 years. According to their own statement these unverified and unsubstantiated debts are already over this statute.
I request that Jefferson Capital verify all of the following information Full original account number Date original account was opened Any written agreements between myself and the original creditor stating the amount owed Full account summary and itemized calculation the debt owed Date of first delinquency with original creditor Dates and times of any contact with myself trying to actually verify the debt.
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| 01/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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OnXX/XX/XXXX I received a copy of my credit report. On that report was a collections from XXXX XXXX XXXX XXXX XXXX. I notified XXXX I was never given written notice to dispute this debut. On XXXX I wrote a letter asking for XXXX XXXX XXXX to supply me with the following information : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent I was not mailed the required information for validation of this debut per my request. This company isnt authorized to collect in my state. This company has violated my federal rights on several occasions and isnt above the law.
XXXX is reporting this as verified, but hasnt sent me the information used to validate this debut. This debut isnt mine. Its been over 30 days without validation.
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| 04/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution.
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 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
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| 08/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Jeffersons Capital Systems garnished my payment without any notice or a heads up before the process continues. I personally wanted to settle the debt but they knowingly sent the court papers to the wrong address. I specifically said KNOWINGLY because they came to serve me at my current address, the previous address is not my residence. On XX/XX/XXXX I started noticing that my paycheck was being garnished without any knowledge or notice, so i called Jeffersons capital system and wanted to settle the debt. On XX/XX/XXXX we agreed that if i pay and make half of the payment they would initially stop the garnishment, its XX/XX/XXXX now and my wages is still being garnished. I've called and i gave them my work fax number for them to send the judgement to stop the garnishment. They have not done so. XXXX the manager there and XXXX as well lied and say that they would try to fax it as soon as possible but my job still has not received any mail or fax regarding this matter. I have satisfy the amount owed and more but they have not send my job the final judgement yet. I cant pay my bills, my son needs school clothes and materials to start the year. I don't have any funds left.
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| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2019, I tried to re-open a XXXX XXXX account because I was not happy with XXXX XXXX XXXX XXXX. When I tried, XXXX XXXX told me that I had a {$890.00} balance/debt to pay before I can re-open a XXXX XXXX account XXXX
I made the payments in ( 3 ) three separate transactions because I did not have the full {$890.00} available in my bank account.
After the transaction, the {$890.00} was successfully paid AND I was able to re-open my XXXX XXXX account, which is still my current cell phone service provider.
XXXX still sold the account totaling exactly what I already paid, {$890.00} to Jefferson Capital Systems LLC and it showed on my credit report in Collections, which destroyed my credit.
I have proof, ( 3 ) separate emails from XXXX XXXX emailing me of the successful payments totaling {$890.00} on XX/XX/2019.
I have also contacted XXXX XXXX numerous times to get some assistance in removing the collections entirely because it is FALSE. Every time I called, the representative would " make note '' and have their supervisor or a representative from a different department call me the following business day. I NEVER received a phone call in response to my claim.
|
| 11/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a debt collection letter via mail from Jefferson Capital Systems , LLC on XX/XX/2019 claiming that I owe {$400.00} from XXXX XXXX XXXX. I responded to Jefferson Capital Systems , LLC on XX/XX/2019 disputing the debt and requesting proper validation, such as the original instrument of indebtedness. Tracking via USPS certified mail confirms that Jefferson Capital Systems , LLC received my letter requesting validation on XX/XX/2019 at XXXX XXXX, but Jefferson Capital Systems , LLC did not respond. I sent Jefferson Capital Systems , LLC a follow up letter on XX/XX/2019 with USPS certified mail tracking in regards to not responding to my validation letter, as well as an FDCPA reminder for false reporting. Jefferson Capital Systems , LLC failed to respond. I sent another letter to Jefferson Capital Systems , LLC on XX/XX/2019 in regards to not responding nor sending me proper validation of this debt. Furthermore, I am requesting that ALL information pertaining to Jefferson Capital Systems , LLC and XXXX XXXX XXXXXXXX be removed from ALL credit reporting agencies. I have maintained all proper records and documentation, which has been included in this complaint.
|
| 01/20/2021 |
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
- Their investigation did not fix an error on your report
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Web |
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****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear XXXX / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it.
Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
|
Again, Your statement provided totally goes against the Consumer Law. I also have spoken with Jefferson Capital Systems and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from Jefferson Capital Systems LLC in regards to my account. I am requesting from XXXX the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( XXXX ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to JEFFERSON CAPITAL SYSTEMS LLC WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH JCS. I have spoken with them several times and they can not provide me with any information. Thank you.
|
| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In 2011, I first noticed that a XXXX XXXX bill appeared on my credit report when I attempted to purchase my first vehicle. According to my credit report at the time, someone by the name of XXXX XXXX, who resided in XXXX, California at the time, had used my Social Security number as a cosigner for her to get a XXXX phone. This charge had fallen off of my credit report in XXXX timeframe, however, when my husband and I recently wanted to look into buying our first home, the credit repair company we worked with pulled what they called a deep dive report that they claimed will pull anything lingering on our report, even if it has fallen off. It was at that time that the XXXX XXXX bill came back onto my credit report as if it was a brand new collection account. Considering how long I have been disputing this account and have proved that it is not mine over and over again and XXXX and the creditors continue to sell the debt and ruined my credit is unacceptable. I need someone to intervene and get them to stop. It is {$700.00} of debt that is not mine, and I refuse to pay for someone elses debt, and they should be going after the person who owns the account, not me.
|
| 08/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt claimed by Jefferson Capital System be physically verified and that I receive a copy of any and all signed consumer I have on numerous occasions ask for verification on this account that is showing on my credit report for contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$650.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.
|
| 04/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.
|
| 08/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I was contacted in I believe XX/XX/XXXX from XXXX XXXX or I may have noticed it on my credit report, I promptly contacted XXXX and had to fill out a Fraud Packet and file a police report. This was removed from my credit. The account was opened in XXXX Florida and they would not even tell me the type of credit it was I assume cable or wireless due to it being XXXX. Fast forward to XX/XX/XXXX and I am then contacted by a credit agency and once again dispute the validity of the debt. It was once again removed from credit. I wake up this Sunday morning and once again it has been added to my credit from a new credit agency. Not only are they reporting this account but have the account as being opened in XX/XX/XXXX when in fact I called and spoke with a customer Service rep at XXXX XXXX they told me it was the same XX/XX/XXXX account. How many times can this be sold out of different companies to ruin my credit? I have credit protection and fraud alerts everywhere and it doesn't seem to matter. And this last agency never even contacted me prior to adding this to my report and specifically in the disclaimer told me they would sue me. How do I stop this nightmare?
|
| 12/06/2022 |
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
- Their investigation did not fix an error on your report
|
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Web |
|
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IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXX C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS.
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
|
| 05/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A company by the name of XXXX XXXX, is trying to collect funds from me and I have no business with them. I did not no who they were until I was served a summons and complaint, I then responded and they stated they were trying to collect a debt possibly owed to XXXX XXXX XXXX. I then sent a request for verification and Validation of the debt to their attorneys office ( XXXX XXXX XXXX XXXX ). They only sent me computer generated copies of statements that may or may not be accurate. We had a court hearing XX/XX/2018 and we are to return to court for possible trial, in the near future. The attorney sent from the law firm tried to get me to sign off and admit to a debt that I don't owe. She also seem to think my wife and I were not able to understand she was representing XXXX XXXX and she was not the collections agency, but the law firm. XXXX XXXX is trying to get a judgment against me and ruin my credit. Unfortunately for them I will fight this to the end and if this ends up in a much higher court so be it!! They go around purchasing debts that don't belong to them, for near to nothing prices and expecting to collect large amounts of funds, not owed to them.
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/XXXX I paid a few bills on my credit report, one for XXXX XXXX with an outstanding balance ( Confirmation : XXXX ) for {$1300.00}. About a week later I signed up with XXXX XXXX to help repair my credit. After a month I noticed that charge was still on my report but being reported by Jefferson Capitol. I called them to try to give them the confirmation # and the gentleman yelled at me that " You shouldn't have paid XXXX that should have gone to us '' He told me to send over my bank statement that I had paid this so I did. Fast forward months in time and I'm still no closer to getting this taken off. I've called XXXX and Jefferson Capitol multiple times to try to get this resolved. The collection agency keeps telling me that it doesn't matter if I've paid XXXX that I still owe them another {$1300.00}. I've since sent all documentation to XXXX XXXX to send disputes to XXXX XXXX and XXXX but even if it's removed it could still show as something owed. I was told to contact you to hopefully get this taken care of. I'm trying to build my credit to help my kids go to college and I'm running out of time. Any kind of help would be greatly appreciated.
|
| 10/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Hi, I am a mom of XXXX sons. We had a family plan on our XXXX account for many years while they were young. I called XXXX after they were old enough and we separated the accounts, different addresses.
my son kept up the account on his own as he was XXXX through XXXX and paid his bills on time, however, he moved to XXXX, and did not pay last bill... I had no idea..he had no idea and no-one EVER called me about it and I have been with XXXX and STILL AM after 20 some odd years and ALWAYS PAID MY BILLS ON TIME!!
purchasing the newest phones etc and never told about this discrepancy.
yet, I just open a credit report and i see that this is in collections, has dropped my credit score since XXXX 2021 and I'm livid, as I am trying to buy a house ... MY credit was impeccable, yet this dropped drastically ... I just called JEFFERSON CAPITAL SYSTEMS and paid this {$180.00} debt with my credit card..conf. number XXXX ...
whether it belonged to me or not..my credit is important. this company is not dealing with public fairly... and they were not very nice either... PLEASE SEE THAT THIS IS ERASED OFF OF MY CREDIT REPORTS... this is unfair, XXXX is underhanded.
|
| 11/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I first contacted Jefferson Capital Systems XX/XX/2020 about an inaccurate and unverified account from XXXX for {$640.00} I saw on my credit reports. I included the account number and what was listed on my credit reports by their company. They responded on XX/XX/2020 sending me a totally unrelated bill that is not listed on my credit reports at all, and had none of the information or account numbers I sent them that they are reporting to the credit bureaus. I again sent another certified letter XX/XX/2020, telling them they sent an unrelated account as validation, again listed the account I was disputing as shown by their company on my credit reports and asked them to remove the inaccuracies as they could not verify it. Jefferson Capital Systems responded on XX/XX/2020 sending yet again another bill that had no identifying information to link it to me, and a bill thats not even in my name, nor bears my signature, or verifiable proof as a means of validation. They are continuing to report this unverified account on my credit reports. I have also asked for their bonding agency information so I can file suit, and they have ignored that request as well.
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised this is my SECOND WRITTEN REQUEST after the initial 30 business youve FAILED to respond. The unverified items listed below remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received correspondence on behalf of a collection agency named XXXX XXXX. According to them, I had an outstanding balance of {$1900.00} that was previously owned by XXXX. I contacted them on XX/XX/23, and the representative I spoke with informed me that the debt was tied to the phone number XXXX. I am positive that I have never been associated with said number, so I went through the trouble of filing an police report and so on. I called XXXX XXXX back on XX/XX/23, to obtain information on where to submit a copy of my police report in order to initiate a dispute. The XXXX XXXX Representative, XXXX, informed me that per their system, there was a " XXXX XXXX '' order in place, and that the debt was erroneous, and is not valid. He also shared that the debt would not be reported to the credit bureaus, and that I was no longer financially liable for the amount they were trying to previously collect. I requested a statement in writing confirming what XXXX shared, but he insisted that he was not able to do so per company policy. I wanted to bring this to the CFPB 's attention in the event XXXX XXXX attempts collecting debt from me again in the future.
|
| 07/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
XX/XX/2022, this account was discussed with XXXX and with a complete breakdown with the representative named XXXX XXXX, it was confirmed the amount of XXXX was an excessive overcharge. The representative provided me with an amount of XXXX being owd. The reporting amount is invalid, the date of the contract is incorrect and the phone numbers they included on the bill were a merge with a family member 's account in error. In XX/XX/2022, I spoke with Jefferson Capital, who were not able to validate the account with the original documents showing this account was opened by me and the amounts were owed and charged for me. According to FCRA, XXXX Jefferson Capital violated by 1. Mixing up one 's person information with another 's because of similar name.
2. Provided creditors inaccurate financial information about me.
3. Failed to send me notifications about this account and reporting to the Bureaus without notification.
For the past 2 years, I have fought with creditors providing inaccurate information, all while recovering and receiving therapy from my military injury. These businesses have an awful way of dealing with Vets and Military staff.
|
| 11/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX of 2023, I received three letters from a debit collector Jefferson Capital that stated I used a service called XXXX which I did not. The first collection notice is Account # XXXX {$200.00} dated XX/XX/2023. The second collection notice Account # XXXX dated XX/XX/2023 in the amount of {$120.00}. The third collection notice Account # XXXX dated XX/XX/2023 in the amount of {$170.00}. I called Jefferson Capital on XXXX XXXX and explained that the charges are not mine, they stated that they would raise a dispute for me concerning theses charges. I then waited 30 days and checked my credit report and the three charges were still being reported as delinquent and in collections. I then called Jefferson Capital again in late XXXX and explained that the charges were still showing on my credit report, and again they said they would take care of this. XXXX I checked my credit report again and the charges were still being reported. I then Called XXXX they stated that they could not find any accounts for my name or even with the account numbers I provided from Jefferson Capital. Today I filed a Police report with the XXXX XXXX Police Department.
|
| 11/18/2022 |
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
|
|
Web |
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I just noticed in an email from XXXX XXXX that there's this collection on my credit report. I would like this to be removed from all 3 agency. I have never signed nor have i applied from a XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX when this card was open, I have proof. Which i will be attaching a police report. I couldn't XXXX or XXXX or XXXX nor hold a pen in my hand. I didn't sign nothing or provided my information to be used by no one while XXXX XXXX XXXX XXXX XXXX. I had to have help XXXX myself. I would like this remove from my credit report. I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also had other credit cards as well student loan for over {$80000.00} and XXXX card and Bank account in my name that's has been removed after receiving the police report as well my doctor hospital papers. Please Remove from my reports Thanks as Well I attached hospital paperwork in XXXX file. I XXXX XX/XX/2020, and I shouldn't have to go through this process on the count of Fraudulent cards and student loans open up in my name. It still feels like I'm in the XXXX dealing with these companies of removing fraudulent things.
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter from debt collector, XXXX. I called XXXX because I am in complete disagreement that I owe any debt. XXXX told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called Jefferson Capital who claimed to have purchased the debt from XXXX and then redirected the debt to XXXX. Jefferson Capital was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to Jefferson Capital. Jefferson Capital claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from XXXX to collect the debt. I immediately reached out to XXXX to understand what the debt was all about.
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe Jefferson Capital is acting fraudulently claiming I owe debt that I do not.
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX allow false information to be added to my profile without my being informed?
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital has tried numerous times in the past to collect a debt that I did not owe. After years of trying to get them to remove this from my credit report and cease collection, they finally did so. However, they have tried sending collection letters to me and to an address that I have not lived at for over 20 years trying to collect money that they insist I owe them. The debt itself was already over 10 year old, but they changed the dates to say it was from 2015, which is a lie. However, per XXXX XXXX. Laws 600.5801 et seq., this debt is already past the statute of limitations even with the new date falsified by Jefferson Capital.
They are breaking the law in at least two ways : 1 ) Attempting to collect a debt that is already past the statute of limitations 2 ) Illegal contact of someone, other than myself, in an attempt to collect this false dept.
I was embarrassed to be contacted by this person from a former address that now thinks I do not pay my debts.
Based on federal law, I am due compensation for these acts. I would like to settle out of court, if possible, but am already in contact with legal council on this matter.
|
| 01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX Jefferson Capital System Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
Jefferson capital systems is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct Jefferson captial systems would not be attempting to suppress this information.
JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$970.00} Financial Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXXXXXX {$970.00} {$970.00} XX/XX/XXXXXXXX XX/XX/XXXXXXXX Type of Account - Open ; Type of Loan - Debt Buyer Account ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Collection Account ;
|
| 06/05/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is a dispute that has taken to long on their part not following proper steps. Capitol Jefferson This so called third party. Has not followed basic steps to verify this account. It been removed from XXXX three times. I have not received anything in mail regarding this matter. So after i had them removed from one credit reporting site they add to another site. they have not followed proper steps regarding my credit and has caused me time higher rates and pain. by mid XXXX. I will sue pain suffering and emotional stress I am asking for this account to be removed from all three credit sites asap not causing me anymore suffering if not you will be served. plus i, m submitting a XXXX report today for the lack of my rights being violated. If i sue i will seek lawyer fees as well remove asap THEY HAVE NOT FOLLOWED ONE LAW WHEN IT COMES TO VERIFY MY CREDIT THINKING THEY WOULD SAY THEY DID THIS BUT THEY HAVE NOT SHOW ME MY VALID DRIVER LICENSE NUMBER VALID THEY CAN NOT SHOW THIS AND IF THEY TRY LOOK FOR VALID DRIVER LICENSE AND PROPER CELL NUMBER AND MY ADDRESS THE ADDRESS THEY CLAIM IS MINE IT IS NOT I WILL SUE COME THE XXXX OF THIS MONTH
|
| 02/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson Capital LLC added a collection on my credit reports without my knowledge and in doing so on XX/XX/2021. This collection violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
|
| 10/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Was informed by XXXX that company sold debt to Jefferson Capital.
A debt validation letter was sent to this XXXX explaining that Consumer was the Original Creditor and to produce a contract between Consumer and them that gives them grounds for collecting a debt form Consumer ( U.S vs Throckmarton, 98 US 61, at pg. 65 ) Consumer has no contract with this thirds party debt collector. XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX failed to let Consumer know how much the debt was sold for, and if the debt was assigned to a third party, Jefferson Capital and the Consumer have a right to know what their commission. A Cease and Desist Letter was also sent to XXXX 15 USC 1692C ( b ). Consumer is not allowed to have or purchase Consumer information without consent. This is an infringement upon Consumer Right To Privacy. XXXX states " This is an attempt to collect a debt and any information obtained will be used to do so ''. 15 USC 1692e ( 11 ). Additional Violations 15 USC 1692c 15 USC 1692d 15 USC 1692e 15 USC 1692f 15 USC 1692h 15 USC 1692j 15 USC 1692k
|
| 10/05/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Mail was delivered to my home on XX/XX/20, stating a debt collection attempt for The XXXX XXXX from Jefferson Capital The debt was for XXXX, I called The XXXX XXXX and was told there was no account or record of enrollment information with the school in my name. I found The XXXX XXXX website online to call them, and then called Jefferson Capital, the same day, ( XXXX ) to inform them that I never attended The XXXX XXXX or had any accounts or enrollment with them, and verified that fact by calling The XXXX XXXX and speaking to one of the employees there.
l have received a second letter from Jefferson Capital on XX/XX/20, requesting for me to complete a ID Theft Affirmation document requesting my Personal Identifiable Information in a dispute statement document or forward a copy of my dispute to them. I have now filed a complaint with the CFPB to to have Jefferson contact The XXXX XXXX and cease their collection attempts against m XXXX XXXX, and prior to Jefferson Capital 's mail on XX/XX/20 never spoken to these companies. I had informed Jefferson Capital of my intent to file a complaint with the FTC. And this would be that complaint.
|
| 01/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX has an account in my name that was not opened or used by me and was not authorized by me. I do n't even know how they can do this. I have ALWAYS had XXXX for the last 14 years. My phone number has never changed. Nothing was sent to my house as a bill. No email to inform me or I would 've notified XXXX immediately. It did n't even show up on my credit report until it was derogatory! It 's very poor business practice to allow a person to create a fradulent account and not investigate their credentials. I did not sign ANYTHING. I do n't know who did this or even how someone could possibly do this. This is not my account or bill. It should be removed immediately. It 's for {$2200.00}. It says XXXX XXXX in collections by XXXX XXXX. It was opened XX/XX/2015. Account # XXXX. I have disputed twice with XXXX and it says meets FCRA requirements! I do n't see HOW a fradulent charge can meet ANY requirements. I am extremely disappointed that XXXX XXXX could continue to charge me for this. They definitely dropped the ball on their end by not notifying me by mail, email, or my XXXX phone number of someone 's attempt at fraud involving me.
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I had an account with XXXX XXXX that went to collections many years ago. I paid the company who obtained the account. Jefferson Capital Systems, Inc. They informed me that they would notify XXXX that the account was paid in full so XXXX could then report to the credit bureau that the account was paid. Instead, they never reported the pay off to XXXX so it is still sitting in my credit report as delinquent. This needs to be updated as it is the only thing showing negative on my credit report and I am in the process of trying to buy a home. I have been fighting with this company for almost 2 years to report this to XXXX. I have submitted a complaint to you previously in regards to XXXX but I was directed to the FDIC because they are a XXXX. I filed a complaint with them to no avail as they directed me back to XXXX. I am being sent in circles. This needs to be addressed and fixed. Under the fair reporting act I have a right to have accurate information reported on my credit report. I don't know what else to do or who to turn to at this point. Jefferson Capital Systems , Inc. will not do as they promised, nor will they help me with this.
|
| 12/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX purchased my account from XXXX on XXXX XXXX 2017 and did n't contact me once and then XXXX XXXX 2017 I received a notification from my credit report that my score had fallen due to a debt collector. I had never heard from them nor received any warnings.
XXXX XXXX XXXX showed up on my credit report one day without any notification. I called in to see what the problem was and was told that they had not attempted to contact me due to an address error? So instead of looking into this, they notified the credit bureaus with a negative file.
I attempted to contact them multiple times and without fail the women on the phone told me there was nothing I could do and that even if the amount was disputed, they still would n't contact the credit bureau to notify them of wrongdoing on their part. I 'm aware that there needs to be a notification of at least 30 days before this happens, which I never received a single one. The folks on the phone were incredibly rude and refused to help me with the incorrect negative marks on my credit file.
I have also read that they practice debt collection in states that they are not licensed in.
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ).
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1.Account Name : JEFFERSON CAPITAL SYSTEMS Account Number:XXXX XXXX XXXX {$610.00} XX/XX/2022 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$610.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.
|
| 05/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt buying company, Jefferson Capital, recently added a derogatory account to my credit report. All three bureaus, in fact. They say I have an {$870.00} debt with a XXXX mastercard dating back to XXXX. Upon checking my credit scores, no debt with this information appeared before XXXX. The company reportedly bought it back in XXXX of XXXX.
I received notice of a debt collection on my credit report on XXXX of XXXX. I quickly started disputes with XXXX and XXXX, XXXX did not show a new mark but did drop my score XXXX points. I reported a fraudulent act to these bureaus and was told it would be 30 days.
I reached out to this parasite company and told them that I never had a verve mastercard and that this card had been fraudulently opened without my permission. 7 years ago, according to them. They said they'd mark it as fraudulent.
I have NEVER had a XXXX XXXX, I would think the proof would be as simple as the credit bureau checking through my information and seeing that that card has never reported on my credit report. Surely, if I defaulted on a credit card, I would have heard about it before 7 years had passed, right?
|
| 06/01/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My complaint is with XXXX XXXX and jefferson capital system a debt collector. # 1 on XX/XX/2019 i like i do several times a month for the past two years logged on to check my credit score. When i checked my score i see these guys jefferson capital systems have a collection on my report from a old XXXX bill that # 2 should have never been on my report since prior to all this XXXX XXXX XXXX bought me out of my contract with XXXX. Since then though do to a lay off / rehire reason my score originally dropped i have hired XXXX XXXX which im not to pleased with these guys timing and efforts either but nonetheless they did have this false information removed off my report for id say a year or little less until XX/XX/2019. So how is it that any of this is possible to begin with then after its removed just how do you think its right to come back to ruin someones credit a year later. I have disputed this and honestly im sick of dealing with all this when i admit i maxed out some cards due to a lay-off because of being holidays and childrens bdays but ive not in no way ran up a XXXX $ fee with these guys for it to be on my report. Thank you
|
| 02/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Original account was XXXX XXXX/XXXX. Acct No XXXX.
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ).
I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XXXX XXXX a collection was placed on my consumer credit file by the company jefferson capital systems with the amount of {$1100.00}, under the fair depy collections practice i have all rights to ask for this debt collector to VALIDATE this false debt ... a debt validation was sent to this company listed in my complaint and they never responded ... ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 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.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
|
| 05/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a debt collection company called Jefferson Capital that has put an unpaid collection on my personal credit bureau. It appears that they are trying to collect on behalf of XXXX XXXX. XXXX XXXX has tried to do this to me several times in the past and can not show me where I ever had a past due or unpaid account with them. I had to call them on the phone and have even gone into their retail store but no one can show me this past due record. I believe someone fraudulently used my name because I was a past victim of identity theft ( I had some checks stolen from my apartment in 2006 ). However XXXX still can not provide this documentation even though they try to collect from me every 2 to 3 years for this fraudulent record. The last time I had a XXXX account was in 2006 and it was paid and closed. XXXX is trying to collect a phantom or fraudulent debt from 15 years ago! I have been out of work since the pandemic started and this is once again affecting my credit score. Also, it is the only derogatory credit that I have had in 20 years! Please have them cease this and remove the collection from my credit file.
Thank you.
|
| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2015 I changed cell phone carries, XXXX XXXX to XXXX XXXX. While in the XXXX store located XXXX XXXX XXXX, XXXX, MO XXXX. It was required for me to pay the FINAL BILL with XXXX XXXX if I wanted to open my new service with XXXX XXXX. This transaction was completed at the store. It was confirmed with me and my husband during the transaction all was well. XXXX received confirmation from XXXX and my new account with XXXX was opened and completed. A year later I started receiving threating mail and calls for me to pay {$1100.00} to XXXX XXXX. After several long wait times and transfers to various customer agents and their managers nothing was resolved. I proved to them the final bill was paid at the store because I could see the deduction from my checking account.
My goal is to have funds refunded to me for the stress and embarassment to me for this ongoing issue and the hits to my credit report. This is making my score remain under XXXX and it causing me not to be able to move forward financially. Please assist with the refund and/or total restoration of my credit report having this account removed from my credit report.
|
| 01/03/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
In XXXX my husband and I were offered private student loans through XXXX XXXX in which would borrowed approx. {$70000.00}. My husband was injured on the job and became XXXX XXXX. In XXXX, when the loans came due we used forbearance as our only option due to our financial situation. Around XXXX, We were informed through the mail that XXXX XXXX XXXX XXXX purchased the private student loan debt in which they aggressive sought repayment by filing for a judgement against us. They were informed through the court system that my husband was XXXX XXXX and they still pursued the judgement. They also claimed that the debt we owed was well over {$200000.00}. Making any form of payment more than what my husband and I could afford. I found out XXXX XXXX XXXX had my bank account information and I was afraid of them freezing my accounts which would make it impossible to take care of our children therefore we are paying the loan through the watchful eye of Chapter XXXX bankruptcy. Do not take out private students loans! If you become XXXX the debt collection agencies do not care and will aggressively pursue you in court and ruin your life!
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital is claiming I owe money for a XXXX bill, but my XXXX account was paid in full when I closed it several years back. I also disputed the date that they reported because it is much more recent than the account I held at XXXX. They lied in their response and stated that they can re-age a debt whenever they collect on it, which I know is illegal. If they refuse to remove this false collection, they need to at the very least reflect the date of the alleged default correctly. They can't lie and tell me that they choose the date. What is my recourse for this and why was this statement by them not investigated? Are you not supposed to protect the consumer? They need proof that I owe this money and a correct date to go with it. In the mail I received, they only showed me a front page of a supposed bill ( with no transaction detail or ANYTHING- just a total amount ) and the date on my credit report does not reflect the bill date at all. This would be a false debt validation. Additionally, this letter was sent XXXX XXXX XXXX XXXX and I stopped using XXXX years before that - when I lived in XXXX. This is totally bogus.
|
| 02/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This company claims to have purchased a debt in my name for XXXX wireless something of which I have no knowledge of. I have however been a " prepaid '' customer of theirs for the past XXXX years until XXXX when we changed wireless XXXX, all my devices were purchased at XXXX and XXXX XXXX This has been an ongoing thing with Jefferson capital for years now, they have ruined my credit, and have harassed myself and my family at least XXXX times that I know of. I have filed disputes with all major credit services but to no avail!
When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt until today XXXX XX/XX/XXXX. They keep calling me ( XXXX times yesterday and XXXX times today alone and it's not even noon yet ) threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything. I am a XXXX Veteran with XXXX, my credit has been compromised XXXX times last year XXXX and XXXX the previous year XXXX. I now have a fraud alert on my credit report. Please Help me in this matter.
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
At the beginning of last year, I had my credit pulled for a pre-qualification for a loan. It came back that I had a collection account with XXXX XXXX that I was unaware of. I contacted the company that was handling the debt, asked for validation, and it was removed off of my credit report. It then was resold to XXXX XXXX XXXX on XX/XX/2018 and reappeared on my credit for {$460.00}. It is the only negative collection account on my report, and as I previously stated I had no knowledge of the account at all. I have tried to reach out to the company about having the account removed, and every time I called I was spoken to extremely rudely and they demanded that I pay 70 % of the debt to have it settled. The problem with that is that it will still report negatively on my report, and the debt is not mine to begin with. I even offered a smaller amount in exchange for a Pay to Delete agreement just to get rid of it because I am XXXX XXXX military and I am trying to buy a house. They were nothing but rude every single time I spoke with them, and I refuse to deal with them any longer. I just want the debt gone and off of my report.
|
| 04/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This company has done nothing but harass me over a debt with XXXX they believe I owe. I got a new XXXX, had the plan for a month and got the shut off email ( which I still have and will attach- notice the year, its XXXX ). One month of service with XXXX just wasnt affordable for me and I closed the account. I got countless intimidating letters from attorneys threatening to sue me. Ive been dealing with this company textbook harassing me but now this, its just the straw that broke the camels back. They put actual lies on my credit report, under MY name. All of a sudden the account is open? HOW MANY TIMES DO I HAVE TO CLOSE IT. Not to mention its a completely different year as well. I have disputed this collection on my credit report so many times and I know Im not being treated fairly- nothing is being done. I refuse to sit here and let this bully of a company put literal lies about me. Also shame on XXXX and XXXX, who couldnt investigate this effectively the first time. The bottom line is they turned my service off a month after I got the plan and continued to charge me month after month for service I was not receiving.
|
| 11/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct.
I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX.
I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress.
I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know.
Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
|
| 07/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. XXXX/XXXX calls and harass me daily for that unknown debt. I explained the ACCOUNT is FRAUDULANT and not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. I also sent a copy of the FTC and police report to XXXX back on XX/XX/XXXX and they still have not been been able to verify/ validate this debt is mine. They are not coorporating and states that they are willing to take settlements. Now I received a letter from XXXX XXXX XXXX XXXX stating that the account was bought out by them. I filed an FTC and police report with my local police department. I don't know what else to do so I am finally coming to you guys for some guidance please and to file a complaint in regards to unfair and illegal practice by both parties..
|
| 05/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was called by Jefferson Capital Systems , LLC, XXXX, for a debt for a XXXX account that I do not have. I have had a active XXXX account for the past 12 years and do not own anything on my account, and I am in good standing with XXXX.
I informed them that the debt was not mine and that I was in good standing with XXXX, they tried to tell me I was in error, and tried to direct me to a 3rd party website to show me that I somehow owed XXXX. I offered to pull up my XXXX account but they insisted that I use their website. They then told me that this debt was from 3 years ago, but after I informed them that no changes were made to the account in that time frame, they changed their story and told me that this was a debt bought from another debt collector 3 years ago. They were not able to tell me when this debt was from, the account number, or what the original amount owed was. The rep would not give me any name except for 'XXXX ' and was very rude. He asked for a lot of my personal information that he should have had if this was my debt, but i did not tell him my social, or XXXX account number even though he asked for it.
|
| 11/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX the Consumer sent a Notice via U.S. Certified Mail return receipt request to XXXX XXXX XXXX XXXX, the original creditor. XXXX XXXX XXXX XXXX, stated they sold my account to Jefferson Capital Systems LLC. , on XX/XX/XXXX. I have rescinded the security interest agreement obtained with deceptive language and forms by the XXXX XXXX XXXX XXXX. This is NOTICE to Jefferson Capital Systems LLC., to rescind the security interest agreement they acquired without my consent. Both XXXX XXXX XXXX XXXX. and Jefferson Capital Systems LLC., have committed securities fraud, identity theft, trust fraud, and transferred stolen goods across state lines ; I did not consent to either party in the releasing or selling of my private information. The 20-day process as required pursuant to the CFPB begins the day the Jefferson Capital Systems LLC. , receives notice of this " security interest '' rescission. Both parties are liable to the Consumer for the damages, fraud, and losses caused pursuant to 15 USC 1640 Civil Liability. " My Security Interest is Non-Transferable ''! I am the holder of the majority and priority interest.
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| 04/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A collection company by the name of XXXX XXXX XXXX XXXX XXXX is reporting a collection account for a XXXX account that I have never opened. I have asked them to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 30 days they responded with a letter advising the account was verified but they have not provided me with anything that shows that I signed a contract. I have also contacted the collection company and asked for a signed contract which I have not received. After I disputed this with XXXX XXXX XXXX they sent me a letter stating " we have updated our records to show that this account is disputed and to call to discuss payment options '' but did not provide me with anything stating I still have a right to dispute further. I have followed up and sent another dispute letter recently because it was still within 30 days of receiving an initial response from them. After all of that I received a notice from the court stating they are suing me for the debt for an account that I have never opened and have yet to produce a signed contract for.
|
| 07/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX ( did not give last name ) purportedly from Jefferson Capital Systems out of XXXX called on XX/XX/XXXX attempting to collect a debt created with XXXX XXXX system with a balance of {$1700.00} on an account from XX/XX/XXXX - XX/XX/XXXX last payment made in XX/XX/XXXX, and wanted to know how I intended to pay off the debt. She indicated acct number ended in XXXX when asked for acct information. ( Did not provide other information even when asked. ) I was transferred to a XXXX XXXX who was supposedly a supervisor. He indicated that the last four digits of client ID # was XXXX. He indicated that the debtor 's name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the debtor lived at XXXX XXXX XXXX in XXXX CO. He attempted to obtain all or part of my SS # more than one time. He also said that the debt had been purchased from XXXX XXXX. When asked he gave an address of XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX. The company attempted to collect a debt from me. The company identified a debtor, their address, and the amount he owed. The company attempted to get personally identifiable information from me.
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX, XXXX, and XXXX are still reporting an old collection from Jefferson Capital Systems on behalf of XXXX XXXX for the XXXX XXXX {$2400.00} that I disputed the validity and never received proper verifcation with the original contract or even a notification that the debt was verified.
I had just become aware that this debt was still on my credit profiles when applying for a mortgage. Please see attached for a copy of a credit report that I have received from my mortgage lender showing that the Jefferson Capital Systems on behalf of XXXX XXXX account has acknowledged that this debt was disputed, but I never received any official proof that it was validated or any resolution.
This debt is being unfairly reported and is hurting my chances of being approved for a mortgage right now and I am expected to close on the house on XX/XX/2023. Please help get this Jefferson Capital Systems account rightfully removed from my credit profile on all three major bureaus.
Thank you and I sincerely look forward to your response.
XXXX XXXX XXXX Account Name : Jefferson Capital Systems ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 09/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Opened the card in XXXX, went to collections, paid the full XXXX $ due- XXXX XXXX knew it was paid and the debt collection agency Jefferson Capital , put two collections on my credit, that were over with. I disputed both one for {$590.00} and one for {$660.00} in XXXX, it came back and they deleted it from my credit report. But it still remains on there, and a few weeks ago the one for {$590.00}, itll be falling off in XXXX anyways because it will be 7 years. But they inaccurately put it on my credit and said I t was opened 4 months ago and was seriously delinquent, but never did i receive a notice or phone call saying I had a debt. But it was paid back years ago, and so was the other one. {$590.00} collection by the same Jefferson capital, was opened in XX/XX/XXXX. And they have it saying it doesnt fall off until XXXX. I have disputed this and it was 100 % inaccurate. As soon as I started to find a mortgage loan they come back to my life and say I owe this. And it should be illegal to dropping my credit score and making it look like I have derogatory marks with them on my credit report. They ruined my loan.
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Notice Of Cease & Desist Account # XXXX This is a notice to cease & desist. Jefferson Capital Systems LLC has violated my rights according to the Fair Credit Reporting Act, Section 604, Permissible purposes of consumer reports { 15 USC, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, 15 usc 1602 ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports today. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.
|
| 10/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Weekly I receive mail from this company Jefferson Capital Systems LLC, Pursuant to 15 USC 1692d ( 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 is in fact a violation. This company has reported a collection account on my consumer credit report as well which has affected my reputation as a consumer, and has not allowed me to use my credit resulting in severe stress. I will file for litigation due to the stress this company has caused me, I will give this company the chance to cease all communication with me through all mediums. In fact I have sent a cease and desist as well as a debt verification which will be attached below, I will also give this company the chance to delete any reporting what so be on any credit reporting bureau involving this account as soon as possible. Jefferson Capital Systems LLC has 30 days from the receipt of my cease and desist and also my debt verification to respond, if no result or response resulting in deletion, so be it litigation is shall be.
|
| 04/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX is trying to say that I owe on a military loan that I took out in 2017 from a place called XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX buys bankruptcy claims, according to their website, and I have NEVER filed for bankruptcy. Two, any military personal loans that I have gotten was from a different company and showed paid off in full on my credit report. I have never received any sort of communication from this company, just that I showed up on my credit report a few weeks back. I disputed it and it did not get removed. I am in the process of reaching out to XXXX XXXX XXXX to get some type of paperwork that will prove I have never had an account with them and submit it with my dispute. I was working on trying to get my credit score up in order to purchase a home and this company has really hurt my score. I will NOT pay a debt that is not owed. Also, if what they are saying is true, then why did it JUST hit my account, even though it's never been on there from the other company or them. This company may be a legitimate company but they are trying to commit fraud and collect money that is not owed.
|
| 02/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I was given a background check paper work from my job after I been into the job 4 months now. So a friend of mine tells me to do a background check on my self so I did and I seen accounts that I never open that I owe money to. Address I never seen before and ssi I know ain't mine two of them. Phone numbers I never had, ect. That's scary but XX/XX/XXXX I had lost my place and I thought I could trust the land lord but he told the maintaince people that they can have what ever was mine or through it away well I had left my ID ssi card my birth certificate so that's how I think these people got my info. This is so messed up 1. ) XXXX XXXX XXXX Account type : credit card Date open : XX/XX/XXXX Status : closed. {$550.00} written off 2. ) Jefferson capital system Account type : debt buyer Open date:XX/XX/XXXX Status : collection account. {$440.00} past due as of XX/XX/XXXX XXXX XXXX/XXXX XXXX Account type : credit card Open date:XXXX Status : account charged off {$430.00} written off {$430.00} past due as of XX/XX/XXXX XXXX Charged card Open date XX/XX/XXXX Closed. {$440.00} written off credit line {$300.00}
|
| 07/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XXXX/XXXX/XXXX I made contact with Jefferson Capital LLC located at XXXX, MN XXXX regarding a collections account that they are reporting to my credit report. I spoke with a representative named XXXX with ID # of XXXX, after explaining that the account they are attempting to collect on was opened in XXXX and closed in XXXX ( Jefferson Capital LLC is reporting the account was opened in XXXX ) I questioned why it shows it was opened in XXXX. XXXX informed me that XXXX is when they recieved the file and could report that date legally. I then asked if they report the file being opened in XXXX that would mean it would stay on my credit report until XXXX instead of XXXX ( if showed reporting from XXXX ). She then told me that I was correct and it will continue to show as a new account from XXXX then would remain until XXXX. When I advice her that I think that is illegal she told me it can be done because that is when they received the account. If this was the case and a new company bought the debt from Jefferson Capital LLC and placed a new open date, the debt would never be removed from my credit report.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject t
o subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 09/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed!
Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with XXXX XXXX.
My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on XXXX XXXX without pay and could not afford it. Shortly after, about 4 months later, while still on XXXX XXXX I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic.
So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called Jefferson Capital had acquired the account and was asking around about {$1500.00} to settle the account.
I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.
|
| 01/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.
|
| 03/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems LLC, for committing identity theft. I have never given Jefferson Capital Systems LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, security fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant by UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been trying to resolve this issue since getting notice that it was on my credit file. An account from XXXX XXXX for over {$2000.00} is in my name. Now I have never had a XXXX XXXX account Ive been with T-Mobile for well over 7+ years. I notified Jefferson Capital systems to send me the deb collection in writing so I could take the proper steps in getting it removed. The account used my personal information but has an incorrect address. After telling that to the debt collector they told me there was nothing they could do and offered me a {$840.00} settlement amount to remove it from my credit file. I then pulled my entire credit file to find numerous incorrect addresses spellings of my name and also 2-3 filings from the same company in different amounts. I have already gone thru XXXX XXXX in terms of a dispute in the past but everytime it comes off Jefferson Capital just files another collection for the same bill. I would like to have this fraudulent account removed from my credit file. The only address that should be listed is the XXXX XXXX XXXX address. Any other address shown is incorrect.
|
| 01/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Jefferson Capital Systems I am responding to your notice that you placed in my con-sumer report under collections about a debt you are trying to collect.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
|
| 10/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was summoned by XXXX XXXX XXXX for a debt for an account " XXXX ''. I received no letters from XXXX XXXX XXXX asking me if I validated this account was ever mine. Instead they had someone send a summons to me to appear in court. I appeared in court on the day requested to contest the account and they did not hsow up. They sent an affidavit blaming their no show on a scheduling issue. Immediately after I was summoned I sent to the court and XXXX XXXX XXXX a challenge to verify if the debit is mine but all I got was a letter with some statements and one page part of a forward flow agreement between them and " XXXX ''. To this day I have not received proof that I have opened this account such as a signature and per federal law, they should not be able to come after me for this debt if they have no proof. Attached is 5 letters. One is the letter with the entire suit package, second is the summons to appear, three is my answer in response to the matter requesting proof I opened the account, four is the court 's dismissal due to no show by plaintiff, and five is the affidavit explaining their absence.
|
| 08/13/2020 |
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
|
|
Web |
|
|
For the record, I have NEVER received ANY service and NEVER made ANY purchase from Jefferson Capital System LLC. I sent a formal dispute letter seeking validation of the alleged debt which Jefferson Capital System LLC received at XXXX on XX/XX/2020, evidenced by certified mail number XXXX XXXX XXXX XXXX XXXX. Jefferson Capital System LLC FAILED to respond with the requested competent evidence as per FDCPA, FCRA etc. After thirty days, I sent another letter giving Jefferson Capital System LLC another opportunity to EVIDENCE the alleged debt but Jefferson Capital System LLC continuously sent prints of alleged bills, but FAILED to evidence the alleged debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I then disputed the derogatory mark ( Jefferson Capital Systems ) with the Credit Bureaus. Jefferson Capital Systems was then REMOVED from my Credit Report, but IMMEDIATELY reinserted. It is clear that Jefferson Capital Systems is GUILTY of FRAUD AND DECEPTIVE BUSINESS PRACTICES! Please help.
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
I quit XXXX on XX/XX/XXXX. They refused to port my number over to my new carrier and charged me for 2 months thereafter when I had no cell service. Some months later, I was sent to one collection agency after another for a bill of {$100.00} that I did not owe. I'd call and explain the situation and every agency sent the " debt '' back to XXXX. This has been a continual harassment since then. Now I have Jefferson Capital LLC of XXXX XXXX, MN reporting this as a derogatory on my credit report. I called them today ( XX/XX/XXXX ) and was told that they would put it into dispute but the rep there could not tell me what that meant or what would happen going forward. My XXXX score has crashed by XXXX points over this one item that is false reporting. My XXXX was XXXX and is now XXXX on XXXX. This is the only change in a while other than their usual minor blips. I pay any bills that I owe legitimately and on time. I do not, however, pay bills that I do not owe. XXXX and Jefferson Capital are responsible for damage to my credit score and my peace of mind. Three years of this harassment is just too much!
|
| 04/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After checking my credit report on XX/XX/XXXXI noticed that there was an open collection with XXXX XXXX reporting that was opened XX/XX/XXXX. I've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act for withholding notices. I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under the FCRA occur when a creditor fails to notify you when it supplies negative credit information to a Credit Reporting Agency. A creditor fails to notify you of your right to dispute inaccurate credit information. They've also are in violation due to prohibition of trying to collect on a debt that has resulted from identity theft. I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices.
|
| 10/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
Email to Jefferson Capital attorney : Mr. XXXX, I have been doing my best to pay you guys off and you were professional and courteous. However, I am getting daily calls on maybe a different account or this one. I'm not sure. But my brother was here visiting and answered the phone and I was in the bathroom. Can you please pull the recording and send it to me?
Call received XXXX XXXX est on XX/XX/2021 Caller : This is ( he didn't catch the name ) calling on a recorded line. Is this XXXX?
My Brother : Yes Caller : This is Jefferson Capital calling about a debt you owe in the amount of $ $ $ $ $ $ ( He can't remember ) I want to know how you are going to pay this?
My Brother : Aren't you supposed to verify who you're talking to? Because this is not XXXX.
Caller : Well you lied on a recorded line XXXX! XXXX the phone down.
Can you please send me a copy of this phone or tell me how I can request a copy of it?
Everyone is struggling through the pandemic and I have done my best, but I will not be disrespected like that.
What is the remedy for a debt collector that behaves in this manner?
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| 04/14/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I contacted Jefferson Capital, I'm trying to pay off and on a debt. I was given an option to submit a " one time payment '', if I couldn't pay the above options and others. My account on the website allowed me to submit a lesser amount. I contacted Jefferson Capital to verify the option and they would not answer or confirm the accuracy of that option however it was offered to settle the debt with my own personal offer. The agent insisted I choose the other options ( higher amounts ). The agent was trying to justify and explain but he wasn't making any sense of the option. I felt he was trying to confuse me and con me into paying the other higher amounts. I told the agent I would call back, moments later, Jefferson Capitol locked me out of my account and the message said " my account in ineligible for web service '', only calling was an option. This is deceptive and unfair, now they are not allowing me to log in and view my account to make a payment. They do not want me choosing the lesser amount option and I feel they may alter my account.
I took screen shots of my account and the options.
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| 07/26/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXXI have a a unverified account from XXXX XXXX XXXX . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim or any documentation for my review.
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| 11/07/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Against [ Collection Agency Name ] To Whom It May Concern, I am writing to file a formal complaint against Jefferson Capital regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter.
I have previously disputed these accounts with Jefferson Capital and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts.
I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Jefferson Capital. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports.
I appreciate your prompt attention to this matter and look forward to a resolution.
Sincerely, XXXX XXXX
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| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.
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| 06/29/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2022 I received a letter from Jefferson Capital Systems LLC stating they have a debt they are trying to collect on. I sent them a letter on XX/XX/2022 asking for supporting documentation/verification of this debt. They did not respond. ( the account was not on my credit report ) On XX/XX/2022 I received a letter from XXXX stating they are trying to collect a debt. I sent them a letter via on XX/XX/2022 asking for supporting documentation/verification of the debt.
On XX/XX/2022 I received a letter from XXXX stating the account with Jefferson Capital Systems LLC has been closed and " returned to their client ''.
on XX/XX/2022 I also received a letter from Jefferson Capital Systems LLC stating they received my dispute and have been unable to resolve my request because they need additional information.
On XX/XX/2022 a collection account from Jefferson Capital was put onto my credit report.
I have not received any documentation regarding this account. I dont believe this account can be put onto my credit report without providing me proper documentation validating this account.
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| 04/29/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I requested copies of my consumer reports from XXXX, XXXX, and XXXX, and as I was analyzing the reports I noticed that there was a collections account from : Account # : XXXX Debt Collector : Jefferson Capital Systems XXXX XXXX XXXX.
XXXX XXXX MN XXXX stating that I owe them an alleged debt that I have no knowledge or recollection of owing them. I was never contacted about the alleged debt, nor was notified of my right to dispute. They opened the account on XX/XX/XXXX according to XXXX, but they never notified me of my consumer rights under the FDCPA.
They then reported it on XX/XX/XXXX again without notifying me or communicating through mail, email, or in person. To my understanding, after XX/XX/XXXX debt collectors are suppose to let the consumer know that they have a debt, and record any proof of non delivery to the consumer. In my case this was never done. I never had the proper opportunity to dispute the debt they say I owe. This is the reason I did not contact the company. They've violated my consumer rights under the FDCPA. So I am filing a complaint with the CFPB.
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| 04/23/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX has an amount of {$2300.00} on my credit report with the original creditor being XXXX.
I initially made XXXX aware I had no knowledge of this account and let them know that I was on SSI XXXX and unable to even attempt to pay just to get it off my credit report.
Then around after XX/XX/2019 I began receiving letters from XXXX XXXX ( at an older address of XXXX XXXX XXXX XXXX NY XXXX ) stating that I owe the amount of {$2300.00}. I responded one time via mail declaring all that I just said here.
Clearly that letter fell on deaf ears as I received 2 letters since ( to hew address of XXXX XXXX XXXX XXXX XXXX NY XXXX ) as well as MANY phone calls ranging from XXXX to XXXX with blank or static noise filled voicemails. I feel harassed and intimidated by this company.
Unfortunately, due to the financial difficulties I have being on SSI XXXX I can not do much so I am coming to you for help. All I would kindly like done is for this company to remove this so called debt, information and remarks and from my credit report and I will remove complaints I've filed with other agencies.
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| 06/21/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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I received a phone call from collection agency from a blocked # then the rep talked to me with out authentication there is a XXXX & XXXX in my house Gould the balance on the account was {$560.00} they offered me a settlement for XXXX XXXX and something dollars asked the rep did the purchase this debt sat yes I offered him a lower amount said he need to bring his Supervisior on line talked with his Supervisor XXXX XXXX who also discussed the debt without authentication told him I never received anything in writing from your office and I believe you have the wrong person then he states are you threatening me to take an lessor amount of money I stated how can I threaten you to take my money told him Im going to file a complaint against there office for 3rd party disclosure and not authenticating you have the right person on line didnt ask for my date of birth or social security # Collection agency name is Jefferson Capitol Llc XXXX XXXX XXXX XXXX XXXX Mn XXXX there in violation for not authenticating they have the right party on lime and calling me before they mailed something in writing.
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| 04/12/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my 2nd attempt at reaching out to JEFFERSON CAPITAL SY about a fraudulent debt that they are incorrectly reporting on my credit. This incorrect reporting of this unknown collection is having a negative effect on my credit and preventing me from being a credit-worthy consumer. JEFFERSON CAPITAL SY is saying that I owe a debt, however, even after I have reached out to them, they still have not properly and correctly VALIDATED this incorrect debt that they are reporting on my credit.
I am requesting that JEFFERSON CAPITAL SY provide me with the following information : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
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| 05/01/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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RE : Jefferson Capital Systems , LLC, a debt collector I learned from viewing my credit reports that the debt collector re-aged my debt when reporting to all three credit reporting bureaus. Re-aging a debt is the act of reporting an inaccurate date of first delinquency to a credit reporting agency. According to the law, Fair Credit Reporting Act ( FCRA ), the date of first delinquency is shown in credit reports. Subsequent activity, such as one debt collector selling the debt to another collector, is irrelevant, particularly to the 7-year rule outlined in the FCRA. The start of the 7-year period begins at the date of first delinquency, or if no payments are made, when the first payment was due. Unscrupulous collection agencies, such as Jefferson Capital Systems, reset the date of first delinquency to stretch out how long a derogatory account appears on consumers credit report. This is illegal under the FCRA.
In the case of my debt, the first date of delinquency is over five years old. Jefferson Capital Systems , LLC has reported the date of the debt as only two years old, XX/XX/2019.
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| 05/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a notice of an attempt to collect a debt from Jefferson Capital Systems LLC which is dated XX/XX/XXXX, it references that I had a XXXX XXXX account from XXXX XXXX XXXX and XXXX XXXX and that as of XX/XX/XXXX I owe {$840.00} but also this is the total amount of the debt. The letter states I can contact Jefferson Capital by calling or writing to them by XX/XX/XXXX to dispute all or part of the debt and in doing so they must stop collection on any amount I dispute until they send me information that shows I owe the debt. My concern as of today 's date which is XX/XX/XXXX is that upon checking my credit report with XXXX Jefferson Capital has posted this collection with XXXX and maybe the other agencies as well. The derogatory information was reported to XXXX on XX/XX/XXXX and today my credit score has dropped.
I find this to be highly unethical on their part since they have not given me the time indicated in their notice to respond whether by writing or calling them. It is my request that they immediately remove this negative information from all XXXX credit agencies asap.
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| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Upon review of my XXXX and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.
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| 04/29/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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On XXXX XXXX my account with XXXX XXXX was officially closed. After reporting fraud MULTIPLE times and giving them all the money I physically could I was happy to see the account finally close. Then, XX/XX/2020 I receive a notification from XXXX XXXX {$2000.00} due to Jefferson Capital Systems. I was on XXXX during the time of the notification so I tried to dispute the collection. All I received is that this account falls under FCRA requirements. During this XXXX I tried complaining to XXXX through the XXXX and they replied that after they " investigated '' my account is was reported not fraud and that my account is now in the hands of Jefferson. I was finally able to save up the money to pay off this debt, but, after intense research I find out Jefferson Capital Systems is not accredited through the BBB, but on their website it says they are?!? And every review on this company is the same, all closed/ disputed XXXX XXXX accounts! I never received a letter, email, phone call or anything from Jefferson Capital Systems stating this debt is due. I can only see it on my credit reports.
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| 10/24/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Electronic communications
- Frequent or repeated messages
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Web |
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I closed my XXXX XXXX account on XX/XX/XXXX after my XXXX contract expired and I moved to XXXX for better pricing and plans. XXXX sent a bill for the next billing cycle despite me closing my account.
I disputed this several times with XXXX and reported XXXX to the XXXX, I have also joined class action lawsuits against XXXX as this has happened to many people over the years. I have not seen relief from either the XXXX nor the class action.
XXXX maintained I owed them for the subsequent billing cycle and put negative marks on my credit for 7 years. Now that 7 years have passed, they sold the account to Jefferson Capital Systems LLC.
Jefferson Capital Systems LLC is trying to collect XXXX 's debt that is 1 ) incorrect and 2 ) past 7 years old. They email and/or call me daily. I have asked them to stop contacting me via email.
Per the FCRA, " consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ''
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| 05/25/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I spoke with Jefferson Capital Systems LLC today XX/XX/XXXX at XXXX XXXX and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " XXXX XXXX '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.
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| 01/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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From XXXX to XXXX I was working at the IRS in XXXX, GA and I applied for a XXXX XXXX Credit Card which included the XXXX XXXX, which is a program that in which if you lose your job for reasons outside of your own negligence they XXXX XXXX XXXX would basically wipe out or cancel out said debt. In XXXX we were furloughed from the IRS without a return date to go back. I contacted the creditor ( XXXX XXXX ) and told them my employment situation and they requested I send in documentation regarding the IRS Furlough, my GA Unemployment Documentation as well as pay check stubs from 3-6 months prior to the Furlough taking effect. I submitted this documentation and XXXX XXXX never clarified or processed the XXXX XXXX Debt Cancellation. For years I have been disputing this error as well as submitting the same documentations I originally submitted to all 3 Credit Bureaus as well as the collection agency Jefferson Capital and to no avail they still have not removed said debt. But have managed to keep selling this debt to various collection agencies with the most recent being Jefferson Capital
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| 01/03/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/XXXX at approximately XXXX MST, I attempted to contact the company XXXX XXXX about an old debt that I wanted to try and resolve. They transferred me to another one of their agencies who I tried to explain the issue to and offered a settlement of 20 % of the balance. They had already doubled the amount in fees over the last year. The agent then laughed and said they wouldnt do that. I asked to speak to a manager after realizing I was just losing my temper over the behavior of the agent. When the agent went to transfer me she called me a XXXX tool & when I asked her why, she got extremely rude and hung up on me. I called back, got another agent & immediately asked for a manager and the second agent also has rude comments. When I spoke to the manager, he didnt seem interested in resolving the issue. This collection agency should not be licensed. Just try to talk to them. I can call them and let you listen. I understand I may not have had the most pleasant response to the treatment I received but this collection agency does not want to resolve debt. They want to harass you.
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| 10/05/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This complaint is following an attempt by XXXX in collaboration with XXXX XXXX to defraud a customer for services they did not provide. I had filed a complaint against XXXX in 2022 for a full refund of the money I paid to them for service that was never received after a representative of XXXX XXXX misplaced the birth certificate of our daughter jeopardizing our planned vacation trip. To add salt to the wound, XXXX did not only refuse refunding the money we had paid to them, they are attempting to ruin my credit by sending the balance to collection. This is nothing short of a mean and heartless set of individuals out to rob united states citizens of their hard earned money and credibility. XXXX, through a collection agency known as JEFFERSON CAPITAL SYST, reported a balance of {$780.00} after withholding over {$1200.00} that should be refunded. This credit reporting has caused damage to my credit score and it is affecting me negatively which goes to buttress the reason for filing this complaint as this is a mean-spirited move by uplift and all involved to further ruin my credit.
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| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is JEFFERSON CAPITAL. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why Jefferson Capital is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes JEFFERSON CAPITAL as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
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| 07/25/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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Since XX/XX/XXXX, I've gotten calls from phone number XXXX once a day, every weekday morning from about XXXX to XXXX am. Caller ID displays XXXX XXXX '. I rarely pick up the phone and no message is ever left. On the rare occasions I've picked up the phone without saying anything myself, there is nothing but dead air on the line.
Based on the pattern of these calls, I strongly suspect that the calls are coming from a debt collection agency. When I XXXX the number, many complaints mention Jefferson Capital Systems, a debt collection agency. However, all of the complaints against the company are more than 2 years old.
I have absolutely no unpaid debts of any sort. My mortgage is paid off, credit card balances, utilities, insurance payments etc, are all automatically debited in full each month from my bank checking account. In addition, my credit scores from various sources are consistently above 800, with a completely clean credit record.
Since I have no debt problem, I have no intention of personally interacting with the source of these calls. I just want the calls to stop.
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| 04/29/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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In 2014 XXXX cell phones were sent to me, that I had not requested from XXXX. They did not allow mw to return these XXXX phones and wanted payment, which I said was not going to happen. They started a collection process in 2014, and I never paid a single thing to them on this account, and it was a constant harassment process from the collection agency, Jefferson Capital. Recently they fraudulently started another attempt to collect a debt from me on this old account which has been eight years from the first attempt, trying to make it appear as a new collection when in fact its more than eight years old. I have correspondence from those old collection efforts and I never paid a thing, because I never requested the phones in the first place. I still have the unused phones and XXXX willing to return them, but have no idea how to do so.
Let me be clear the phones were never activated or turned on, they are still in the original boxes. Trying to regurgitate an old account as new should be criminal.
I want this removed from my credit report, please help me get this accomplished.
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| 03/04/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a debt collection in the amount of XXXX This account is does not belong to me. They claim the original account was XXXX XXXX. I have contacted XXXX XXXX in XXXX when this amount first appeared on my credit report. There is no record of a debt under my social security number. Furthermore, I filed a dispute with all three credit bureaus in XXXX via certified copy letters. The charge/account was found to be an error. The accounts were removed within 2 months. In XXXX the charge reappeared on my credit report as Jefferson Capital. I have made repeated attempts to notify this collection company that the charge had been investigated and does not belong on my report. The call center agents have not provided any documentation that would show proof this account is linked to my social security #.
This type of erroneous reporting is a violation of the Fair Debt Collection Practice Act. The fact that this account has been single reason for the delay of my mortgage preapproval letter since XXXX of XXXX exemplifies how this reporting system violates customers civil right as well.
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| 06/21/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I opened an account with XXXX for wireless cell phone service. I was informed I had 14 days to cancel service and return the phone I purchased and I would only pay for minutes or data used during the time I had the phone. I cancelled service on XX/XX/XXXX and returned the phone to the store where I purchased it. I subsequently received some erratic bills, and they ended up reversing most charges. They left me with a final bill of {$120.00}, but I had paid when I returned the phone. The store clerk told me what the amount was due for minutes and data usage, and I can't recall the exact amount but it was around {$60.00}. I know that I thought even that was too much, but I paid it so I could take care of it and switch to a different company. So I never knew what the {$120.00} was for and did not receive any notice of a debt collection, just XXXX bills. I attempted to dispute this with them over the phone around XX/XX/XXXX and XX/XX/XXXX but nothing was ever resolved. I don't like for this to still be on my credit report because I don't believe it is a fair charge.
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| 09/09/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The issue is with XXXX credit reporting in regards to Jefferson Capital XXXX while ago I had filed a dispute in regards to the amounts listed in the Charge off. Since that time, my credit has made a comeback, and I was able to receive funding for a new home loan. I was informed by my underwriter that I needed to have the dispute notifications taken off my report to be able to receive funding. I followed their instructions and called the reporting agency SEVERAL times to have the dispute remarks removed, and they started a report on the issue. 30+ days pass, and my underwriter contacts me again in regards to the same dispute remarks being there. So today I called back and spoke to them and they told me to pound dirt as there was nothing I could do as the creditor refused to remove the remark event though I agreed to the amounts and dropping the dispute. I feel that my credit is being held hosting from XXXX and Jefferson Capital as I now might lose my funding ( and GREAT percentage rate ) as the dispute remarks will not be taken off. I appreciate any assistance you can provide
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| 05/12/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX. They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud
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| 05/12/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/2021 I called Jefferson Capital because they were calling my personal cellphone repeatedly and I did not know who they were at first. When I found out and called them they asked me if my phone number is ( XXXX ) XXXX and I said " no that is my work number and you guys are not allowed to call that number. '' I then gave them my personal cellphone number and told them that is the only number they are allowed to contact me at. Today, XX/XX/2021 they called my work office and spoke with my boss. They told her they are a debt collector and are trying to collect a debt from me and needed to get ahold of me and that the work number was the one they had. This was not true and I told them specifically they were not to call me at work prior to this. I called them back on my personal cellphone after my boss told me this happened and I told them that is not a number for them to call me at as it is my work and I told them before they were not allowed to call it. They said " we will note the account '' but then proceeded to call shortly after I had ended that call with them.
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| 02/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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Over the telephone, I closed my several years ' long cell phone account with XXXX XXXX which I had been paying off in full monthly and for which I had no contract going forward. I paid the itemized bill that I received within a month 's time of the closing. Several months later having gotten no correspondence in the interim, I received a bill from XXXX XXXX for a single amount due approximately two month 's service, but with no itemization or explanation. When I attempted to review my account on-line it was no longer available. I took no action to pursue their charge, but XXXX has turning over what they perceived as a debt to a variety of debt collectors, the latest being Jefferson Capital Systems ( {$140.00} ). I went to buy a car about 10 days ago and while I did get the 0 % APR car loan, I was dismayed as to how low my credit score had dropped since I had last heard, about XXXX points. I requested my credit report today and while I do n't see XXXX XXXX, I do see Jefferson Capital Systems ( closed ) as another account citing the {$140.00} amount as a reported balance.
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| 10/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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After many attempts contacting Jefferson Capital Systems , LLC, at XXXX, regarding my Identification being stolen. I have yet to get any resolution.
I spoke with XXXX XXXX employed with Jefferson Capital Systems , LLC on XX/XX/XXXX, via email ( XXXX ).
I asked, XXXX XXXX to give me an update regarding a Identity Fraud account listed in my name. Jefferson Capital Systems , LLC is currently Garnishing my wages after I explained, Jefferson Capital Systems , LLC on several occasions that this account was created without my permission.
I have an email where XXXX XXXX confirmed recieving my Identity Theft packet filled back on XXXX, XXXX & has blame the law office of XXXX XXXX XXXX for delaying cancelation of my wages being garnished. This has been extremely frustrating. Jefferson Capital Systems , LLC has continued my wage Garnishment through my Employer due to greed. Please help me stop this Collection Agency, Jefferson Capital Systems , LLC stop the wage Garnishment & immediately refund all monies thats been Garnished. This has affected my mental health badly. Help.
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| 08/20/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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XXXX the phone company has stated that I owe them money for a phone bill while I was on XXXX XXXX XXXX. Not only was it illegal what they did since I was on XXXX XXXX XXXX and I actually went into their store to pause our services during XXXX time. They were charging me {$120.00} so I went ahead and paid it. Theyve continued to sell the debt to different collection agencies. Ive now paid the same debt twice. A new collection agency Jefferson capital systems is now hounding me to pay this debt. I have sent them receipts of other transactions that Ive paid for the same debt. I have called their office. They never have anyone that answers the phone and they instruct me that my account is to be handled by a different phone number, which is not a working number. I have emailed them and texted them copies of the receipts. No ones gotten back to me and they continuously add the negative debt to my credit report. I feel as though theyve broken many laws and rules both Jefferson capital and XXXX XXXX. Id like this debt removed from my credit ASAP given all of this evidence.
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| 02/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I contacted the collection agency to pay the amount due in Early XX/XX/XXXX. We came to an agreement that if I paid them they would update my credit report to show I paid. I did as they asked, they sent me a letter to show I was confirmed to be paid in full. They did not contact any of the three credit bureaus to update my credit to show paid in full. " Months '' went by I noticed not too long ago or currently that there still has been no update. I contacted the collection agency to ask what is going on with my account. The woman I spoke with told me they were not going to change my credit report update because I took too long to call them back about updating the credit report. I thought that I was paying them so that they would change to pay? She told me yes I'm paid in full, even sent me a new letter from their company stating I'm paid in full dated XX/XX/XXXX but told me they are not going to correct my credit report. I need help, I paid them and they still have me as a charge off on my credit report for ( XXXX XXXX/XXXX ), ( Jefferson capital systems , LLC. ).
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| 01/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Original debt was from XXXX for switching from XXXX to XXXX from XX/XX/XXXX. XXXX did not pay the ETF as stated. The original amount was roughly {$600.00}. XXXX and the collection agency now states it is double that and reporting it as {$1200.00} owed on my credit report. I have no other collections nor bad debt on my credit. I have no problem paying what I owe but I did not owe {$1200.00}. I finally attempted to settle and was told over the phone that upon paying the settlement of {$370.00} on XX/XX/XXXX with Jefferson. They assured me they would delete upon payment. After disputing with credit bureau they updated the XXXX report as only reflecting that I simply made a {$370.00} payment and the balance of {$880.00}. When calling them to ask why did they not just tell XXXX it was paid and settled and to delete as per their verbal agreement they proceeded to tell me that " well a lesser balance owed is going to look better on your report anyway '' NO!! That is not what was agreed upon!!! They even sent a letter to my email stating " payment was made and closed ''.
|
| 09/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I reached out to Jefferson Capital Systems on XXXX/XXXX/2016 after finding a Collection account on my credit report on XXXX/XXXX/2016. I spoke with a male representative on the phone. After the gentleman was able to locate the account we verified some information and found that they had an incorrect address and the account was not verified. I explained to him my concern which was the credit collection report and improper notification & verification of this account. I told him I wanted to pay the account for the full balance due and have this removed because I was not properly notified. He furthered explained to me that the account was still owned by Jefferson Capital Systems, however, it was sent off to a 4th party collection agency and I would have to pay them. I then go into further detail about the issue now and explained that I did not feel comfortable paying another agency for collection owed to them. The gentleman told me, " I 'm sorry but there is nothing I can do. '' I advised him that I would be reaching out to several different agencies over this matter.
|
| 11/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/2020, I sent a letter to Jefferson Capital Systems, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with XXXX and XXXX, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
|
| 10/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
fraudulent account made by identity theft. A man name XXXX XXXX who I worked with acquired my social security number by looking at my old tax returns while I wasn't present. He started a XXXX phone service account in my name which later went to collections. XXXX is aware and still has not removed the account. they sold my personal information to a third party which they shouldn't have had in the first place. This account should not be furnished on my consumer report as they are in violation!!!! Under
15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
|
| 09/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called Jefferson capital systems LLC, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted Jefferson Capital systems LLC and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from Jefferson capital systems LLC saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that Jefferson capital LLC, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
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| 06/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the deletion of the accounts listed IMMEDIATELY! 13. 8K
|
| 06/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX, Jefferson Capital Systems opened a collections account for a debt that they claimed I owed for an old phone bill. Several agencies have attempted to collect this debt in the past, and each time I have requested a copy of the contract to verify the debt. When Jefferson Capital first contacted me, I replied to their request on their website, disputing the validity of the debt and requesting a copy of the contract. They provided nothing in response but instead have added the account to my credit report at all three of the major bureaus. I have disputed the entries with those bureaus, but each time Jefferson has " verified '' the accuracy of the information with them and the items remain on the reports.
On or around XX/XX/XXXX I called Jefferson Capital to request that the items either be verified properly or removed and again I have received no response.
Jefferson Capital is refusing to provide proper verification of this debt and as such should be required to cease its collections efforts and remove the offending items from my credit report.
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| 10/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Jefferson Capital has a history of misreporting collection dates to give accounts new DLAs and further damage peoples credit. They recently purchased a debt from XXXX XXXX. The update they added on XX/XX/XXXX via my dispute with XXXX was the historical account data which according to them is a major delinquency in XXXX of this year, when in fact they failed to update that date to correctly reflect the original date of XX/XX/XXXX, not XX/XX/XXXX, which is the disputed item at hand.
They failed to update the dates to the correct dates, even via a dispute with XXXX.
JEFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX They added this derogatory item subsequent to the dispute I filed, which is not relevant to the reporting. They purchased the debt on XX/XX/XXXX. There is no " 1st Rptd '' of anything in XX/XX/XXXX <<<<<<<<<<<
|
| 07/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I had a contract with a small XXXX XXXX that XXXX XXXX calls to/from XXXX XXXX XXXX was bought by XXXX & my coverage plan was grandfathered in In XXXX Suspended cell for 2 months while traveling internationally Called to reactivate Agent offered better plan instead I repeatedly CONDITIONED acceptance of NEW PLAN on continuation of free service to /XXXX XXXX Agent repeatedly assured me it would be free Months Later found out she thought XXXX XXXX was part of XXXX XXXX & incorrectly Made repeated assurances it was free Got 1st bill in XXXX XXXX XXXX they had billed me extra - i paid base fee - they wrote off $ XXXX & said they would fix it Next month bill was {$400.00} too much - wrote off excess again & said they would fix it Next month was $ XXXX too much This time they refused to write it off After many hours off verbal & written communication They explained they could not reactivate my original plan I refused payment - they sent it to collection 7 years later Now on XXXX or XXXX collection agency This was a bait & switch & i want it OFF my credit reports
|
| 08/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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I have an account showing on my credit report with XXXX. I call XXXX and was told they sold my account to Jefferson Capital Systems , LLC, located in XXXX MN XXXX. Jefferson is not the one reporting this account on my credit report however they are the ones that have this debt in their possession. Unless you have limitless amounts of time to sit on hold you get no answer to the phone calls. I have called XXXX times today alone and sat on hold for over a half hour. I have tried to call during CST time as I am in the same time zone. called them at XXXX in the afternoon and their office was closed.
I would like to get my debt paid and off my credit report however I have no way of getting it. Website they provide does n't have any contact information other than the email address which they stated they will not provide me with information.
How does a consumer pay off their debt when they make it impossible to get the statement to do so?
I have to take time off of work to call these folks and try and get some sort of resolution I want to get this debt paid.
|
| 07/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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First of all, I want to start with that my first complaint about the XXXX XXXX in your file from 2020 was never resolved. The creditor had charged my account twice for a product not ordered nor received. They only credited me once, so the amount is still owed to me, please follow up.
Secondly, I now receive a debt collection request from XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, or XXXX XXXX XXXX, XXXX, NC XXXX, original creditor XXXX XXXX XXXX XXXX {$4000.00}, phone ( XXXX ). I requested validation of debt since the original creditor disputes the existence of this account.
Instead, I receive an ID theft form that asks for all my personal information. Certainly, I will not give this to a scam company, and ask that you request that this company pays the {$1000.00} FDCPA penalty directly to me, since they can not provide an itemized statement nor any validity of this debt within 30 days as requested when the first debt notice was received. Otherwise, JCS, XXXX would also need to pay my legal fees, while this matter will go to court in WA.
|
| 12/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX XXXX has been reporting a {$2000.00} collection account on my credit report. I have never had any business with XXXX XXXX. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation, which I know to be a lie. I have disputed this transaction several times on my credit report through XXXX. It was removed once and then the company reported it again. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent XXXX XXXX requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from XXXX XXXX. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with XXXX XXXX.
|
| 04/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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Recently I found an item on my credit report from this organization. It came as a surprise as I had not received any notification, verification or communication from them.
Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. The accounts seem to have a pattern of being opened, quickly used, never paid on and subsequently closed.
I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this, though only XXXX is currently being reported. I do not know of the accounts in their office and had they attempted to contact me, I could have advised these are not my accounts as these accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit.
Despite this, they continue to report inaccurate data on my credit report and leave the file open using it as leverage in a sick attempt to force payment.
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Jefferson Capital Systems LLC is trying to collect a fraudulent ( never existed ) debt of XXXX.
Some months ago I received a letter from a company called " XXXX '', I believe they claimed that they were based in Minnesota. They claimed that I owed a debt of over {$2100.00} from a XXXX transaction. I had NO recollection of ANY unpaid debts, and so I contacted XXXX, which said that no such transaction had ever existed in all their years of records for my ( long unused ) account with XXXX.
XXXX repeatedly called me. After repeatedly telling the callers that XXXX had confirmed there is no such debt as the one claimed they still persisted.
XXXX sent me a letter ( from Illinois ) claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule. I believe that they said they were part of " Jefferson Capital '' On XX/XX/2021 I received a notice in the mail from " Jefferson Capital '' claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule.
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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XXXX XXXX XXXX is reporting a debt of {$130.00} owed. The original creditor of this bill should be XXXX XXXX. It would be a wireless phone bill. However I don't understand how it has gotten on my personal account, it was a business phone. The account was set up with a credit card. The account was paid on time every month, by automatic withdrawal with a credit card on file. Any arrears should not have happened, because the phone was transferred the day after the bill was due, so XXXX XXXX should have been paid.
I travel a lot for several months at a time, so I don't always get a chance to correspond with letters sent, especially if I am out of state, which I usually am. I have never missed a payment and paid on time every month.
I tried calling XXXX XXXX XXXX and XXXX XXXX last year to try and resolve this problem. XXXX XXXX Customer Service Reps, took me in circles and had me on long hold times only to tell me I had to call XXXX XXXX XXXX. XXXX XXXX XXXX, if I remember correctly ( no one came to the phone was always on hold for a very long time ).
|
| 01/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/2020 I mailed a letter requesting that my debt with Jefferson Capital Systems be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.
1. A detailed and itemized statement of ALL activity to this account.
2. A contract bearing my signature that binds me to the debt.
3. The photo identification I must have provided at the time of starting services.
4. An itemized statement breaking down the balance you claim I owe.
5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account.
The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.
|
| 05/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am filing a complaint against Jefferson Capital Systems who has illegally accessed my personal financial information and used it for their own gain. They have underhandedly used the following set of USC Codes to obtain debtor information in order to collect on a debt that I do not owe : 15 USC 1692e, 1693-1693r, and 1693e. 15 USC 1692e of the Fair Debt Collection Practices Act, states that debt collectors are prohibited from using false, deceptive, or misleading representations when collecting a debt.
The Fair Credit Reporting Act, as outlined in 15 USC 1681-1681u, sets standards for credit bureaus and third-party debt collectors to maintain consumer credit information. It also requires them to provide debtors with accurate credit reports and dispute inaccurate information.
Furthermore, the Unfair or Deceptive Acts or Practices Act ( UDAP ), as stated in 15 USC 45-56, prohibits Jefferson Capital Systems from engaging in unfair or deceptive practices when collecting a debt. This includes misrepresenting the nature of the debt or the amount due.
|
| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XX/XX/XXXX : My Identity Theft Protection service alerted me to fraudulent activity on my account. I was told to contact XXXX XXXX XXXX XXXX. Discovered that my identity was fraudulently used to set up an account to purchase 3 devices and 4 lines of service. The charges amounted to {$2500.00}. Account # XXXX.
XX/XX/XXXX : I completed and submitted an Affidavit of Fraud to XXXX XXXX XXXX XXXX via email, Reference # XXXX.
XX/XX/XXXX : Received email from XXXX XXXX XXXX XXXX that my claim was investigated and determined that I was NOT responsible for any charges to that account. XXXX stated that they would submit request to the 3 major credit reporting agencies to remove me from any reporting on the account. Copy of the XXXX letter is attached.
XX/XX/XXXX : Received Alert Notices from my Identity Theft Protection Service with negative activity on my report. I called my XXXX XXXX XXXX, and discovered that there now is a debt collection agency ( Jefferson Capital System ) attempting to collect on the fraudulent XXXX account balance of {$2500.00}.
|
| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
2017 XXXX placed past due on credit report. Contacted XXXX multiple times via phone and in person at multiple stores. Informed me that i owed on a cell phone bill which was past due. I explained I haven't had a XXXX phone in more than 18 years. They continued to pass the buck and/or call me a liar. I paid them in 2017 approx. XXXX or XXXX to protect my credit and they agreed to clear my name and close any accounts associated with myself and credit and SS #. Now Jefferson capital says I owe them and my acct is in debt collections. I have reached out to them and XXXX with no positive reactions. They still call me a liar and i disputed with XXXX Credit reporting companies which also have done nothing to remove the fraudulent acct. I am being taken advantage of by the fact its small claims and like the banks have told me, " just pay them and get it off my report so i can borrow from them, everyone pays to play ''. This XXXX be XXXX dollars but is a XXXX dollar a year or more scam on the consumers who they create these fraudulent small claims debts.
|
| 08/11/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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So not only will they not prove to me what I owe I know that i owed like XXXX dollars and now it is well over XXXX.second issue is i tried to get in touch with this company for weeks and would sit on hold for hours to be hung up on. Third problem is they told me if i made payments that they would reflect it on my credit every month and they just said that to get me to agree to pay something. Now i call and they say they wont do so until entire debt is paid for. I have researched this company and they have tons of reviews stating that once paid they dont report that it is. My last problem is I ca n't believe a word they say now. I want the original amount from the original company because i know XXXX is completely rediculous. They treat you like XXXX and say well it is your credit. I am trying to buy a house and this rediculous company is holding me back. I am willing to pay them XXXX the XXXX for original debt and XXXX just to shut them up and get this resolved but i am at a loss. I need them to report this off my credit and for correct amount.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 05/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To whom it may concern : I am writing to dispute the validity of your company 's collection debt on my credit report. According to my records, I have no outstanding debts with your company or any other creditor listed on my credit report.
Therefore, I request that your company provide proof of the debt. In addition, as per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Therefore, I ask that you provide me with the following information : 1. The name and address of the original creditor.
2. The original account number.
3. The date of the original debt.
4. An itemized list of all charges, fees, and interest accrued on the account.
I also request that you cease all collection activity until this matter has been resolved. Failure to provide me with the requested information within 30 days of receipt of this letter will result in my assumption that this debt is invalid. Please send this information to the email provided.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
-On XX/XX/XXXX I sent a Certified validation request letter for collection on my account for {$970.00} from Jefferson Capital Services . In my letter I asked for all validating documents I have the right to see and gave 30 days to them. I waited months For a response yet they continued to report on my credit file. Come XX/XX/XXXX I still hadnt heard from the company yet my credit remains so I decide to resend another certified validation letter which was delivered XX/XX/XXXX & still until this day they have not validated this debt and not supplied not one peice of proof showing I owe this debt yet they continue to report on my credit reports. I waited another 30 days for response and nothing still. On XX/XX/XXXX I sent another certified letter requesting/demanding removal of this debt from my reports given they have not supplied bo evidence of this debt being owed in the past 5 months. I also sent my information to the actual bureaus requesting removal. As of today nothing had changed and still no proof of this debt being owed and now Im here.
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX is the current creditor for a XXXX XXXX account. The total amount of the debt was {$1000.00}. On XX/XX/2018 I called XXXX XXXX and spoke with a supervisor named XXXX XXXX. He told me more than once we were on a recorded line. We agreed to a settlement in full amount of {$520.00}. I asked him to email me this information before I agree to it. He explained he couldn't for security reasons. He went on to say I would receive this agreement via the US mail system and another notice saying it was settled in full once the {$520.00} was paid. I haven't received either one. He also said my credit report would say settled in full. Again he said I had nothing to worry about as we were on a recorded line. I agreed to the {$520.00} which was paid on XX/XX/2018 as agreed settled in full. My XXXX credit report shows my payment but still shows I have a balance due of {$520.00}. This balance due needs to be removed and show settled in full and I need to receive the notice my debt is settled. I filed a dispute with XXXX with no resolution.
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| 10/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Jefferson Capitol Systems LLC. Which is a debt collection company has repeatedly harassed me called me from blocked numbers all hours of the night. They never sent me any communication about a debt or gave me a chance to dispute it. The debt has been added to my credit report without my consent. They have threatened to share my personal information such as my social security number and my credit report. They have told me that I will be sued and, my wages garnished and put out on the street and that " they deal with people just like me everday and that I will be sorry for not paying them for a debt they say I owe ''. THE amount they are claiming is XXXX. Not to mention they put a extra XXXX admin fee on top of the XXXX bringing the total amount XXXX. Other comments they have made is they do not wan na have me arrested. This company has said that I just need to pay the money there is no need to know any other information and it is not there job to provide it. I reached out to them with returned receipt certified mail and they never responded.
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| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX.
These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/18/2019 |
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
- Their investigation did not fix an error on your report
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Web |
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I have repeatedly attempted to have the information provided by XXXX to be corrected or deleted. There is an accout from XXXX XXXX XXXX on my credit report that had been SOLD to Jefferson Capital. I then asked Jefferson Capital to validate the debt, they could not and they immediately terminated their collection activity on the account according to the letter they have dated XX/XX/2019.
I recieved a letter from Experian on XX/XX/2019, Report # XXXX stating that the information was " UPDATED '' and it was not. If the account had been investigated properly it would be clear that account is no longer in collection and/or deleted. The only change to the report ar in the 2nd " comment : '' area stating " the item was updated from our processing of your dispute in XX/XX/2019. '' If that is true why is Jefferson Capital currently on my report still.
And if XXXX contacted the " data furnisher '' and not used the electronic systems that was used in the last dispute, I feel like this account would be deleted as the credit bureaus XXXX has done.
|
| 02/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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I received a letter dated XX/XX/XXXX from XXXX XXXX , XXXX about an unpaid debt of {$1800.00} I supposedly owed to XXXX XXXX in XXXX. I called XXXX and said this was not my debt. They said they would report it as fraud. On XX/XX/XXXX I received another letter on this matter from Jefferson Capital Systems, supposedly the current debt collection agency. I was told this debt went back to XX/XX/XXXX. I was directed to several alternate numbers in their company and no one could give me any further information on it. I did learn the address for the service was at XXXX XXXX XXXX, XXXX, MI. I told them I had never lived there and in fact have never even been to XXXX! I am a resident of XXXX and have lived here continually since XX/XX/XXXX. Prior to that I was a resident of XXXX. I also tried to call XXXX directly but got no where. I am a member of XXXX and I contact them. They requested I call XXXX XXXX again to find out what information was used to open the account. The closed account department said their records did not go back to XX/XX/XXXX.
|
| 01/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.
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| 06/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX XXXX stated to me on XX/XX/XXXX that I had a debt to them for {$2500.00} that they was sent from another collection company being XXXXXXXX XXXX in which is XXXX XXXX. XXXX XXXX XXXX did not send me any kind of letter of no kind to the said debt by law. I also had a right to dispute the debt before XXXX XXXX XXXX placed it on my credit file. XXXX XXXX XXXX could not even tell me what the debt was they told me to call XXXX which is XXXX XXXX phone number in which I called and was told it was being sent back to XXXX XXXX XXXX. I have also place a copy from the Consumer Financial Protection Bureau Complaint Number XXXX dated back on XX/XX/XXXX as submitted and XXXX XXXX responded back on XX/XX/XXXX as the disputed account has been removed from my credit report and that all 3 credit bureaus should have been sent as well. XXXX has been nothing but a nightmare dealing with the issue at hand.
Attach is a copy from the company responded back as to the complaint filed to the Consumer Financial protection Bureau complaint number XXXX as proof
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| 01/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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These con people are conning me with there customer service there are in violation of 15 usc 1681i ( 5 ) The date on there contract, which is for XX/XX/31 which are is in the future, which means void.
They sold illegal debt to jefferson capital system llc, Jefferson capital system stated they they been ask for trade line be removed and deleted last year. The address they have of me is not mines never have live there. My credit report can prove it on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
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| 06/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I started out by getting a catalog in the mail anonymously from XXXX XXXX I then impulsively without going through my payee opened up a credit line is my own guardian which I have the ability to do racked up a bill pay you was upset it's all paid off now XXXX sent me the items I ordered then after I ordered them and they were sent to me to return them in good condition they claim they never got them back so they charged me finally wrote off the account to Jefferson capital system 's LLC XXXX XXXX will not negotiate or work with me or my payee they were very unprofessional and dare I say threatening and rude I will never go through them again the interest rate was really high if anybody 's victim they were the criminal and I was the victim because they sent me and reached out to me and targeted me with the credit line and the actual catalog. Also Jefferson capital systems LLC worked with my payee and I only got it all paid off letter of confirmation is coming your way to credit bureaus to listen derogatory Mark of the XXXX XXXX account.
|
| 09/09/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
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Company name JEFFERSON CAPITAL SYSTEM .date XX/XX/XXXX.
Company is false reporting under my name .I made no inquiries to this company on such date. I called several times about this issue and nothing has been done.
This debt is the statue law of limitations! Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. Subchapter ( 15 U.S. CODE S 1681 ).
The above date is an incorrect date. The original date is stated XXXX XXXX. From The company XXXX XXXX XXXX Which the debt is being passed off to JEFFERSON CAPITAL SYSTEM. Which I never agreed too.
This is now fraudulent activity on my report and I deman this to be removed under the Texas state law of statue. ( Any ) person who willfully fails to comply with any requirements imposed under the Texas state law of statue with respect to any consumer is liable to that consumer in any amount in the sum of-
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately ( attached in doc ) Also, please add a promotional suppression to my credit file.
|
| 09/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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I have received correspondence from Jefferson Capital Systems LLC ( JCS ) and they are alleging that I owe a debt. They have not provided name or address of the original creditor. They are in fact a debt buyer and have no license to collect in the state of California in which they are trying to collect from. They have given false and misleading information to the CRAs and have caused great damage to me and my credit report. Jefferson Capital has shown gross negligence in their practices and have violated the FDCPA and FCRA in countless ways. JCS created an account " for me '' using my personal identifying information without my consent and have contacted me more than once without my permission. I have requested for validation of the alleged debt and it has yet to be validated. I will be sending out a second request & notice of dispute on Monday ( see attached ). They have caused great injury to me and my reputation by negatively reporting this alleged debt and causing me to have stress and anxiety whenever this matter is brought up.
|
| 02/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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5 years ago, I purchased a XXXX ridgeline with XXXX XXXX the loan was with XXXX XXXX acceptance for {$11000.00}. I've been making payments on the vehicle for about XXXX and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called Jefferson Capital Systems LLC saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.
|
| 03/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX a debt verification letter was mailed to Jefferson Capital Systems via Certified Mail.
On Monday, XX/XX/XXXX, I received a letter from Jefferson Capital dated XX/XX/XXXX. There was no postmark on the letter.
The letter states only that they have puchased the debt in question, and that verification is enclosed. The only enclosure was a photocopy of a bill from the original creditor dated XX/XX/XXXX.
The information received from Jefferson Capital is not enough to verify the alleged debt. They failed to provide further information that was requested in my debt verification letter, such as the date the debt was purchased.
In addition, the account is reported as opened XX/XX/XXXX, over two years past the date on the photocopy of the bill provided. I believe the debt age is being incorrectly reported to the bureaus, which is in violation of the FCRA.
Until recently, I was unaware of said alleged debt, and Jefferson Capital Systems has failed to provide adequate documentation to justify further collections efforts.
|
| 11/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This is a bill from XXXX, from XXXX XXXX XXXX. They set the account up with my SSN and my daughters name. We tried numerous times to correct and they never did. We switched users and they say we owe them. Not sure at this point what it is for. I tried numerous times to straighten this out. They turned the account over to XXXX XXXX. We got numerous bills from them saying they would offer a settlement for x amount. I disputed this on my credit report because this is not my name on the bill, but on my credit report because of my SSN. The dispute came back in their favor. I got sick of fighting with them so I took a bill they had sent and paid the amount it showed. Sent that bill, my check with paid in full on it and mailed it to them. They cashed the check. I then got another bill from them. I called regarding it and they stated the amount I paid was on a expired offer. However they cashed the check. I feel that they have been paid and I actually paid a bill that is fraudulent beings it is not my name on the bill but they have my SSN.
|
| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American, Servicemember |
|
This debt collector XXXX XXXX XXXX, XXXX keep harassing me by telephone every other day by having different people to call me about a XXXX bill that was not settled back in XX/XX/2012. I inform the creditor then that I was not responsible for them given an authorization regarding this account to another person, therefore I could not afford to pay the debt then or now. I am XXXX years old XXXX on a fixed income. I barely can pay my rent, buy my meds and food with what I have in income. I could not possibly give them over a thousand dollars not ever. But these different people from XXXX keep calling asking personal questions, refuse to stop calling me after I tell them not too! It is harassment ; disrespectful and it upsets me with my current medical condition. I have ask them to stop and have blocked their number, but somehow they keep calling and even have tried to send me mail. I will not respond to their threats and offers of solutions because I can not afford to pay for someone else 's mistake on this very old account with XXXX.
|
| 10/31/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Jefferson Capital Systems , LLC acquired an overdue debt from XXXX XXXX in the name of XXXX XXXX, reflecting an outstanding balance of {$14000.00}, approximately XX/XX/XXXX. The outstanding debt is related to the purchase of a XXXX XXXX XXXX To accommodate the refund of the balance, I was given a payment of {$3000.00} as a total payment, payable in 48 monthly installments of {$62.00}. To take advantage of this special rebate plan with discount, the first payment must be made before XX/XX/XXXX. I could not make any payment since there was a reduction in my work hours to 20 hours per week at {$7.00} per hour with a salary Week of {$690.00} monthly. Unable to comply with the payment, deliver the bus as a guarantee. In addition, the bus suffered damage with the passage of Hurricane Maria and had to take a loan to XXXX to secure it. Currently Jefferson Capital System has sued me and they want me to pay the amount of {$14.00}, XXXX. This situation is affecting my health. I need you to help me since I don't have the money for a lawyer.
|
| 07/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received an email notification from my credit monitoring service that a collection has been added to my XXXX credit report by a company named XXXX XXXX XXXX for a XXXX account that I do now owe. The XXXX account was from XXXX and has been removed from my credit report years ago. This collection company, XXXX XXXX, has never sent me any correspondence regarding an old debt they purchased from XXXX. The debt does not belong to me. This collection has damaged my credit score by almost 85 points! I will be filing a civil action against this collection company for reporting a debt on my credit report that I do now owe. At this time, I am requesting CFPB to investigate this matter for this collection company to remove this alleged debt from all my credit reports. Further, I am requesting certified correspondence sent to my address and recorded statements indicating I owe a debt to XXXX XXXX XXXX. I am attaching documentation showing proof that the XXXX matter has been disputed and resolved more than two years ago.
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.
|
| 12/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
There are two negative collection account being reported on my credit file from the following two collection companies : 1 ) XXXX XXXX XXXX XXXX {$1600.00}. collection acct from XXXX XX/XX/XXXX.It XXXX XXXX XXXX shows on my report as the acct was opened on XXXX XXXX, MN XXXX XX/XX/XXXX. THEIR ACCT # XXXX XXXX * THE ACCT XXXX XXXX XXXX WAS CLOSED IN XX/XX/XXXXAND PD. THE DATE OF THE 1ST LATE PYMNT WOULD BE WELL OVER 10 YEARS AGO. COLLECTION CO IS ACTING ILLEGALLY BY REPORTING THIS TO CREDIT BUREAUS AS THE ACCT IS WAY PAST THE LEGAL DATE FOR IT TO BE ON MY CREDIT FILE. ALSO, NO ONE HAS MY SIGNATURE IN ORDER TO OPEN THE ACCT.
2 ) XXXX XXXX XXXX A {$57.00} collection acct from XXXX XXXX XXXX opened XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, GA XXXX ACCT WAS CLOSED OVER 7 YEARS AGO, AND THE DATE OF THE FIRST LATE PAYMENT WAS IN XX/XX/XXXX.I AM NOT AWARE OF ANY AMOUNT DUE ALSO.
IT IS NOT LEGAL FOR EITHER COLLECTION CO TO REPORT ANY DEBT TO ANY CREDIT BUREAU BY FALSIFYING THE AGE OF THE DEBT INVOLVED.
|
| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. Part of their investigation involves them forwarding the dispute to the company. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of this debt/ account I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. This specific account I am disputing has been deleted by the original creditor after investigating a dispute, and has made it to the collections section of my credit report which is heavily damaging my credit score. This company has failed me as a consumer by not complying with my consumer rights by continuously reporting unidentified and unverified information.
|
| 09/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Today, Saturday, XX/XX/2022, I just received a debt collection notice in the mail from a company called Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX XXXX, Minnesota. XXXX. The notice states I owe {$1100.00} from a purchase I allegedly made from XXXX XXXX XXXX.
The notice indicates a different name than mine, but it's very similar to my name. The address they mailed it to is my address.
I called the company and explained that I never made such a purchase from any company, and do not owe the money, and I told them to remove it and not communicate with me again.
The representative said they would only remove the name.
Then, I hung up.
I went to XXXX reviews, and read page after page of complaints about this same company that apparently, looks like a scam ; either that, or someone stole my address. Now, I need to check my credit report to see if they tried to put something adverse on it.
They also gave an address to mail payments at : Jefferson Capital Systems , LLC, XXXX. # XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX
|
| 09/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt to XXXX XXXX is a checking account and credit card which is well past the 7 year period a person has to contact them. The company, as of recently, trying to collect the XXXX XXXX debt for pennies on the dollar is : From address : Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Return address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I had already sat in a XXXX XXXX branch, with a customer service XXXX, and spoke over the phone with another customer service specialist regarding this debt collection stretching past the 7 year period which I have proof of from a 2006 credit card statement.
According to " Jefferson Capital Systems , LLC '' they will take XXXX % of the money owed and it will be paid off. From other people online who have fallen for similar debt collection agency tactics it does n't work. XXXX pulled that on people and they are now in a class action lawsuit. These are not fair debt collecting practices, especially regarding the recent climate of the jobs market 4 to 5 years ago.
|
| 09/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX : I opened a dispute with XXXX to verify the account inforamtion and debt being pursued in the amount of {$1400.00} as the collection agency has reached the statue of limitation as well as the 7 year credit repair time period.
XXXX XXXX XXXX : I recieve a letter from Jefferson Capital acknowdeging the statue of limitation and a last statement bill. However per the letter I sent, I requested more information such as the creation contract, last payment, ect.
XX/XX/XXXX : I submitt another dispute to XXXX and uploaded the documentation I recieved as well as the letter I sent to Jefferson Capital.
XX/XX/XXXX : XXXX updated the account to stay on record until XXXX, rather than confriming the discripency of information I requested an never reiceved.
XX/XX/XXXX I received a pay to delete offer from Jefferson Capital for {$960.00}.
This debt collection fraud and it has prevented me from purchasing a home and receiving high interest rates. This is negative effecting my life and would like the is resolved.
|
| 07/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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The reason for my dispute isJefferson Capital Systems was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Jefferson Capital Systems has reported a fraudulent account on my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.
failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.Jefferson Capital Systems is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where Jefferson Capital Systems, are in compliance with OHIO LAW.
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| 09/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 04/13/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Debt Collector has placed a debt against me that is not my debt. This has been going on for years and has ruined my credit. They refused to delete this unknown debt and I have no idea where this came from.
JEFFERSON CAPITAL SYST Account XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$270.00} past due as of XXXX XXXX.
Status updated XX/XX/XXXX Balance {$270.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$270.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I have been with XXXX XXXX XXXX for years.
Please help me remove this.
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| 11/11/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Jefferson Capital provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX service.
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| 08/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In doing further research, I found out that my mobile carrier had a data breach which I was apart of. I was never made aware of it and this may lead to how this XXXX account being established without my knowledge. I have reached out to XXXX and they can do confirm any information.
They can only tell me it has been sent to collection. XXXX can not verify the account because I have no knowledge of this account and can not give any information other than it was bought by Jefferson Capitol System. Furthermore I only found this out because I had applied for a XXXX credit card, I pay all my creditors and I was rejected to my surprise.
I have reach out to XXXX XXXX XXXX in the last 2 month. Every call sends you to one prompted and then to another prompted and thinking you're in queue the system will hang up on, time and time again. I have given more than enough time trying to resolve this myself and now have decided to file this complaint. This is a fraudulent account has cause significant financial stress on myself.
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| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I am reporting this agency and the company called as : JEFFCAPSYS and XXXX XXXX XXXX for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$1100.00} when this charges were fixed and settled by XXXX XXXX top managers 6 years ago. I used to have this account and once I have travel internationally, my phone line was charged roaming for international data used when I did not requested any of that kind of service. therefore, I had reported to XXXX XXXX XXXX as fraudulent action that XXXX XXXX has taken to get money from people. XXXX contacted and submitted my complaint to XXXX and some manager which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this JEFFCAPSYS do not understand it and refused to take it out of my credit report. XXXX XXXX should have records of their mistakes and complaints from XXXX on file against them.
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| 10/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I contacted XXXX XXXX XXXX and they said they were sold the fraudulent account from XXXX in XXXX. I have n't had XXXX at all and the accounts they are speaking about were originally removed years ago due to ID theft with my social security #. When I got on the phone with them they tried to verify my SS # and it did not come up in their systems. They pulled me up by name but the social security number is n't mine. I called them at XXXX at XXXX and spoke to XXXX first and she transferred me to XXXX. XXXX was supposedly working in their fraud dept and helps people who are affected by ID theft. She said she was going to dispute the transactions but I still may need to pay them if they do n't come off. She said she could not give me any confirmation for the disputes. No letters, No numbers, or anything else. She said if the dispute goes through ill see it on my credit report. Basically it did n't sound like they really wanted to help me. They do n't have my correct personal information at all. This debt is not mine.
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| 05/12/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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XX/XX/2020 {$2000.00} reported by collector on their website, logged into my account for them they over payment options and various offers to settle for a lesser amount. while going through the options on the website, i called their customer service to attempt a one time payment for settled amount. customer service rep told me they couldn't settle for that amount and then proceeded to tell me their website had a glitch and now of the offers would settle my debt. and the only amount that would, would be the {$2000.00}. i asked multiple times about the settle for less amounts and payment options on the website and even cited a recent letter from them that offered all the same options. and we told repeatedly that any payment offer i accepted wouldn't cover the amount of {$2000.00} to pay the debt off and anything less would leave me with the debt still unsettled. their website and a few letters all present the company as these are valid offers to settle. this customer service rep contradicted all of those things.
|
| 12/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
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|
Web |
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appreciateI received a letter from Jefferson Capital regarding an old debt that they bought. I contacted them to pay it off. I was told they did not accept debit cards and needed my bank account information. I am not comfortable with giving out my bank account number. That was last week and since then they call my work phone ( I mistakenly called from my desk phone ) 5-10 times a day. I have spoken with several people to tell them not to call my work line. One particular rude representative talks over me, keeps repeating the same thing over and over until I have to hang up on him. There is no need for it. I called them to resolve the debt. It is not my problem that they do n't have good business practices and ca n't accept card payments on the phone or on line. I will mail my payment because I want to clear this up - hence the reason I called them last week. But I do n't appreciate the harassment at work after telling them several times ( sometimes multiple times on one call ) not to call my work phone number.
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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I have this amount on my credit score by the cost of {$1300.00} and its for something having to do with XXXX. I have never had XXXX before in my life I dont know how that got in my credit score or how in the world I owe that amount but I know Ive lost my social about 3 maybe 4 times in my life and I know this has to have something to do with me losing my social because how would I have some random amount of that nature in my credit Im actually gon na try to contact you guys to see if you can help me remove this amount because Im not gon na pay for something I had nothing to do with and honestly this random payment has been ruining my youth for a couple of years now Ive been trying to open my first bank account so I could save money to help me get my own spot and I wasnt able to, and when I saved up the money which was about a year ago or so I still was not able to because of my credit score.. I really need help with this because it honestly wrong for this to ruin my life and I wasnt even the person to do it.
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| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was a victim of idenity theft I look at my credit report and see things I never applied for or have no knowledge of. these false allegations is becoming stressful because its reporting negatively on my credit report cause me unwanted stress. I would like for these false reports be deleted as soon as possible. I never did any businees or agreed to do anything with XXXX XXXX XXXX so I don't know how they got any of my personal information. I see they got it from a company called affirm in which this company already has my identity theft report that was sent to them back in XXXX or XXXX so I don't understand how XXXX XXXX XXXX got my information and how they reported it illegally to the credit bureau 's which is misleading correspondence debt collectors arent allowed to give false information about you to anyone including a credit reporting agency!!
I want you to cease and desist all comunnication with me immediately and to stop reporting false information to the credit bureaus within 7 days of this letter.
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| 04/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I already complained to XXXX because they added this to my file without notifying me. I asked for a verification and all they sent me was a vague letter with 6 months of bills for 4 phone lines when I only had 2. According to the CFPB there criteria which are required by law when sending a notice like this.
The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information.
The last bullet point wasn't included on this vague letter. I received the letter on the XX/XX/XXXX and it has been over 5 days. XXXX XXXX is required by law to clarify that within 5 days of initial contact.
I have attached the letter for verifcation
|
| 03/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
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My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
|
| 09/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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On XX/XX/2020, I received a phone call from Jefferson Capital representative named XXXX regarding an attempt to collect on an alleged debt for an account they have labeled as XXXX. I indicated while in the call that this debt is not mine and that I need validation to provide me with evidence that I am the intended party. XXXX indicated that Jefferson Capital had evidence that I am the intended party such as my signature and would reply to my request. However, a week letter I received a letter from Jefferson Capital for a settlement offer instead of debt validation. This misrepresentation from Jefferson Capital is a direct violation of my rights under the Fair Credit Act, in which I am entitled to the documentation of debt responsibility when requested either verbally or via correspondence. Jefferson Capital has verified that this account XXXX is in fact mine to all three Credit Bureaus and to date have not provided me with the evidence that they have submitted to the credit bureaus when I made the request.
|
| 07/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX failure to rebut, answer, respond, to conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
|
| 07/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I noticed recently that i had a {$1200.00} garnishment withdraw from my bank account. I have never received anything in the mail, from the courts, or any phone calls to indicate this old debt. After contacting the creditor listed through XXXX XXXX, I learned that they issued judgement for a Credit Card account opened in XX/XX/XXXX. Upon asking for further information they provided me with : the original household credit card open date, of XX/XX/XXXX said it was charged off XX/XX/XXXX and was simultaneously sold to XXXX XXXX on that same date. And on XX/XX/XXXX it was then sold to Jefferson Capital. I have asked for information that dates back to the opening of original account. From what I have been informed and also read, it appears that even if this account is mine, the statute of limitations ran out in XX/XX/XXXX. The attorney that I have consulted with is associated with a cost of nearly the cost of the garnishment. So the next most affordable thing instructed to do was to be here, filing a complaint.
|
| 04/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account.
-I learned XXXX had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. XXXX refuses to close the account while it is under investigation with their collections company, Jefferson Capital.
** Strangely both Jefferson Capital and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent XXXX account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX.
Thank you so much!
|
| 11/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me.
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out this Debt Collecting Company I mentioned that I do not acknowledge this debt that they are making efforts collecting on.
I requested a Validation of debt.
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor.
However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt.
There is lots of inaccuracies with reporting This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating.
I now demand that this information be removed if they are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.
|
| 09/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
As of XX/XX/XXXX, having the good faith belief that the small amount of information I received from the plaintiff '' ( Jefferson Capital Systems ) '' and plaintiff 's attorney ( XXXX XXXX XXXX ) ; might be accurate. I spoken with plaintiff and plaintiff attorney about reducing the debt amount from XXXX to what I agreed to the creditor '' ( XXXX ) '' in XX/XX/XXXX, for the amount of {$300.00} on a {$500.00} balance before class action lawsuit that was filed in XXXX, Ga for their predatory banking lending practices. I never received any notification so I assumed that my account was dissolved in the class action lawsuit, until I received correspondence from Jefferson Capital Systems stating they were suing me for a debt they claim to have rights to collect. When I reached out to plaintiff and plaintiff attorney upon receiving correspondence of a summon to resolve matter of debt in the amount of {$300.00}, neither was willing to work out anything based on the terms that was already presented to me by XXXX.
|
| 05/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2019 I sent a fax request for verification on XX/XX/2019 I sent a certified letter for verification as of XX/XX/2019 I had not received any communication from this company ( Jefferson Capital systems ), when I requested information the tried to send it to another collection agency to collect but I also sent a request to that company as well which ( XXXX XXXX XXXX XXXX ). XXXX responded I have attached a copy of there response. Jefferson did not respond so I reached out to them to request that they cease collection and remove this account from my report since they didnt send verification nor respond within the allotted time for fair debt collection. I was advised by XXXX they he was not able to make that decision so I ask for a manager I was then transferred to XXXX who I advised of the situation and my request and I was told that I need to call back to speak with the correct department which I was under the impression they were the department since they both made attempts to collect the debt.
|
| 03/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital continues to call me for a debt that is my Fathers and not mine. The calls continue to come from spoofed local Caller ID numbers. Also this debt is more than 7 years old and yet they continue to call me even though I have explained that to them. The gentleman who called me was clearly not from the XXXX and even when I explained to him that it was not my debt he continued to garras me telling me I had to confirm my social security number with him which I refused to be cause it was not my debt. He then moved on to call me a liar and that I was clearly lying and that I would die in my web of lies.
I realize a lot of debt collectors are outsourcing their call centers to XXXX based companies, but this is unacceptable because they are still calling XXXX XXXX and representing XXXX based companies yet violating federal laws.
This is not the first time Jefferson Capital has used these tactics to attempt to collect debt that is not mine or that has surpassed the statue of limitations.
|
| 12/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection on my credit report from a collection agency called XXXX XXXX XXXX. I disputed the account with the credit bureaus and I was informed by XXXX to also file a complaint. XXXX stated to me, to file the complaint when I told them I have 2 collection agencies on my report who claim they are collecting for them. I was advised to file a complaint and dispute with the credit bureaus because they did not send or assign anything in my name to a collection agency. I actually have two collections on my credit reports who claim they are collecting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. I am filing complaints on both companies bc they are illegally attempting to collect on debts they clearly do not own. How is it possible for 2 collection agencies to be trying to collect on the same debt?? XXXX XXXX did not assign the debts. They have yet to properly validate the debt according to the FDCRA. Please remove this bogus collection from my reports and I will not hesitate to take legal action.
|
| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
So Ive been trying to grow my credit score and As of about 1 month ago JEFFERSON CAPITAL SYSTEMS started reporting negative remarks. I had no idea who or what this was. Turns out someone opened up an account with XXXX XXXX on XX/XX/2021. They say I owe {$750.00}. This wasnt me. Ive had XXXX phone lines open with XXXX XXXX for almost 2 years. My phones are almost paid off. I dont miss my payments. Why would I go to a company like XXXX XXXX anyway. Trash service. I called JCS and the guy clearly was foreign and I couldnt understand his name but he asked for my social security number over the phone. I told him I wouldnt do that and he insisted this. I NEVER opened this account! Ive disputed this twice with my credit account and they just updated my info. This is absurd. All I have to do is prove my location compared to where this was purchased or where was the money coming from? I know it didnt come from my account for sure. I need this removed from my credit account ASAP. Stop all debt collection!
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX my XXXX XXXX contact was mutually cancelled due to the company not being able to provide services at my address. I switched to XXXX network and have been with them since. XXXX of this year I noticed a credit decrease from jefferson capital on my account stating this was for XXXX XXXX I called jefferson capital and asked them to verify this charge and they stated on the phone they don't have any records just an amount owed they also stated that I need to contact XXXX XXXX for records. I then contacted us cellular and they stated to me that they don't keep records once there sent to a collection agency. I called jefferson capital back and told them I would like to dispute this charge as I was never notified by XXXX XXXX that there was a remaining balance nor should there have been. This has been 5 years and no notice or letter regarding this matter. I requested from jefferson capital validation of charges and records from this charge and was only sent two letters with an amount on them.
|
| 07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I opened an XXXX account to double check my credit report. There was an acct for a Jefferson Capital. I disputed it. XXXX IMMEDIATELY said they validated the account.
I then launched a full on dispute with all 3 credit companies. I can not produce anything BECAUSE I DONT OWE THEM ANYTHING. I HAVE ZERO IDEA WHERE THIS ORIGINATES FROM OR WHAT. Apparently, XXXX sold an old XXXX acct ( which I did not do not owe ) to this company.
I want copies of anything and everything that proves I owe this bill. I want this matter closed out from my credit report immediately and I want XXXX to produce whatever documents they used to verify this account.
Otherwise, Im prepared to sue them both over this! I've been doing what I'm supposed to be doing to clean and clear and for them to immediately say " oh, yeah, you owe this ... '' is absolute XXXX XXXX.
Thank you. Again, please ask that I get copies of all of the information someone has at their disposal to resolve this matter.
Thank you.
XXXX XXXX
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a a unverified account from Jefferson Capital System. I had previously disputed this account. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.
I request that Jefferson Capital System Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Jefferson Capital System Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX. When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact Jefferson Capital System, LLc. I did. I sent Jefferson Capital Systems a Debt Validation Letter.
I was told by Jefferson Capital System that my account with them was paid years before and that this account long ago should have been removed from my credit file.
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this.
I do not understand why the XXXX XXXX XXXX has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The XXXX XXXX XXXX
|
| 03/24/2021 |
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
|
|
Web |
|
|
On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation.
On XX/XX/XXXX, Jefferson Capital assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam.
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from Jefferson Capital regarding this account that has been verified as a fraud. Jefferson Capital has since passed the account to XXXX XXXX XXXX. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.
|
| 08/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022, I sent the certified mail for this company to cease and desist, in Pursuant to 15 USC 1692c. ( c ). This company has not produced the following and have violated my rights : Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.
Remove all remarks or comments off my consumer report.
Pay the attached bill of particulars for every violation labeled in the attached exhibits.
Return requested documents 1. Name and address of the original creditor who created the debt.
2. Name on file of alleged debtor.
3. Alleged account # 4. Date of original charge or delinquency.
5. Was this debt assigned to a debt collector or purchased?
6. Amount paid if debt was purchased.
7. Documentary evidence that this agency is in fact the holder in due course.
8. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
there is an account from XXXX XXXX being reported as charged of and a collection account from Jefferson capital as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX account, I have never been notified by either of these accounts. I believe Jefferson capital is trying to collect on an account I don't owe.
Jefferson capital needs to send validation that this my account, and same with finger hut. XXXX and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under Jefferson capital.
if this problem is not resolved through this report, then I will have to file a fraud affidavit against Jefferson Capital for being in possession of my person information with out providing any proof why they should be in possession of such information.
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
|
| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Jefferson Capital continues to communicate with me through mail without my permission. They called 3x per day15 USC 1692c ( a ) and were using abusive language 15 USC 1692d ( 2 ). They are violating my right of privacy. I sent them a cease and desist prior and told them over the phone to stop contacting me. They are violating me big time. This alleged debt that I do not owe. Collections agency are stepping out of their lane. I was not sent a letter to dispute or validate this debt. How did they get my information? They bought my information from the credit card issuer without my consent. They sent me a letter telling me to pay debt and get a credit card through their company. Jefferson Capital created a deceptive form to coarse me into paying an alleged debt to them 15 USC 1692j ( a ). Jefferson capital are civilly liable for violating me. I went ahead and mailed Jefferson Capital And the CFPB a copy of my documents via certified mail. I also attached the below. My documents are notarized.
|
| 04/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I used to have phone services with XXXX XXXX when I lived in XXXX XXXX. I move to XXXX in XXXX and had disconnected the service. The phones was traded in with XXXX which, according to XXXX paid the total of {$1800.00} to XXXX for switching carrier. XXXX contacted me multiple times in XXXX and reported the matter to the credit reporting agencies. I did file a complaint with the XXXX XXXX XXXX. I sent them a statement from XXXX that the phones were paid off. The matter was settled and the collection notice was removed from my credit report.
On XX/XX/XXXX, I received a call from Jefferson Capital System, located XXXX XXXX. XXXX MN and they indicated that they were a debt collector. I told them that the debt was invalid. On XX/XX/XXXX, I received an alert of a COLLECTION by Jefferson Capital System - XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX on my credit report in the amount of {$1800.00}. This is a FRAUD as they are pressuring me to pay {$1800.00} which I do not owe.
Sincerely, XXXX XXXX
|
| 10/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX was originally collecting a debt of XXXX from me which was accumulated when they continued to charge me monthly for a contract phone I was not using. I was on my credit account as a debt collection for two years than disappeared. It reappeared but this time it is under the company Jefferson Capital Systems. They sent me a letter saying they are offering me a discounted amount to pay off my debt which I did pay off in full. It showed that my balance was at XXXX. Now on my credit account they continue to have the account open and claim I owe them a balance of XXXX which is not correct. Now I am not so sure this is a collection on the behalf of XXXX XXXX, it is possible they could have found that information and are claiming to collect it on XXXX 's behalf. Now my credit score is being affected by something I paid off and I am not so sure my money was given to the right party. I have tried disputing it, but they keep lying even though I have provided proof of the letter and payment.
|
| 04/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
About a week ago I checked my credit report and noticed a new account in collections. I immediately called the debt collection agency and found out the origin of this debt. The debt was several years old and had been on an automatic payment plan ( the original payment plan was set up through XXXX ) It was my understanding that the automatic payments continued until the full amount was paid off. The bank card that the payments out of was my at the time boyfriend 's, and we split up, so I did not know the payments had stopped. I never received any notice about this debt or I would have taken care of it immediately.
As soon as I saw this on my credit report I called the company and paid the amount in full. My concern is that this will still have a negative impact on my credit score and I have been working very diligently on improving my score, so for a new collection to be added for a debt that I didn't know existed is very frustrating.
Thank you for your time.
Respectfully, XXXX XXXX
|
| 02/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have been calling me multiple times a day and from a different number every time. Sometimes they call from what looks like a local phone number, they don't leave messages and when I return the call to see if it's something I should be responding to, I block my phone number and somehow they know it's me. I have disputed this several times over the past 3 years. This debt is not mine and is incorrect. I have written to all 3 credit bureaus, they just keep sending me letters saying that they're verifying the debt which of course they will verify it on their end when they're trying to collect money from people. The deception lies in the fact that they purposely call from different phone # s that look local or even like an area code that I've recently had communication with. Why do they need to hide behind fake phone numbers unless they're illegally contacting me and others? This is absurd. I'm going to report them to every entity possible including the XXXX and the credit bureaus again.
|
| 12/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a victim of fraud and I currently have accounts on my credit report that are not mines and are reported inaccurately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, JEFFERSON CAPITAL SYSTEM # XXXX. I AM TRYING TO BUY A HOME AND THIS IS PLACING MY PROCESS ON HOLD.
|
| 07/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
this debit was paid to jefferson capital systems llc on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by jefferson capital to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something jefferson capital systems failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since jefferson capital never sent me a letter showing that the debt was settled.
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notification on XX/XX/XXXX that Jefferson Capital System had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of XXXX XXXX and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with Jefferson Capital System or XXXX XXXX. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact Jefferson Capital System but was not successful in getting any additional information and Jefferson Capital System refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a Jefferson representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that Jefferson Capital remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.
|
| 03/07/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
My Tribute card was issued to me in XXXX. I made all payments on time. In XXXX XXXX, Tribute raised my credit to {$500.00} without my request and then closed the company. I called ot make a payment in XXXX, XXXX and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson XXXX XXXX reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company XXXX XXXX then put both accounts that I did not have on my credit with a balance of {$1000.00} without notifying me. I reported the complaint to all XXXX credit entities such as XXXX, XXXX and XXXX and my claim was denied. The credit is reporting on my report for the last 9 years beyond the lawful amount of time of 7 years and is reporting incorrectly. I would like for the account to be removed from my credit report. My credit report shows that I have disputed the account. The company does not meet federal regulations and is reporting incorrectly.
|
| 09/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, Jefferson Capital Syst, and the credit card company is XXXX XXXX.
|
| 04/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Recurrent perpetrator is XXXX XXXX, a.k.a. XXXX XXXX, whose latest scam is against current creditor, Jefferson Capital Systems for {$640.00}. XXXX XXXX continues to use her previous property address, but I bought her property in 2003. XXXX apparently continues to put down MY property address which results in my receiving HER creditors ' letters trying to collect HER debts.
XXXX is not using my name. She is using my address for her credit card scams. Isn't this a form of identity theft?
I have tried writing Jefferson Capital Systems ( as I had to all previous creditors looking for XXXX XXXX or XXXX XXXX ) that I am NOT XXXX, and that XXXX has no right to be using my property address as hers ( since 2003 ).
How do I stop this XXXX from unlawfully using my property address in her credit card scams? I am tired of being accused of being XXXX and I am tired of receiving letters from creditors looking for XXXX who think she lives at my property. She does not and has not since 2003!
|
| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This letter is in dispute of account number XXXX in the amount of {$1000.00}. XX/XX/2012, I spoke to a XXXX customer service rep that misrepresented the unlimited data plan. I was told that it was unlimited data all inclusive, but was sold the product incorrectly, it was not unlimited data. I asked the rep several times before accepting the plan if was truly unlimited and he said it was. I was lure to accept a package that was not actually unlimited data. I would have never agreed to the terms of the plan, if I had known the correct facts. I had also explained to the rep that my husband was injured in XXXX and XXXX retired so I needed a plan that would not be a financial burden. I received a bill that was over $ XXXX-XXXX. I called and spoke to a XXXX manager, who review the recorded phone and indicated that the rep did provide inaccurate information. He also stated there was not anything he could do to help us. We canceled our contract. The charges include early termination fees.
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Jefferson capital system XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear Jefferson capital system I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX.
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone.
Thank you for your cooperation. Sincerely, XXXX XXXX
|
| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sometime between XXXX we switched from XXXX to XXXX under a promotion that XXXX would pay off our phones. They did that and XXXX provided boxes to return the phones, which we did. We spent roughly 2 weeks on XXXX and returned to XXXX at which time they got everything turned back on and issued us new, upgraded phones. We have since fought XXXX on numerous occasions about this debt. I have been told by no less than 8 XXXX customer service representatives that I do not show as owing any amount to them. In XX/XX/XXXX I closed my account and ended all dealings with XXXX. Just now on XX/XX/XXXXXXXX XXXX XXXXs later I receive something about a debt? Why would I owe a debt they didn't care to try to collect for over 2 years? Also why did they let me close my account and walk away if I owed a debt? As I said I have fought, and won this claim that I owe XXXX money, but I do not and I will make XXXX sure they never get another dime from me and as many people as I can tell not to go there!.
|
| 01/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX. I received an alert about debt being added to my credit report. I have no knowledge of the debt they say I owe, nor the company collecting the debt. I immediately disputed the item with the credit bureaus. I also received a letter in the mail dated XX/XX/XXXX advising me of this alleged debt.
1. This company is offering for me to settle for a debt I do not owe. Why would I pay for something I don't owe?
2. This company is calling me after the debt is disputed and still is in dispute with XXXX. They should not be calling me until the dispute is completed.
3. I also sent this company a letter on XX/XX/XXXX disputing this alleged debt and debt validation. There is no original creditor -- only a debt description. I have no idea who XXXX MC is. I never had any dealings with either company.
4. This company states this alleged debt with them is accurate ( with XXXX Dispute ), but I am unable to find any information about this so called debt description of XXXX MC.
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I pulled my XXXX XXXX and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account in dispute are listed below JEFFERSON CAPITAL SYSTEMS I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below
|
| 04/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Jefferson Capital Systems LLC filed a law suit petition with a court within my jurisdiction in Texas. I not once received any notification from Jefferson Capital Systems LLC stating who they were, what they were collecting on or that I was being sued. I had never spoken to them or even had a debt with them. This debt I have now found out was purchased from the original creditor. Jefferson Capital Systems LLC never offered me the opportunity to work with the original creditor. They made numerous anonymous calls to my cell but never once left a voicemail or a call back number. I was able to trace their number to their company and assumed it was fraud since they do n't leave messages. I have been receiving calls from stating they are sending a warrant for my arrest and the numbers left behind are not traceable to a state office or legal office. I am now receiving numerous calls to my cell phone from various numbers claiming to be from a processor which I found out was fraudulent.
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, XXXX from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to Jefferson Capital , LLC. Jefferson Capital has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the XXXX has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX
|
| 12/01/2021 |
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
|
|
Web |
|
|
I have a debt from XXXX XXXX, and it was first made more than 5years ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called Jefferson systems LLC or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report.
I believe that after 180days the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them.
Please look into this and remove it from all of my credit reports. Thank you.
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Jefferson Capital Systems, I have been receiving threatening calls from your company, treating legal action if I do not pay the debt that you claim I owe. However, I have never had any business or financial dealings with Jefferson Capital Systems, and I have never authorized you to place any negative items on my credit report.
I am requesting that you immediately stop all communication with me regarding this alleged debt, as I do not owe any money to your company. I am also requesting that you remove all negative information related to this debt from my credit report as soon as possible.
This is causing me significant financial harm. I am prepared to take legal action if necessary to ensure that my credit report is accurate and free of any false or misleading information.
Please provide me with written confirmation that you have stopped all communication with me and that you have removed all negative information related to this alleged debt from my credit report.
|
| 04/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Jefferson Capital Systems has taken my nonpublic personal information and unlawfully trafficked libelous information to unaffiliated third parties without my prior authorization or consent. The lack of safeguarding and providing disclosures as it pertains to use, and trafficking of my nonpublic personal information is in violation of the Gramm Leach Bliley Act. I do not own this debt and refuse to make any payment ( s ) in connection with the alleged debt. The information is not information relating to any transaction by me. Jefferson Capital does not have permission, consent, nor permissible purpose to obtain, use or traffic my nonpublic personal information. Jefferson Capital is blocking me from having a fair and accurate credit file and has ruined my credibility and reputation. Jefferson Capital has violated various consumer rights, FCRA and FDCPA laws in order to coerce unlawful payment ( s ) from me using oppressive and deceptive tactics for its own financial gain.
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed a dispute with all three credit bureaus against Jefferson Capital and the results came back as accurate. Its impossible! The collection was for a cell phone company that we dont have here in Colorado XXXX They claim it was opened XX/XX/2022 but I lived in Colorado and was on my husbands phone plan and then we switched to XXXX. I can prove that. I think I am a victim of fraud bc prior to that I was on my daughters phone plan. Its been 6 plus years since I moved to Colorado. I need help because according to the fair credit reporting act, the company needs to provide certain information which they did not do. Please help me! I have worked really hard on my credit and after all these years this is ridiculous. I have never received anything in the mail regarding the collection and have zero prior knowledge of this. I know that they have to provide the original contract, account number, date and proof that I own the account and none of that is on my credit reports!!
|
| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I RECEIVED AN ALERT THAT THIS COMPANY HAD ADDED THEMSELVES TO Y CREDIT REPORTS. I DON'T HAVE A CLUE AS TO WHO THEY ARE OR WHY THEY ARE TRYING TO SCAM ME OUT OF OVER A THOUSAND DOLLARS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THEM. I DISPUTED WITH THE CREDIT COMPANY THINKING THAT WOULD FORCE THEM TO SEND ME SOMETHING IN THE MAIL TO EXPLAIN THIS DEBT AND THEY HAVE NOT. I CONTACTED THIS COMPANY AND GAVE THEM MY INFORMATION ( SOCIAL SECURITY NUMBER ) AND THEY COULD NOT PULL ANYTHING UP. NOT EVEN THE AUTOMATED SYSTEM COULD PULL UP ANYTHING VIA MY SOCIAL SECURITY NUMBER. THESE FOLKS TRANSFERRED MY 3 TIMES AND WAS GOING TO TRANSFER ME A FOURTH TIME UNTIL I REFUSED TO. THEM XXXX OR WHATEVER HIS NAME WAS TOLD ME THAT IT WAS POSSIBLE THAT XXXX WOULD NOT KNOW ANYTHING ABOUT THIS ACCOUNT. BUT IT IS SUPPOSE TO BE A XXXX XXXX THAT THE ARE COLLECTING FOR I DON'T KNOW WHAT KIND OF OVERSEAS SCAM ARTIST THESE PEOPLE ARE BUT IT'S DISGUSTING.THIS COPANY NEEDS TO BE INVESTIGATED. ASAP.
|
| 05/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested a copy of my credit report through XXXX and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by Jefferson Capital Systems. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with XXXX and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that XXXX, Jefferson Capital Systems, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.
|
| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On or about XX/XX/2023, a Debt Validation request was sent to Jefferson Capital System via mail. The following items were requested as part of the Validation.
1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt by the Original Creditor.
2. Proof that you are a legal debt collector in California.
3. A copy of the Bond that shows that you are Legally Registered in My State.
4. Copies of ALL Statements from XXXX to XXXX of this Account.
Jefferson Capital has failed to validate this debt and instead referred the debt to XXXX XXXX for collection. Jefferson Capital, XXXX, XXXX, and XXXX have refused to remove this unverified debt from my credit report.
Per FCRA, 15 USC 1681 et esq, I am entitled to a fair and accurate credit report. The inclusion of this unverified debt is a Violation of My Rights under the Fair Credit Reporting Act. It makes my consumer credit report inaccurate and needs to be deleted.
|
| 02/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a debt of {$660.00} to the credit bureaus. This debt originated from XXXX XXXX. I never received ANY form of communication from XXXX XXXX about attempting to collect this debt. I called them today XX/XX/XXXX to resolve the matter. I waited this long hoping would receive some form of communication. When I contacted them, they tyold me my case was being handled by another agency. So they NEVER contacted me, reported it to the credit bureau and sent it to someone else. I contacted that company : XXXX XXXX XXXX. They were very helpful in letting me know I could pay in full or pay half to settle. I wanted it removed from my credit report since I was NOT contacted AT ALL. They informed that only XXXX XXXX could remove it. I called XXXX back and they said NO. They told me they do not have to contact me at all and they can report it at any time. This gave me no opportunity to resolve the matter before it going on my credit report.
|
| 09/03/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
From XXXX until early XXXX, unbeknownst to me, someone was using my identity in Iowa while I was residing in Illinois. These individuals got payday loans, opened up cell phone accounts, credit cards, etc. After finding out this was happening, I alerted the authorities and credit bureaus. Also, the companies that were on my credit report where the fraudulent accounts were opened. One of those companies was XXXX. I have been a customer of XXXX XXXX XXXX for nearly a decade, prior to that I was a XXXX XXXX XXXX. I have never been with XXXX or made a purchase of any kind from them. XXXX knew this, and XXXX was provided all requested documentation to show this was identity theft. I was assured by XXXX this was taken care of and I would have no issues. And yet I have a collection agency now trying to violate the law and collect on a debt not owed. Without any prior contact they have illegally placed this on my credit report violating provisions of the FCRA and the FDCPA.
|
| 07/13/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2020 I send a request for investigation to XXXX. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX.
No Changes Discover Financial No Changes XXXX XXXX XXXX No Changes XXXX XXXX XXXX ( USA ) No Changes XXXX XXXX No Changes Jefferson Capital System Deleted.
On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, Jefferson Capital System. As of today, I am still able to see this item reflected on my credit report.
Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020.
Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.
|
| 05/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
A previous debt for {$530.00} from XXXX XXXX ( Financial ) that was removed from my credit after 8 years, was put back on my credit by Jefferson Capital System as a new account. The original debt was opened in XXXX and removed from my credit around XXXX. Jefferson Capital System put it back on my credit with different opening dates that listed from XX/XX/XXXX to XX/XX/XXXX. I've disputed it multiple times to have it removed, but each time I am told it is accurate. To my understanding, once a debt is removed ( original debt from XXXX ) can not be bought and reaged onto someone's credit again as if it is a new open account. In the last dispute I made, Jefferson Capital System updated the multiple dates they added with XXXX of XXXX, which is still not accurate because the debt is over 9 years old. I had not heard from XXXX XXXX regarding this debt, as it was over 8 years old and had been removed from my credituntil Jefferson Capital System put it back on my credit.
|
| 04/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Hello my name is XXXX XXXX XXXX.
have a ZERO debt profile with a credit score of only XXXX.
Jefferson Capital is the collection agency that are RELENTLESSLY trying to get over {$1800.00} from me for a XXXX bill or debt that is NOT mine. I have tried to no avail to get this company to remove this off of my credit reports. I have requested proof of debt, i have sent in faxes, nothing has worked, As stated above I have ZERO debt and this collection from Jefferson Capital is really a thorn. I take my credit very serious and this debt is causing GREAT HARM to mine and my XXXX year old daughters lives. She wants a puppy and I need space to pursue my art career. Neither can happpen with this collection on my record. I need and want badly for this debt to be fully removed from all three credit bureus so that we can continue our quest to be firs time homeowners here in this great state of Texas. Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 06/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter.
I received her legal information with her last four SS #, her name, and her address.
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well.
I also contacted the lady that I received her information, she also let me know that she received my information as well.
She just put a sticky on the my information and mailed it back.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
about 2017 I lost my wallet so I canceled and I really order a new license in the process. I called the credit and I put a freight in there right now. There is items that are down XXXX. I am tired of telling them over and over that XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX address in XXXX where fraud I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Theyre injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Their injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a XXXX XXXX since 2017 why they still allowing people to touch my stuff.
|
| 10/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson Capital Systems has placed a derogatory remark on my credit report. They are attempting to collect for XXXX XXXX XXXX. Alleged debt amount is {$220.00} I have no knowledge of this account and any other account from XXXX XXXX. Just in the past month XXXX XXXX has confirmed that they do not have any accounts on file bearing my name. This can be verified if Jefferson Capital wants to contact the North Carolina Department of Justice Attorney Generals Office, refer to case # XXXX They can also contact XXXX XXXX personally @ XXXX ext. # XXXX ask for XXXX XXXX.
Also, I never received a notice from this company written or otherwise that they were attempting to collect on this debt. Rather they placed a negative negative remark on my report without offering the opportunity to dispute and or request validation of this alleged debt, which is my right pursuant to the Fair Credit Reporting Act. This is a violation of my rights and a violation of the Federal Law
|
| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from XXXX debt collector that stated I had to pay XXXX ..this debt was originally purchased from Jefferson capital date XX/XX/XXXX. from premier credit card back on date XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to Jefferson capital I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from Jefferson capital was paid off. I asked for them to send me proof of the account agreement from the company Jefferson capital she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me
|
| 12/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 I received a letter in the mail attempting to settle a debt from XXXX XXXX for {$44.00}. I rarely use XXXX and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe Jefferson Capital is phishing me for information or falsely trying to extort money from me.
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim.
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs.
The Company is : Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX
|
| 05/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.
|
| 12/29/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, Jefferson Capital Systems, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital XXXX Systems that they had received my request for debt verification for the account owned by Jefferson Capital Systems, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital XXXX Systems XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015.
I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be XXXX XXXX XXXX.
I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital XXXX Systems.
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a copy of my credit report and noticed a few incorrect accounts. Never received a phone call or letter or any other type or communication from them. I asked the credit bureaus to investigate and the results came accurate. I sent another letter asking how they verified the information and I haven't received any answer. I sent a letter to the collection company and they just sent me a generic bill. I respectfully asked for a proper validation with date of services and proof that statue of limitations wasn't expired and they sent me a letter saying that they can't sue me because the debt is old but they will continue reporting the account with the credit bureaus. They sent again the same copy of a generic bill as proof of validation. According to the XXXX bill they sent the dates are from 2019 which is totally false. I have had XXXX for the past 10 years under my husbands name. I am assuming they are re-aging an old account and is totally against the law.
|
| 08/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For 6 months both Jefferson Capital Systems and XXXX XXXX, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA.
JCS who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX Credit Report, but refused several times to do the same with the duplicate account.
JCS accuses XXXX in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by JCS.
This never verified debt, and this fraudulent tactics by JCS have been damaging my cost of funding and my credit worthiness.
By this conduct I demand XXXX and JCS to remove that account from my XXXX Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA.
In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.
|
| 06/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Jefferson Capital Systems LLC is running a fraudulent company. They are claiming I owe XXXX XXXX {$430.00}. This is impossible considering I currently have a wireless XXXX account that I pay monthly bills for. I have contacted them and they told me I am completely up to date with my payments. If this debt was true, XXXX would have contacted me or not let me sign up with them in the beginning until I rectified this " debt ''. I have googled this " Jefferson Capital '' and there are 100 's of reviews all saying the same thing. They all state that this " company '' is inventing XXXX debts with people or they are buying very old debts and " re-aging '' them to make them look more recent, so they will not drop off people 's credit report. I am very discouraged because I have been working to build my credit and this fraudulent company is trying their best to undo my work by conducting a massive scam. This company needs to be investigated and stopped immediately.
|
| 08/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The debt is past the statute of limitations. The company : Jefferson Capital Systems , LLC XXXX XXXX, MN XXXX Also XXXX XXXX in XXXX : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, IL XXXX Another XXXX XXXX in XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX After the debt was removed from my credit report due to it being past the statute of limitations which completed on XX/XX/2019. They send me a validation letter that is postmarked XX/XX/XXXX, yet the letter is dated XX/XX/2019.
First, this letter needs to be sent within the first 5 days, not after the debt was removed from my credit report.
Second, they purposely dated the letter XX/XX/2019 in order to try and deny me my full 30 days to dispute or request validation.
Within the letter, they indicate they will sue to obtain a judgment on a debt removed from my credit report based on the statute of limitations. They claim they can garnish wages make a report to the credit bureau.
|
| 01/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX XXXX has flagged your account as Collections.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$490.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX reported a new account on your XXXX Credit Report.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$490.00} Balance Date XX/XX/XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX This company did not contact me prior to placing this on my credit. I have never had a XXXX account. Because my identity has been compromised by several companies to include XXXX credit bureau. I have requested a copy of the application along with whatever identification used. I would like this information removed from my credit until this issued has been resolved. This negative information on my reports is causing me a hardship.
|
| 07/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Was served court papers from " Jefferson Capital Systems , LLC saying I owed them money. I wrote to the company XXXX XXXX , 2017 and asked for verification, the name of original debtor, and amount of original debt. Then on XXXX XXXX , 2017 they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On XXXX XXXX , 2017 they sent me another letter saying I owed " Jefferson Capital System LLC, again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by XXXX XXXX that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have two loans with XXXX that are reporting on my credit report. On XX/XX/2022, I received an email that my loans were being transferred to Jefferson Capital Systems. I have contacted Jefferson Capital Systems every 2 days since this date to attempt to pay in full, and they have told me that they have no record of my loan. Each time I call, they tell me to call back in 2 days and they should have it in their system. I have also contacted XXXX, the original creditor, to attempt to make payment and they say that they also have no record of this and I need to contact the new creditor, Jefferson Capital Systems. But when I call Jefferson Capital, they still tell me they have no record. I have been attempting to pay this for over a month now but neither creditor ( XXXX or Jefferson Capital ) has any record of my loan and have not given me a way to pay. I need to either have an option to make a payment on this loan or I need it removed from my credit report.
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then they changed it to XXXX, not it says XXXX. Jefferson Capital Systems has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter and have blatantly disregarded my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.
|
| 07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, XXXX, & Jefferson Capital Systems. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, XXXX XXXX, XXXX not Jefferson Capital Systems have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
|
| 11/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
|
| 10/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION TO JEFFERSON CAPITAL SYSTEM. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX Was the original complaint filed on approximately XX/XX/XXXX. I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from 2018. I never received anythingThey tried to ruin my credit. I filed a complaint on XX/XX/XXXX and thought it was settled on XX/XX/XXXX with their response to stop collecting and remove this alleged debt from all 3 credit reports. This collection remains on my XXXX credit report. I had considered this matter closed only to find they did not keep up their end of the bargain. I want This remedied immediately. I have attached the XXXX report showing it still remains along with the teosinte form Jefferson Capital stating they would remove and stop collection efforts. I should not have to be dealing with this again. I trust when someone says they are going to to something they keep their word.
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal.
The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied.
This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility.
What I want?
I want this debt listed by _____ immediately removed from all of my credit profiles.
They will ask have you tried to resolve this issue with the company.
I have tried to resolve this and they are unable to verify that I have a debt / document with their company.
That should be it. Make sure you put your social and email so they can respond and notify you of updates.
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company input negative information on my credit report and fails to fix the problem. I have evidence and proof that XXXX XXXX XXXX department sent me that this claim was resolved and this company fails to fix the problem. It is illegal to input negative information on my credit report without me knowing or giving me notice. I need an updated credit report from them and paid for by them letting me know that my report has been fixed and that this is no longer in my credit report on all 3 major credit bureaus XXXX, XXXX and XXXX. Thanks They have been harassing me with phone calls and fail to fix my credit reports. In order to satisfy my need from this complaint I require a copy from every credit bureau sent to me with tracking letting me know that this issue has been fixed with evidence and proof. Otherwise I can sue this company in state court including attorney fees. All I need to present is the evidence I have and it will be an easy win for me.
|
| 02/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I disputed an unrecognized debit card that opened under my name back in XX/XX/XXXX, and no progress has been made from the XXXX or XXXX. I never visited or purchased at XXXX in person or online since XXXX ( which is verifiable from my transaction history at XXXX the only bank I use ) and I certainly did not open a checking account without linking it to my bank. Very interestingly, this debit card opened around the same time I was told I need to check if I was part of the data breach victims in XXXX. After confirming that I was I immediately reported this fraudulent collection for the sake of correcting my credit score from XXXX 's dispute center. Almost 9 months have passed, I still see no investigation progress from XXXX or XXXX and this collection record is affecting my ability to apply for a car loan that I need for day to day commute. I need to correct this collection record from a real identity theft incident that happened almost 2 years ago.
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| 04/25/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted XXXX XXXX by mail on numerous occasions. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have requested XXXX XXXX to verify that this debt belongs to me from XXXX XXXX and they have not provided me with a response yet. The address that they are reporting to the credit bureau is an address that I have never resided. I have contacted the credit bureau by mail and phone and their response is that they have verified the debt but thy have not informed me on how the debt was verified. I have even informed the credit bureau that the address that XXXX XXXX is reporting is not correct and has never belonged to me. I know by law that a collection agency is required to verify a debt which they have failed to do for over a year but yet they are still reporting this incorrect information to the credit bureaus. Would you please be able to assist me with having this account removed as it is hindering my credit and should not be being reported.
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| 03/22/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!
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| 09/12/2018 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX and XXXX 's online systems to no avail.
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| 08/31/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called XXXX. The amount for this XXXX debt was XXXX XXXX The address that was provided was my old address that I shared with my ex XXXX until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with XXXX and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call XXXX to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.
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| 04/14/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Had never even heard of Jefferson Capital Systems until I received a notification from XXXX XXXX my score had changed and I checked it. I have never received ANYTHING from this company in an attempt to collect any type of debt. On my credit bureau Jefferson Capital Systems is shown as " CLOSED '' but are reporting that I am in default to them although I have never had any type of corespondance with them. Jefferson is claiming I owe XXXX XXXX {$170.00} on an account I had CLOSED 7+ yrs ago WHEN my CONTRACT ENDED! They have NOT supplied me with ANY type of documentation, statement, account number, contract or contact I will be contacting the FTDCA dept. How can a company possibly report you as deliquent when they have NEVER contacted you! This is Blatant Violation of FDCPA rules and regulations. Time Barred Accounts and Non Validation of this account. I will be filing with the FTC and the Attorney General 's office as well regarding their practices.
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| 05/11/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I moved from XXXX to XXXX in XX/XX/2017 I call XXXX and inform about the move on XX/XX/2017 and ask to close my account. The operator ( XXXX ) told me that it will be automatically closed at end of the billing cycle which is in XX/XX/XXXX. The account did not close because there was a XXXX ( hot spot ) that I ordered in XX/XX/XXXX was not return to the system. XXXX did not contact me regarding the system not returned or the account not close. They contact my son which he was not the main holder. i was not aware of the situation until XX/XX/2017. I told them I return the XXXX already and after checking through her system they found the hot spot was in the warehouse but no one enter it to my account. This problem is causes by XXXX careless warehouse worker that did not input my return XXXX back to the system. Therefore I dont believe that I owed this amount to XXXX.
i have attached my credit card statements to show that the account was auto paid.
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| 10/17/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a letter from a company called Jefferson Capital Systems , LLC that I believe to be fraudulent. The letter claims to collect a debt in the amount of {$1700.00} for a XXXX XXXX XXXX Account. It offers to let me save money by paying three equal payments of {$110.00}, and they will absorb the rest of the debt.
I did have a Home Mortgage through XXXX XXXX that ended in XXXX ; I checked my account and there is no balance or debt.
Suspect issues on this letter ( including the option to make three equal payment that do no equal the debt ) include 3 different addresses listed on the letter. Jefferson Capital Systems , LLC is listed at XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ). On the payment stub, a " return '' address is listed as XXXX XXXX XXXX, XXXX, NC XXXX with a mailing address ( " to '' ) as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Their website offers no additional information : http : //www.jeffersoncapitalsystemsllc.com
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| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXX amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXX amount : XXXX date XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date XXXX account name : XXXX amount : XXXX XXXX XXXX : XX/XX/XXXX
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| 04/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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On XX/XX/XXXX a collection account, with a balance of {$4300.00}, was reported to the credit bureaus by Jefferson Capital Systems. The agency states that the account was opened on XXXX XX/XX/XXXX. Prior to XXXX of this year this company was not listed on my credit report and the XXXX date greatly diminished my rights to dispute this debt. I disputed the debt through XXXX on XXXX XXXX and the bureau found that the debt does not go against FCRA although I have never received any documentation and the company is reporting the account as being opened on XXXX XX/XX/XXXX. Since XXXX XXXX I have received 135 robo-calls from this company, no voicemail was ever left and if you call the number back it's a recording. I have never consented to robo-calls and they have been non-stop. I have attached a copy of my credit report from XX/XX/XXXX showing that the account was not present previously as well as screenshots as well as screenshots of the call.
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| 01/22/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Previously an " alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt '', but they have falsely reported this on my 3 credit reports known as " Silent '' treatment, and " Re-Aged the Alleged Debt '' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files
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| 12/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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There is 1 alleged debt under my name and credit report with Jefferson Capital Systems. Since the first alleged debt was bought by Jefferson Capital Systems over 5 years ago. I have Requested NUMEROUS times ( via mail, phone ) on the alleged debt that they validate, verify and provide me with the original purchase agreement or contract baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with Jefferson Capital. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
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| 07/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Last year, for weeks I received calls twice a day from a company trying to collect on a XXXX debt. I have never had an account or any dealings with XXXX. I eventually recorded the conversation, told them the debt isn't mine and to stop calling.
Today, I received another call from a collections agency regarding this XXXX debt, which isn't mine. They spoofed the call to make it appear to be local.
They said they were with Jefferson Capital Systems in Minnesota and wanted to collect on the debt. I recorded the conversation, told them it isn't my debt, and they asked for four digits of my social to prove that it isn't my account. I refused to do that, as this company should be required to prove this is my debt ( which there is no proof of, because it isn't my account ). I shouldn't be required to prove it was never mine by sharing my social security number with a company that obviously has unethical and predatory collection practices.
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| 06/04/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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A couple of years ago, a debt collection showed up on my credit report. All I know is that it is for XXXX XXXX in am amount of {$860.00}. I know that I have never run up a bill of that size with a utility Company. My belief is that I was a renter, moved and somehow the service was ever taken out of my name after I left the property and someone else continued service in my name.
I have asked repeatedly, XXXX XXXX XXXX, the debt collector, to get me proof of the dates that this debt was run up during and also the address that it was at. I would be able to verify whether or not I was living at the address at all or will be able to verify what dates i lived there. Over a period of 2 years, no one is responding with ANY type of verification that this debt was incurred while I actually lived somewhere.
XXXX can not help me as I don't know what address and dates this b ill is supposedly for. I want this off of my credit reports.
Thank you
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| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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A debt collection appeared on my credit report for {$810.00} owed to Jefferson Capital Systems ( JCS ) with the original creditor listed as XXXX XXXX, opened on XX/XX/XXXX. I sent XXXX a debt verification letter dated XX/XX/XXXX, asking for several specific pieces of documentation which proved their claim of a debt owed. XXXX responded with a letter dated XX/XX/XXXX, which included a single-page document and claimed it to be " verification of the account ''. The document provided is what appears to be an overview of an account with XXXX XXXX ' one-month billing period XX/XX/XXXX, to XX/XX/XXXX,. This document shows only a total amount owed on the account and lacks specific information that, in my opinion, is necessary to prove any owed debt on my behalf. It's also unclear who owns the rights to this debt as the bill is directly from XXXX XXXX and can, to this day, be accessed and paid off directly through XXXX XXXX via their website.
|
| 02/19/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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XXXX University under the XXXX XXXX umbrella sent me to collections for a debt of {$14000.00}. The school was later sued by your institution forcing them to shut down and sale all of their locations. The collection agency named Jefferson Capital System LLC is trying to collect a large sum of money for a school that lied not only to me but on me. XXXX University attempted to get me to take out a loan from XXXX for {$4700.00} at a 9.9 % interest rate to pay for one quarter. One of their representatives later told me I should take out a genesis loan for the amount of {$11000.00} which would cover the rest of the semester. I refused and explained to them I did n't have the money to pay for a loan. XXXX University locked me out of my online classes and school assigned email accounts. I do n't owe for classes I did not take nor did I finish school. They sent me to collection for not taking out a loan which is something I do not understand.
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I went into XXXX XXXX in XXXX ct. XXXX XXXX XXXX was running a promotion that if you switch your cell provider to them they would pay off remaining balance to your current cellphone provider on all the lines. They sent me the agreed gift card in the mail for switching service to them, but never paid off XXXX outstanding amount. Now it is in collection and being reported as {$300.00} that I owe. They have transferred to XXXX XXXX and to Jefferson Capital systems LLC. They are breaking FACRA and falsely reporting that I owe it and that It is a new debt incurred In XXXX of 2020. I changed carriers and this all took place over 4 years ago. XXXX XXXX XXXX needs to pay XXXX and they need to remove this off of my credit. I only switched to XXXX XXXX XXXX for the promotion that they paid off XXXX and did not due so. I did not go into the mall that day with intentions to switch and then was convinced and lied to and now is ruining my credit.
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| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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XXXX, XXXX and XXXX, I contacted all three credit bureau 's and asked for them for debt validation but it came back as verified. I contacted XXXX for debit validation because the reporting is inaccurate and they advised me that their system didn't go back for my account due to it being with Jefferson Capital Systems. I then contacted them and was told that there is no payment needed on the account and that the account has been paid to an 0 balance since XX/XX/2017. They also stated that they notified the company so the debt can be removed off of the credit report. The rep stated that she will send me a letter for proof. I received the letter and contacted XXXX once again then was told I needed to contact the three credit bureau 's. I contacted them and they updated my credit report incorrectly again. I have been battling with all five for the last three months and I need this account to be removed from my credit report immediately.
|
| 08/30/2018 |
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
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|
Web |
Older American, Servicemember |
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XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXXXXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE REMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTORNEY GENERAL OF TWO STATES, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND VETERANS IS PREVENTING ME FROM OBTAINING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS. THIS COMPANY ALSO SO PLACED OVERLAPPING NON LEGITIMATE DEBTS ON MY CREDIT REPORT. FRAUDULANT!! REMOVE IT IMMEDIATELY!!
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| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has been attempting to collect a debt, for which I claim no liability associated, regarding an account from XXXX XXXX where the last payment made was before XX/XX/XXXX. Official correspondence from XXXX XXXX shows that the number I had held previously with them was likely sold to another customer based on a collection attempt from XX/XX/XXXX. The final collection attempt from XXXX XXXX was on XX/XX/XXXX.
My most recent credit reports show that Jefferson Capital has reported the start date of the debt as XX/XX/XXXX which is incorrect.
Based on the Arizona statute of limitations, this alleged debt would have expired six years after the final payment ; either on or before XX/XX/XXXX. It has also been over seven years since XX/XX/XXXX. As such, I am requesting that XXXX XXXX XXXX stop their collection attempts and remove the previously aforementioned collection from each of the credit reporting bureaus ' records.
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- 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
|
|
Web |
Servicemember |
|
Jefferson Capital Systems LLC has been calling and harassing me about an alleged debt that I owe from XXXX. I asked about the original creditor and information regarding the alleged debt and asked for a debt validation letter with my wet signature stating that I have a binding contract making me indebted to Jefferson capital. And I asked them to send it to the address they have on file. Which Im sure they sent out a letter but the debt is in Texas And I do not live in Texas I live elsewhere and they are unable to send me the contract. They said the debt was for $ XXXX but are unabated to provide a contract between me and Jefferson Capital . They have also been calling me non stop and the representative even stated that they threatened to report it to the credit bureaus and damage my credit which they have and violated my right to privacy as well as XXXX selling off my personal information without written permission under XXXX.
|
| 09/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification from JEFFERSON CAPITAL SYSTEM stating that I owed a debt for a service I allegedly used from a company name XXXX. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from XXXX notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both Jefferson Capital Systems and XXXX and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX.
XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
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| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have a debt with Jefferson Capital LLC. They bought my original debt from XXXX XXXX. The original debt amount is XXXX. Today XXXX I called Jefferson Capital to settle my debt. The rep whos name was XXXX talked to me. He read me disclosure, reparated debt to me and asked if I could pay full amount I said I dont have full amount but I could pay XXXX. He checked with his imaginary manager and said ok. He asked how would you like to pay. Before I decided to pay I asked for a settlement letter by email so that I can have in writing our agreement. He said his company dont do that because of the offer was not the original offer and after I pay Id get an email within 24 hrs. We went back in forth. I end up hanging up after he kept lying to me saying he couldnt provide a debt settlement letter. I need help with this issue and for them to provide me with the debt settlement letter in writing for the XXXX so I can pay and move on.
|
| 02/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations!
Jefferson Capital put collection on my credit report without accurately validating the following information as requested at least 5 times : I request that Jefferson Capital validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.
|
| 11/23/2018 |
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
|
|
Web |
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I have a a unverified account from XXXX XXXX I have previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt and received no response twice. I also called and was told the would send paperwork and I have yet to receive anything 3 months later. I requested XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
|
| 05/01/2023 |
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
|
|
Web |
|
|
Jefferson capital system put old information on my credit report to XXXX, I already dispute not my account on XXXX, and XXXX, they removed it from both, and I did not dispute XXXX now it showing up as of today on my XXXX report, this has cost a lot of things to change on my credit cards, also loans, drop my credit limit, this has been going on every six months, the information deleted, 6 months later it back on there, Im hurt and my credit means a lot to me, I pay my bills, if this was my bill, I would not have a problem paying, it at my credit report, never been late never missed a payment, they have no right to do this, they keep selling the debt back and forth, please get in touch with XXXX, I did dispute it today, it just showed up on my credit report on today, thank you, I feel I my right has been used against me please get in touch with XXXX, like you all ready did with the other the credit bureau Thanks XXXX XXXX
|
| 08/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.
|
| 02/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
In XXXX I made a loan for {$8000.00} from XXXX XXXX or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for XXXX additional statements that reflects payments directly to XXXX XXXX for over {$1300.00}.
Here are the dates from my account with XXXX XXXX XXXX XXXX : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A company by the name of Jefferson Capital Systems , LLC contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX but I've reached out to XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.
|
| 01/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed the debt months ago through XXXX XXXX. I updated my correct address right then. I never received any information or a letter in the mail. I called XXXX XXXX XX/XX/XXXX at XXXX pm. Rep advised me that debt validation was sent out and they received dispute. They had incorrect address, I gave them correct address. They said allow 10 days for it to be in the mail because they had to receive information from original creditor. This whole time the debt was never removed from my credit report and they stated they did receive my dispute. XX/XX/XXXX at XXXX pm I called again and confirmed that they did update my address correctly, they did. It is now XX/XX/XXXX, I have no debt validation and the information is still on my credit report. XXXX XXXX failed to comply within the legal guidelines ; according to my consumer rights I demand this debt be taken off my credit report, permanently.
I attached proof of my calls
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is a carry on of the other XXXX complaints that i filed in XX/XX/2022 with cfpb about XXXX and XXXX XXXX in which the debt couldnt be found in either of their systems and verify the accuracy with original date of open on the contract with either Company, now Im receiving the same account just by JEFFERSON CAPITAL trying to collect the same debt as stated above. This debt isnt mine, it belonged to a deceased member. Also this account doesnt fit my current address or anything to verify as mine. Anytime i requested verification of debt actually belonging to me and not just opened in my name i never receive a proper response just about the debt matching my name and a random date to my current living address which has been for the past 3+ years and no XXXX information has ever been sent to me when the fraud happened, so incorrect date for the account opened because i didnt open such a account at my address.
|
| 05/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I discovered today that XXXX XXXX XXXX XXXX of XXXX. XXXX MN has been falsely reporting to the credit bureaus that a debt they purchased and obtained XX/XX/2019 is a new debt. On their website they falsely claim that the credit bureaus require that XXXX XXXX report the date they acquired a debt as the open date. My credit score has lost over 70 points because of their shady collection practices. A collection debt is a continuation of an original debt and this company is purposefully falsely reporting to credit bureaus the open date of accounts in order to negatively impact the debtors. This IS NOT A NEW DEBT. In their FAQs page they clearly state that if you pay your debt they will delete it from your credit report after 30 days. They also do not contact the debtors to inform the debtor that they are the collector and they try to excuse this on their page as well. Giving the debtor no opportunity to refute the debt.
|
| 04/14/2018 |
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
|
|
Web |
|
|
This was account has already been disputed with XXXX XXXX XXXX XXXX once before, and they refuse to correct their records. XXXX XXXX XXXX XXXX is alleging that I had an account with XXXX XXXX & that it became delinquent on XX/XX/2016. That is factually incorrect. XXXX XXXX is " re-aging '' this account to show that its more recent than it actually is, which allows them to continue to report it. I have asked them to provide proof that this account was indeed delinquent on the dates they claim.. I have asked them to return a copy of the final XXXX XXXX billing statement, and they refuse to do so. The negative mark is showing up on several credit bureau 's reports as well as with XXXX XXXX. I have perfect credit except for this negative mark and I want the CFPB to cite XXXX XXXX XXXX XXXX for their illegal practices and behaviors. This is a clear violation of the Fair Credit Reporting Act & /or Fair Debt Practices Act.
|
| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This complaint is regarding a debt with XXXX that occurred over five years ago in which the company charged me incorrectly. At the time, I contacted XXXX attempting to dispute the amount but there was no resolution. My account was immediately sent to collections and it was subsequently charged off with a reported debt of over {$400.00}. Several weeks ago, I noticed that the charged off mark from XXXX had disappeared from my credit report and assumed that it had aged off per the statute of limitations set forth by the FDIC.
However, that was not the case. The XXXX debt was apparently sold to a debt buying company because today a new creditor called XXXX XXXX XXXX has flagged my account with a brand new debt of {$550.00} carrying a due date of XX/XX/2018 which is today.
It is clear that this action was taken by XXXX and XXXX to circumvent the consumer protection law regarding time limitations on credit reporting.
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Securities Fraud and Breach of Contract. On XX/XX/XXXX, I sent the amount of {$15000.00}, via mail as prepayment/credit on my personal wireless account to XXXX XXXX corporate offices. XXXX did not credit my account. I sent an additional amount of {$2700.00} on XX/XX/XXXX to remittance center in XXXX, XXXX, XXXX did not credit my personal wireless account. On XX/XX/XXXX I spoke with a XXXX service representative concerned about my service being disconnected, and was told she would note the system so my phone would not be turned off. On XX/XX/XXXX, I received text messages to make a payment. On XX/XX/XXXX, I emailed a Notice of Dispute and Arbitration regarding credits for the account, and received no response. On XX/XX/XXXX after XXXX received my Notice of Dispute and Arbitration, my personal/household wireless phone account service was disconnected. I am being force to make online payments via floating rate notes.
|
| 12/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TO WHOM IT MAY CONCERN JEFFERSON CAPITAL SYSTEMS ARE REPORTING A FRAUDULENT ACCOUNT TO MY CREDIT REPORT THAT DOES NOT BELONG TO ME TO ALL THREE CREDIT BUREAUS. I SENT A LETTER ASKING FOR VALIDITY OF THE ACCOUNT IN QUESTION TO PROVE THIS ACCOUNT IS ACCURATELY REPORTING ON THE RIGHT PERSONS FILE BACK ON XXXX XXXX AND I HAVE YET TO GET A RESPONSE. I CLEARLY STATED THAT I WAS NOT ASKING FOR VERIFICATION OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVED NAMED TITLE SECTION OF THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec.809 ( b ). THAT THEIR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. AN BASED ON THE FTC SITE I KNOW THEY HAVE STRICT POLICIES IN REGARD TO YOU REPORTING CONSUMER DATA. I ASK THE TO SHOW ME PROOF THAT THEIR REPORTING IS 100 % ACCURATE. DO NOT SEND ME A GENERIC PRINT OUT OR A BILLING STATEMENT. PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE.
|
| 11/05/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital Capital System ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX Investigative Team advised this would be removed after I have disputed this account online several times. Jefferson Capital has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 11/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Had an account with XXXX which was charged off during a financially down period shortly after my wife XXXX XXXX to our XXXX child and got behind. When attempted to get back ontrack was notified that the account was sold to XXXX XXXX XXXX. While attempting to get on top of my credit I contacted XXXX XXXX who referred me to a 4th party now XXXX XXXX with acct # XXXX XXXX who then acused me when calling them of running and hiding from this debt and that they would mark as a refusal when I asked for a commonly requested settlement for delete off my credit record. The fact that I contacted them to make payment assures I am not running and hiding from this debt and after asking for supervisor was treated even more rudely by him. Telling me he would contact his client who is not even the original creditor that I was refusing to pay since I was not paying until I had assurance of deletion before agreeing to settlement.
|
| 06/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, Jefferson Capital Systems LLC placed unverified and inaccurate information on my credit file. This company failed to validate this debt. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Amount : XXXX Related Account number : XXXX I have requested that Jefferson Capital Systems LLC verify this debt and send me all contracts and documents between myself and them bearing my signature. This is not my debt. I don't have or have had any business with this company in the past or currently. This has caused a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put the item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all XXXX major credit reporting agencies not to resurface on my credit file.
|
| 06/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I would like to report this collection company to the Consumer Protection Bureau For their unlawful credit reporting practices. I called the collection company in my social security is not even in their sister but yet they have been reporting collection account in the amount of {$4400.00} that has never been validated because I never received a 30 days notice by law that they are required to send to all consumers. I would like to ask them to provide me with contract with my signature what this dollar amount is for and why they did not notify me prior to reporting it to XXXX XXXX, and XXXX.Just to clarify I am a XXXX of XXXX XXXX XXXX and my husband passed away at age XXXX from XXXX. I only have XXXX and I'm waiting for XXXX XXXX to approve me for XXXX. I can not get low housing because of my credit that is destroyed by this collection company. I'm a XXXX woman and my rights are protected through the XXXX XXXX.
|
| 05/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
In XXXX, I had a XXXX XXXX Credit Card in XXXX XXXX. There were charges on the credit card I did not make, and I reported to XXXX XXXX. Also, I was a victim of the XXXX. XXXX Data Breach. I filed a claim with XXXX Data Breach [ their claim info ] between XX/XX/XXXX, and XX/XX/XXXX.
Sometime in XXXX, Jefferson Capital System reported a {$1400.00} debt to my Credit Bureau. I attempted at least twice to dispute these charges.
On XX/XX/XXXX, Jefferson Capital System was granted a Default Judgement against me in the Justice Court, Precinct XXXX Place XXXX, XXXX XXXX, Texas, for {$1400.00}. and they have proceeded to increase these charges to {$1600.00}, as noted on my credit report.
I will continue to dispute these fraudulent charges against me, and I have contacted XXXX 's Restorations Services for assistance today, XXXX XX/XX/XXXX.
I ask for your assistance in the matter as well.
Thank you, XXXX XXXX XXXX
|
| 01/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I spoke to a debt collector name XXXX from Jefferson Capital Systems llc in XX/XX/2020. I got a letter stating I owe a debt and I called the company and XXXX illegally lied and said he is an attorney and threatened me with a lawsuit and told me I had to pay 25 % out of my paycheck. I told XXXX that he is illegally impersonating as a fake attorney. He proceeded to argue with me and the conversation we had escalated. XXXX forced me to give him my personal information and he refused after I told him I dont feel comfortable giving my personal information over the phone. I called back the company the following day and they refused to take care of the situation. XXXX also told me that I shouldve paid my debt instead of spending all my money. XXXX also refused to tell me his last name when I asked him.
Jefferson Capital Systems llc removed the debt collection off my credit report and are still garnishing my wages.
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back in XXXX of XXXX I left XXXX XXXX and took my phone service to XXXX.
I received a collection notice from XXXX XXXX XXXX. I disputed the charges because they were charging me for phone service when my number was now owned through XXXX XXXX.
The charges were removed immediately.
Jefferson Capital LLC has continued to repeatedly add this collection to my report. Making it look like its a new account. I have had them remove it two times prior. in XXXX of XXXX in addition to another time in XXXX. This time it says the account was opened in XX/XX/XXXX and I owe XXXX on XXXX and XXXX.
I have never received a call or piece of mail about this collection.
I have called multiple times and this last time was a threat they were going to add things to my report and hung up.
Jefferson Capital LLC is not licensed in the State of Florida to collect. Their license was terminated back in XXXX. License Number XXXX
|
| 09/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, On XX/XX/XXXX, I received a collections letter from Jefferson Capital with reference number XXXX. This letter claims a debt originating from XXXX XXXX XXXXXXXX account number XXXX, dated XX/XX/XXXX, in the amount of {XXXX}. I would like to state that I have no knowledge or record of this alleged debt.
Furthermore, as per Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations on debt in Texas is four years. Considering this, the mentioned debt is well beyond the allowable timeframe for collection.
I am unclear about the origin of this debt and why I am being contacted regarding this matter. Please provide a detailed validation of this debt, and if it's determined to be inaccurate, kindly ensure that all records related to this claim are corrected or removed.
Thank you for your prompt attention to this matter. I look forward to a swift resolution.
|
| 02/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received a credit alert stating that a company by the name of XXXX XXXX XXXX added a collection to my XXXX, XXXX and XXXX alleging I owe them {$2400.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by XXXX XXXX XXXX in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
|
| 04/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged.
Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}.
The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' .
I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report.
Now, years later they are sending me collection notices, without any proof of my i.d .
I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application.
Between myself and the authorities, we quelled 38 such credit applications.
Now this one has appeared.
|
| 08/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves.
This was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas.
Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage.
After months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action.
I figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections.
|
| 04/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
It looks like Jefferson Capital purchased a date on a XXXX phone service bill. I had to close the phone service account with XXXX after my phone stopped working because they said my used phone should not have been activated for service and I would have to buy a new phone to continue to use the XXXX phone service. I asked them to close the account since I would rather have a different provider without this kind of headache.
One month of service was around {$57.00}. So they must have let the account run for three months not even attached to a usable phone and with no one using the service for three months before closing the account and selling this fraudulent debt to Jefferson Capital. The XXXX agent on the phone must have not wanted to close my account under his name to avoid bad stats for his own job. I've already tried to dispute this account with XXXX and Jefferson Capitol separately, but to no avail.
|
| 04/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me a deadbeat, and refused to let me speak to a supervisor. Then the following day I received XXXX calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
|
| 12/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/18 & XX/XX/18 both dates I received phone calls ( XX/XX/XXXX ) on my cell phone and ( XX/XX/XXXX ) on my home phone from XXXX XXXX XXXX asking for a person with the same name. Without verifying I am that person the party released they were collecting a debt and the company they were calling on behalf of, XXXX XXXX. Each time I confront about breaking the law about releasing that information their representatives hang up on me. My wife called back XX/XX/XXXX and spoke to a team leader named " XXXX XXXX '' confronting about releasing personal info related to said debt without verifying and the harassing calls by repeatedly hanging up and he as well released the info without verifying address or social security number. The request was submitted to cease communication from both numbers and they were notified a complaint would be made on the now three documented occasions of the release of private info.
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was looking at my credit report I noticed there was a account I never opened was at XXXX in XXXX I was unployd at that time was only getting XXXX a week in unployment and being a single mom I would not spend that much on a device or what ever it is I don't have any kind detail about this charge or even what it is I have disputed this several time and they keep saying it right I stand firm on it not being my account for primary fact I pretty much had to revise my credit report I had to disputed several address that I never live at and a phone number that never belong to me. On my credit report I had 110 identity alerts I got to looking at the site there somebody going by XXXX XXXX XXXX same age and live in same town not sure how I get this taking care of this person showing up as my identity but I would greatly appreciated if you guys would look further into my credit report that XXXX bill is not mind
|
| 04/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted Jefferson Capitol Syst, XXXX XXXX XXXX, XXXX XXXX Mn XXXX on XX/XX/2021 after receiving information that they added a previously deleted item back to my credit report. I contacted them threw Certified mail and requestied them not contact anyone else about the debt until they sent me a complete validation letter. The return mail was signed by a XXXX XXXX XXXX on XX/XX/2021. XXXX XX/XX/XXXX they contacted XXXX again about the debt without sending any information asked for in the verification letter. The initial bill was deleted from all three of my credit reports in XXXX when XXXX failed to respond in any form or fashion to any of the multiple dispute i sent in to all bureaus. In XXXX XXXX months later, after XXXX knowing they could not get the account re-inserted onto my credit they, vindictively sold it to Jefferson Capitol. These tactics are horrible and cause so much hardship to my credit.
|
| 08/29/2022 |
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
|
|
Web |
|
|
I purchased this car loan in XXXX it has had an oil leak recall ever since. I have taken it in a few times to get the oil leak fixed and every time I did, they would say it was fixed but it never was. Had to stop paying on the car because I kept having to put money into fixing it. Fast forward to XXXX the car transmission went out due to the oil leak. No one in that 4 to 5 years ever came to get the car. Nor did they send me any papers requesting information on the car. Now in XXXX in the last month, I started receiving calls about this car. The amount showed up recently for {$20000.00} I am now being asked to pay. The amount is incorrect considering I paid over 2 years {$450.00} a month. I have asked that this be removed from my credit report 1. Because this last month is the 1st I've heard of this account. 2. Because in the State of Texas the loan and collection is passed the statutes of limitations.
|
| 03/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom may Concern The XXXX reference number is XXXX amount of {$700.00}.
I have no knowledge of this account from XXXX XXXX. I request that you please verify the following information to assist identifying whether this debt is valid : The account was first reported XX/XX/XXXX.
On the following dates of XX/XX/XXXX the account was closed from my XXXX credit report and then added again.
Also on XX/XX/XXXX the account was again removed from my credit report then added back again. Screenshots added.
If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement.
This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
There is an old account that has been flagged as a charge-off and removed from my credit report. The collection agency ( Jefferson Capital ) has been calling me multiple times each day, with 2 of the calls being around 11 pm. They keep calling from multiple different numbers, and they have once tried announcing themselves as an IRS representative, prior to them stating that the address to mail payments to is XXXX XXXX XXXX, XXXX XXXX Minnesota, which upon further research, ended up being the address to Jefferson Capital. They have now sent a letter in the mail that shows an incorrect balance that is different from the balance XXXX shows. In the letter, it also includes them stating that I need to contact them, or else they will interpret failure to contact as an admittance of all of their information being correct, which I feel is an attempt by them to reset the legal clock of the time a debt expires.
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called them and tried to settle the debt, they did not allow me to stating they must have the last four digits of my social security number. I asked for other verification methods, they asked for my full name, address and reference number which I provided them. They then said thank you and asked for my social again, I stated I was not comfortable giving that information and they said Im not able to talk to you then. This is misrepresentation, they gathered information about me under the pretense that I was going to be able to settle my debt, then did not allow me to do so. I told him I do not want any information from him other than, If I pay you {$350.00} will that settle the debt? He said he will not talk to me about any single detail without my social security number, continued to talk over me and then stopped talking, the call continued for five minutes in silence and then he hung up the phone :
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act Amerassist AR Solution Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights.
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.
XXXX AR XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX
|
| 04/29/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Todays date : XXXX XXXX XXXX.
Jefferson Capital Systems recently reported to the bureaus that I owe a {$7700.00} debt.
-XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX has not yet hit my report.
Under the information for Jefferson Capital Systems, they are identifying themselves under business type : Finance - Mortgage companies/ Credit Unions / Investments.
I have never done any business with this company nor heard of them. I have never given them my personal information or the consent for them to use my information. Due to their actions, my credit score has been negatively impacted.
The only company that has had my consent to use my information in regards to mortgage has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
My current mortgage is XXXX XXXX XXXX XXXX active since XXXX XX/XX/XXXX.
I feel certain rights of mine have been violated in these actions and reports.
|
| 09/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports.
To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2019 XXXX XXXX agreed to a settlement for a debt in the amount of {$6700.00}. They agree to debit my account XXXX on record from the XXXX XXXX XXXX XXXX. According the document supplied from XXXX XXXX XXXX XXXX they never attempted to withdraw funds on any of the dates according the agreement they prepared and agreed too. I recently found out the account was sold to Jefferson Capital Systems , LLC for {$19000.00} and it's being collected on their behalf from XXXX XXXX XXXXXXXX XXXX XXXX Now both XXXX XXXX and Jefferson Capital Systems , LLC are reporting me to all three credit bureaus in the amount of {$19000.00}. As a consumer both companies are trying to take advantage of me on behalf of the lender XXXX XXXX XXXX. I want this remove from all three credit reporting agencies and to consider this debt satisfied because I kept my agreement but the collection debt holders broke the agreement.
|
| 08/10/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital Systems , LLC kept calling and sending threatening letters saying I owe them XXXX, I was so threatened by the caller I gave them my bank information because I didn't want to go to jail or my credit to be messed up like they told me. After reviewing the debt they say I owe afterwards I found out that it was wrong and sent them a certified letter on not collecting on the debt and to tell me how and where they got this bogus amount from. I even asked them to delete it off of my credit report. The problem is they took XXXX out of my bank account and yes I did canceled or stop it with my bank but they withdrew it under the name of XXXX XXXX. I have been calling to get my money back but end up getting hung up on repeatly. I am sending them another certified letter and I also am in the works of suing them to try and get my money back. They have used illegal and awful tactics against me.
|
| 08/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1300.00}.
I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.
|
| 02/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hi I've been receiving bill its already settled with the main company which is XXXX and I do have confirmation email with that debt the collector is Jefferson capital keep asking for the same amount XXXX I did already inform them that this issue being resolved with the main company which is XXXX long time ago and I did email them a confirmation email I got from XXXX for that payment they tell me that they can remove it from my credit report as a debit still I owe because this is still affect my credit score and my credit for any think I want to do even I can not even open a regular chicken bank account because they inquiries I have from small debit collector like those companies still showing my credit report so I did pay that money and they still asking me for it still affect my credit score they are aware that I bet already I refer the email back to them from XXXX but we're not getting nowhere
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX is reporting False information that has been reported for identify theft. this account does not belong to me and keeps being reporting under different agency names with False information, it does not report accurately has the LAW states it should. please remove from credit report or i will sue for damages that this is causing to me financially.
all information is incorrect that is reporting on my file. i have copy and pasted the information from my credit file Account Number XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jeffcapsys Jefferson Capital Syst Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$1200.00} {$1200.00} Current Balance {$1200.00} {$1200.00} Responsibility Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
|
| 06/01/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
A XXXX XXXX employee told me that I was no longer under contract at the time I switched my account to XXXX XXXX XXXX. The month after I got 3 - {$200.00} charges for early termination. I attempted to argue the fact that the employee told me I was no longer under contract because I had reached my initial 2 years, per the contract details, but XXXX stated they had no record of the conversation. I have disputed these charges repeatedly, but I don't have a record of documentation, only phone conversations that XXXX claims don't exist. I had a reference number for that conversation, but they said in was invalid. I don't understand how they are able to get away with lying to their customers and ruining their credit record. My account has now been turned over to Jefferson Capital Systems and I explained to them that I am refusing to pay this balance because I never should have been charged those fees.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn this matter over to an attorney.
|
| 06/05/2023 |
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
|
|
Web |
|
|
In XX/XX/XXXX and XX/XX/XXXX an XXXX credit card and a XXXX credit card were opened fraudulently in Colorado where I do not live. I filed a FTC identity theft report and a police report with XXXX XXXX police department and they removed the accounts from my credit report. The problem now is they sold the accounts which they were not supposed to do to Jefferson capital who has since posted two collections on my 3 credit bureaus showing these collections of XXXX $ and XXXX XXXX I sent a copy of my reports to Jefferson capital and they never removed them from my reports.as stated they never should have acquired the account to begin with as it was never opened by me. This has caused me financial hardship as Im in the process of selling and buying a new home. If this isnt removed I will seek damages via fcra and in local small claims court. My date of birth is XX/XX/XXXX and ss # number ends in XXXX
|
| 09/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i am not understanding HOW these companies are ALLOWED to update our credit files with Account information disputed by consumer, meets FCRA requirements, but they DONT send the ACCUSED CONSUMER any documentation. I have not gotten ANY responses from the last XXXX disputes that I have filed with this company.
I am writing to the Attorney General 's office as well to make them aware because I have written to the credit bureau XXXX SEVERAL TIMES ) as well as the collection agency stating this is NOT my account and that I want VALIDATION done to prove this is my account. I have yet to recieve anything with my signature on it showing I signed for service.
I am demanding this be removed from my credit file. Validation has NOT been completed as requested several times.they have neglected to complete their dispute process within the XXXX days allowed and NEVER send me any type of documentation.
|
| 03/05/2018 |
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
|
|
Web |
Servicemember |
|
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature.
Name and contact information of the original creditor, if this account was transferred or purchased.
Any other documentation verifying the account is, in fact, mine.
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.
Until this matter is cleared up, I firmly request that you stop reporting this account altogether.
Please give this matter your prompt attention.
Thank you so much for your time.
|
| 06/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted Jefferson Capital Systems to settle a debt and have it removed from my credit. We agreed to settle for {$500.00}. I paid {$100.00} towards the balance the same day and the balance was left at {$400.00}. I was laid off from my job and informed JCS that I do not have the money to finish the balance. I requested they hold my account until I find employment. It was agreed they would hold my account.
On XXXX Jefferson Capital Systems re-reported my account using re-aging to all 3 credit bureaus and stating my account is delinquent. This dropped my score over XXXX points. This is illegal for JCS to re-age my account and after promising to hold my account, they re-reported it again.
I would like for JCS to fix this on my credit report or I will pursue further action to sue for re-aging, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). I will also report this to FTC.
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I retrieved a copy of my credit report and found a new collection account listed. Jeff Cap Sys hasn't contacted me via email nor mail to inform of this new account which is a violation of the fdcpa law. Also, they are reporting a monthly obligation of XXXX on a collection account with a balance of XXXX which I have never spoken with this company to agree to any type of monthly obligation. I've requested Jeff Cap Sys to validate this file showing I owe the amount they're reporting to my credit every month but I haven't received a response. I don't owe this debt and this company is intentionally breaking the law by reporting a monthly obligation for a collection account. I'm needing assistance with holding this collection agency accountable for breaking several consumer reporting laws. You can not report a collection as an open account with a monthly obligation and you guys won't validate.
|
| 03/27/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
|
| 01/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital Systems XXXX po box XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Jefferson Capital Systems XXXX XXXX XXXX am writing to dispute an inaccurate collection listed on my credit report with XXXX, XXXX, and XXXX. The collection is from Jefferson Capital Systems XXXX in the amount of {$11000.00} and is dated XX/XX/2020 I am requesting that you immediately remove this inaccurate collection from my credit report. I am a victim of identity theft and this collection is not mine. I have included evidence of my identity theft, as outlined in the Fair Credit Reporting Act.
I am also requesting that you provide verification of this debt that you are reporting to the credit bureaus.
Please provide me with written confirmation that you have removed this collection from my credit report within 30 days of this dispute letter.
I look forward to hearing from you soon.
Sincerely, XXXX XXXX
|
| 10/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Never been notified of debt execpt when filed XXXX XXXX. They are trying to collect on a debt from a bill of sale from XX/XX/XXXX. To this day of the complaint never receipt any information on it. Also they never filed for a lean on the property.
Also read this law. ( Thanks to a law passed in XXXX, the statute of limitations of debt in New York is three years, which means that's how much time a debt collector has to file a lawsuit to recover the debt through the court system ).
If I amd reading the right right that was passed then the statute of limitations has passed because they bought the debt on XX/XX/XXXX and we are in now XX/XX/XXXX.
The Bill of sale was never dated when signed.
The most recent the tried to collect was around was on XX/XX/XXXX. I do have docket if needed.
The Company is : Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
|
| 01/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Jefferson Capital System reported to XXXX, XXXX, and XXXX that I had an account with them that I opened on XX/XX/2019. This information is false because I did not open any credit card accounts in XX/XX/2019.
I want Jefferson Capital System to submit the following to me as proof that I opened this account on XX/XX/2019.
The initial agreement between myself and the creditor.
A transfer of debt ownership to a third-party collection agency.
My payment history.
The current account balance.
Fees and penalties added to the account.
The collection agency 's bonded right to pursue the debt in my state of residence.
Afterwards I want Jefferson Capital System to remove the information posted on my credit reports from the following credit reporting agencies.
XXXX XXXX XXXX In addition Jefferson Capital System or it's subsidiaries are not to contact me in any form about this account.
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company has not followed the credit reporting guidelines. The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. This company has neglected to send me any correspondence and/or any means of communication validating if this account belongs to me, prior to reporting to the credit bureaus.
They further are fraudulently reporting on an account that has no merit, as I never had an account with XXXX or Jefferson Capital in XX/XX/2019 in the amount of {$2600.00}, not to mention they have waited seven ( 7 ) years to bring such a claim and have neve sent me any correspondence signed contracts, etc.
They have not provided any original documentation to prove I have had an account with them through my many attempts to request this information, they have refused to provide any such documents and continuously harass me.
|
| 12/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My legal name is XXXX XXXX, I currently reside in XXXX, Georgia. I am demanding that XXXX remove the fraudulent, inaccurate accounts listed below from my credit file. The credit agency " XXXX '' faced a global security breach, resulting in millions of consumers personal information exposed, my name, birthdate, social, and address were exposed in this breach. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area to file suit against your company for reporting this fraudulent information. It has been 30 full business days since I've contacted Jefferson Capital Systems to provide me with the legal documentation as to how any of these accounts were opened in my name, however I have yet to receive any information obtaining these accounts that were placed on my credit file.
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
In XX/XX/2019, I went on a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Before I left for the trip, I called XXXX and made arrangements for the at sea rates. I have some of the text messages of the rate agreement. I have some of the text messages of my concerns of being charged regular rates. I was told that I would not be charged that rate. At the end of the trip, I was charged I repeatedly tried to get it adjusted to the agreed upon rate, to no avail. It has been sold to a collection agency.
I have been affected in so many ways by this. I was in XXXX XXXX XXXX XXXX XXXX, due to XXXX. Besides XXXX XXXX I have XXXX XXXX as a result. I wrote XXXX as well as the collection agency. It it now on my credit report as a collection.
I have several letters that have been submitted. I have text messages. I will only upload a sample of what I have sent. Please contact me if you need more.
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
My file # is XXXX This was a fraudulent account opened at the beginning of XXXX in XXXX, Oregon under an apartment address I left in XXXX. The amount of the of the account was {$130.00}.
I disputed this with XXXX XXXX on XX/XX/XXXX. Please see the status below : Completed JEFFCAPSYS Reported on XX/XX/XXXX {$130.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity.
Dispute Reason Ownership : This account was opened fraudulently.
**************************************************************************************** I had a XXXX account until XXXX. I never had a XXXX account until XXXX.
XXXX called me and saw that it was not my account. They reported as fraud but it is STILL on my credit report under Jefferson Capital System.
|
| 09/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
it seems between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is JEFFERSON CAPITAL SYSTEM. The original creditor was XXXX XXXX XXXX.
I declared bankruptcy in XXXX and this was part of the creditors who were included in the bankruptcy. At the time, XXXX dropped my credit by a large amount with one creditor. Now, 15 years later, they have dropped me with the other creditor. What can I do about this? XXXX was my young daughter 's cell phone provider. She is now an adult with XXXX children. What can be done about this besides paying them off. I am in a XXXX from XXXX now and money is a problem.
Also, that bill with XXXX i over XXXX XXXX XXXX. XXXX dropped it. So who is this new creditor, JEFFERSON CAPITAL SYSTEM? And how can they legally drop my credit score by this large amount when the debt was resolved with the bankruptcy?
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am lodging a formal complaint against Jefferson capital system. This debt collector has reported derogatory info on my three credit reports for a debt I have no knowledge of for the amount of {$660.00} from a XXXX account. I have lived in XXXX XXXX, NJ my whole life and never had service with XXXX. I never received anything in the mail from this company or phone calls to let me know about this debt. Which is a violation of the FDcpa. Debt collectors must send me a notice by mail which gives me 30 days to dispute validity of account. I am in the process of purchasing my very first home for my family and I and this account is holding me back. I am requesting immediate deletion of this errounous account from my three credit reports so I can purchase my first home. I will be filing XXXX complaints and attorney general complaints if this account isn't deleted. Thank you for your time!
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
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Attached is a debt validation letter addressed to Jefferson Capital Systems , LLC.
This was furnished on my credit report without my written consent and was not validated according to my consumer rights found in 15 usc 1692g. It also states in 15 usc 1692g ( c ), that the failure to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I also received a debt collection letter with multiple FDCPA violations which are listed. Each violation is up to {$1000.00} fine per violation according to 15 usc 1692k ( A ) ( 2 ) ( A ). My federally protected consumer rights have been violated on multiple occasions.
15 usc 1692b ( 5 ) 15 usc 1692f ( 8 ) 15 usc 1692g ( c ) 15 usc 1692e ( 10 ) 15 usc 1692b 15 usc 1692e ( 11 ) 15 usc 1692e ( 2 ) ( A ) I request you remove this alleged debt from my credit report immediately.
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| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have filed numerous dispute against the company tell him I dont owe them nothing I dont know who they are they got the wrong information on there in the wrong mail and they even shown thoughts information to the list XXXX XXXX this is been going on since XXXX and finally on thanking and I are sharing the investigators finally busted them in their lies and XXXX and XXXX but yeah its still on my XXXX and my XXXX credit report and XXXX credit report they cost me to lose a lot of loans cost me higher interest rates I lost a lot of money whenever I tried to borrow money XXXX pay higher interest rate because of them I believe they owe me a lot of money like I said this is been going on since XXXX and here it is XXXX and I wont conversationFor aggravation deformation of character and use mental anguish for a damage they have done to my reports my credit and was messed up cause of them
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| 05/31/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX department XXXX XXXX XXXX MN XXXX XXXX Cell phone Acct # XXXX Charge off {$1300.00} Connect date, Delinquency XX/XX/XXXX Date reported XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them.
On Sunday, XX/XX/XXXX, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, Jefferson Capital Systems LLC, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed.
This violation has been reported to the CFPB and XXXX
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| 08/18/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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JEFFERSON CAPITAL SYSTEMS,ACCOUNT NUMBERXXXX IS A COLLECTOR FOR ORIGINAL CREDITOR ,XXXX ,THAT IS WRONGFULLY APPEARING ON XXXX XXXX AND XXXX CREDIT BUREAUS.THE PROBLEM IS THAT XXXX PHONES AND SERVICE PROVIDED WERE NOT ADEQUATE AND DID NOT PROVIDE EVEN REMOTELY ADEQUATE SERVICE.MY FAMILY HAD MULTIPLE PHONES THROUGH XXXX..WE USED THEM WHILE HOME WAS XXXX XXXX,OUR BUSINESS WAS AS A VENDOR IN WEEKEND FESTIVALS IN XXXX XXXX,CA.IT MAY BE DIFFERENT NOW ,BUT AT THE TIME THERE EXISTED LESS THAN THE REQUIRED CELL TOWERS TO DELIVER SERVICE IN XXXX XXXX.WE USED THE PHONES TO COMMUNICATE BETWEEN OURSELVES AND CUSTOMERS..INTERFERENCE,DROPPED CALLS,UN-RECEIVED MESSAGES,AND NO CONNECTION AT ALL WERE THE NORM.WE COULD NOT USE THE PHONES AND SERVICE AND HAD TO GO WITH ANOTHER PROVIDER.WE WERE CHARGEDIN VIOLATION OF CALIFORNIA'S IMPLIED WARRANTY LAW AS IF THE PHONES AND SERVICE WERE FUNCTIONAL.
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| 04/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Charge from XXXX is early cancel fee. In 2016 XXXX was to send me a phone next day - no record and follow up call when phone received advised I would be out of phone for several days possibly a week. They were unable to allow me to acquire the same phone from a store. I had just recently been laid off and a phone was a necessity as I did not and do not now have a land line phone.
I ported the number to XXXX XXXX XXXX the next day - Saturday, I believe. I attempted to resolve the issue on multiple occasions with XXXX to no end. They would not own up that it was their own actions that resulted in my departure. Jefferson Capital is
attempting to collect on a debt accrued in IL in 2016. The statute of limitations is 5 years. I have attempted to ask they remove the collection from my credit report directly and via XXXX ( only agency reporting the debt ) without success.
Please help.
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| 07/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low!
I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what XXXX has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting!
That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019!
XXXX just reports and post anything in attempts to hurt scores and reports!
What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!
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| 08/24/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I ran my credit and saw varied amounts being reported. XXXX to XXXX and XXXX to XXXX. I was able to dispute through XXXX and XXXX, however XXXX when they investigated removed. XXXX stated that they are now reporting a credit date of 2018 and a balance of XXXX. When I called Jefferson Capital Systems who is reporting the debt they advised after verification of my identity they can't and won't provide me any details about my amount owed, or why its owed unless I pay them to check my credit reports. I refused to pay them money to check my credit and requested balance of reported collections and why. I advised them I have had identity theft from the 2018 questioned year and need to find out where this balance is coming from ... they again refused to tell me information unless I paid them a XXXX and allowed them to run my credit. This is not legal and needs to be stopped immediately.
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| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I had an account which XXXX said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed XXXX made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to Jefferson Systems LLC who can not be reached. XXXX would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if Jefferson Systems LLC is a real legitimate company as they can not be reached.
The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. XXXX needs to be held accountable for the money they steal from clients and small and large businesses alike.
XXXX even erased my transaction history, to hide their tracks.
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| 06/27/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Repetitious calls from a third party company XXXX XXXX XXXX XXXX by very rude customer service agents after I have repeatedly asked them not to call me about the second party company XXXX XXXX XXXX XXXX XXXX XXXX intention to collect a debt for the first party company XXXX XXXX XXXX XXXX. I don't keep records of the phone calls ( 2 to 3 Times a week ). The unresolved debt is XXXX to XXXX XXXX XXXX. I have called XXXX XXXX XXXX on several occasions to speak with an company official regarding handling this but only to be connected with a outsourced communications company handling their phone calls in some third world country and was unable to resolve any issues. I have tried to communicate with XXXX XXXX on 2 different occasions to discuss the matter but was connected with a very rude CSR demanding payment immediately and that I was to provide her with all my personal information.
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| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 U.S.C 1681.
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 an account without my written instructions.
15 U.S.C 1681 C. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 01/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX account I had had been canceled and equipment had been returned to store in XXXX. About a year later around XXXX of XXXX a XXXX rep called trying to collect on a debt before it was sent to collections. After talking to them for quite some time I was able to get it sorted out and took a screen shot of my XXXX account showing a paid in full status with {$0.00} balance on XX/XX/XXXX. Rep told me they would send a letter but a letter never came. In XXXX Jefferson Capital showed up on my credit report showing an account that they were collecting on from XXXX. I've disputed this account multiple times and each time they verify it as accurate. I recently was able to get the screen shot showing a zero balance off an old phone. When I disputed and included this screen shot they still verified the debt as accurate due to the submitted document being an image file and not a letter.
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| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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On XXXX XXXX I was alerted that a collection was added to my account ( opened on XXXX XXXX ) by Jefferson capital system for {$81.00} on behalf of XXXX.
Since XXXX XXXX that the account was opened I have not been provided with the following : - Agreement with the creditor that authorizes you to collect on this alleged debt - The agreement bearing my signature stating that I have agreed to assume the debt - Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations has not expired - Complete payment history on this account along with an accounting of all additional charges being assessed -Show me that you are licensed to collect in my state ; and - Your license numbers and Registered Agent This illegitimate debt is affecting my credit score in a negative way and must promptly be deleted due to its inaccuracy.
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| 09/22/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates the JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) and JEFFERSNCP were found on my credit report in violation of Federal Law. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
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| 11/16/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I had a bad debt show up on my credit report for {$2500.00} from a company 'Jefferson Capital Systems , LLC '. I did not recognize this company or recall owing a debt for this amount. I tried calling the company at the number listed on my credit report in XXXX of this year. I spoke with a representative in another country who was asking for my social security number. They told me that they bought the debt from a wireless cell phone provider. I refused to give them my social security number and asked to speak with a manager or someone that I could better communicate with due to the language barrier. The representative hung up on me. I do not owe this company money and I am unable to get this matter resolved or removed from my credit report. I am also getting letters from other third party company 's stating they own this same wireless cellular debt with different amounts due.
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| 09/27/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Back in 2017 I had my identity stolen and they charged a XXXX account using my information. From the account, XXXX sent the debt to collections before even reaching out to me ( which I had no information or access to the account ) and ever since then, the collection agency will call multiple times a year and sent letters about the amount owed. I have contacted the agency to tell them my information was stolen and sent them online police reports and that I should be fine now but they are still trying to collect. I have checked my credit report and there is no such outstanding balance/debt on my record so I am unsure why they keep sending me letters. The agency is called Jefferson Capital, with reference # XXXX and this has been ongoing since 2017. If there was an actual outstanding balance, it should show on my credit report and affect my credit but I am not seeing anything.
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| 10/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements.
XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX.
I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX.
And how can I owe on an account that I never opened in XXXX.
And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments.
This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot.
Please can this be resolved? I would greatly appreciate it.
Thanks.
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| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I attended XXXX XXXX College ( a proprietary school ). I was taking prerequisite classes to enter their business program. They misrepresented themselves and stated that I would not have to pay till I started the actual business program. While in the prerequisite classes, they then announced that the business program was no longer being offered. They offered other programs for me to enter, and as I was thinking over their offer, the entire school closed down. They were owned by XXXX Colleges, and I heard that all their schools closed. Today, I found out that they are reporting on my credit report that I owe them a debt ( that was sold to a debt collector ; Jefferson Capital Systems ). They are claiming that I owed the school money. I feel it is the other way around, they wasted by time by making false promises they could not keep and eventually the entire school closed down.
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| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system XXXX to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ JEFFCAPSYS XXXX 2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX XXXX XXXX entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX/XXXX XXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ).
This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
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| 06/19/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Allegedly i owe {$920.00} to a credit card in which i never had a credit card with that line of credit. I never received correspondence from this agency that they have an closed account under my name. I found out through XXXX XXXX. The company 's name is Jefferson Capital. I sooke to a representative on XXXX XXXX.They are not abiding under the fair debt collection act, by not sending correspondence. As you jnow this further more hurts my credit, not corresponding. For I am also concerned because they are locate at XXXX XXXX XXXX, XXXX, MN. I reside in New York. I asked for debt validation to see if their proof of license can be conducted in New York. When i asked them for debt validation they did not want to proceded but explain the charges on my account.Please intervene, contact this company. Tell them to delete this from my credit report and seize all collection efforts.
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| 06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX/XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX, XXXX and XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX, XXXX and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
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| 03/07/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a notice in the mail on XX/XX/XXXX from a collection Debt company called XXXX XXXX XXXX. XXXX for a amount of {$620.00} from a company called XXXX XXXX based in XXXX, Michigan which is back dated to XX/XX/XXXX. I have never gotten a notice form XXXX XXXX for any unpaid balances nor have I ever lived in XXXX or signed up with the company XXXX XXXX. I have called XXXX XXXX as they told me I would need to fix it with the collection agency XXXX XXXX XXXX. I also filed with XXXX credit for fraud and Identity theft. They could not resolve the situation and XXXX XXXX XXXX. XXXX has said that I need to Supply more information. But when asked what is needed to supply it isn't a straight answer. I've been dealing with this for over 2 months now because everything is mail from XXXX XXXX XXXX. XXXX and it has taken a toll on my credit dropping a significant amount in point.
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| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company ( Jefferson Capital System ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
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| 03/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I disputed the XXXX XXXX XXXX collection account in XXXX of XXXX as " Does not Belong to Me '' with the CRA 's. They started reporting in XX/XX/XXXX, years after the original creditor, XXXX XXXX, has resolved my CMRRR dispute and removed the debt that resulted from my identity being compromised. XXXX had stopped reporting, then years later XXXX XXXX XXXX showed up on my report.
XXXX XXXX XXXX failed to respond to my initial dispute so on XX/XX/XXXX I sent them a letter enclosed a copy of an FTC Identity Theft Report, a police report, and proof of identity requesting they delete the account and provide me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit file. I still have not received any response, other than the account being reported as accurate with the CRA 's.
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| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX for several years have been contacting me only via XXXX mail and i have several, several times contacted them over these years to advise them, that i have never had an account in my life with XXXX. When i have called about this " debt '' in question the typical answer why they can't find me in their system is because the account is old and the records are purged. which is bogus. it's because they have no such account with any documentation from me. XXXX failed to ask XXXX XXXX the collection agency ( XXXX capital ) to provide any solid documents showing me every signing up for an account with them of any kind. Because there are not any. i unfortunately can not provide you with any dates or details as i have none. thank you so much for any assistance you can provide. I really do value my credit rating and this collection account is hurting it tremendously. Thank you.
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| 09/15/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Called Jefferson Capital Systems LLC to find out what the debt was about and why did it just showed up on my credit report. I have never heard of a company called Jefferson Capital System. I never got a notice in writting to validity of the debt or who the debt was for.
I called and talked to XXXX ( not in XXXX ) language barrier and was very hard to talk to and she passed me to XXXX and i had a hard time talking to her and asked for the Legal Dept. and she said she was in the legal dept. Ask to talk to someone with the legal dept who i could understand and was passed to another gental man who i couldn't get his name and fininally just hung up on them.
Called XXXX XXXX XXXX in XXXX XXXX Mn and getting nothing but a recorded line about account numbers or SS which i will not give my SS to just anyone.
So i filed a compliant the Sec of State in MN. and with this agency.
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| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I called numerous times and they keep staling and don't want to talk to me. They sent me to collletion for a amount of XXXX and I have never bought anything from them and the put on my credit report that it was opened in XX/XX/2023 and that it was a joint account and they won't tell me who the other person is. I don't owe this money it was not me I think someone stole my identity and they won't talk to me. I called the Collection agency and the guy said he was going to charge me money to fix it. But I don't owe the money. So why should I have to pay to fix it? I think I'm being scammed they took my identity. This is not me, I need help fixing it. Somebody's got ta know something. XXXX XXXX XXXX in XXXX, Alabama. Is the people that sent me to the collection agency?
The collection agency 's name is Jefferson capital systems.XXXX XXXX XXXX XXXX is the guy I talked to.
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| 02/01/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Servicemember |
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Complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Received notification on credit report that the company had added a derogatory collection on my credit report. Never received a correspondence via mail or anything about the collection. The collection agency fail to provide information in regards to this collection. Debt was never confirmed to be mine. No Contract was ever signed with the Collection Agency. I never received any information that was submitted to the Credit Bureau to showing that this debt was mine.
I have proof that the collection was added to my credit report around XX/XX/2019. That is how I was made aware that something was added to my credit report.
statue of limitation in the state of Texas is four years. Not understanding why would this collection agency report something that failed to send me information about this debt.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Jefferson Capital Systems {$700.00} XXXX XXXX : Police Report/identity Theft Report, FCRA Sections 605B, 615 ( 1 ). 623 ( a ) ( 6 )
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| 11/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Jefferson capital has 1 accounts currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct # XXXX
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| 10/19/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, this is a violation of my rights due to perform or exercise because I was denied extension of credit for inaccurate and false pretenses of any person who knowingly and willfully obtains information on a consumer from a consumer credit reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
If you can not provide me with proof of my lawful consent of any transaction that took place between the creditor and the debtor that means it is willfully and knowingly that this information is INACCURATE and False and I DEMANDING that you DELETE all FRAUD thats reported on my consumer credit report or their will consequences and penalties for the violations.
Best Regards, XXXX XXXX
|
| 09/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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To whom it may concern : I have not received any communications, but received an alert from my online credit monitoring that I had a negative item hit my report. I looked into this and it was from a JEFFERSON CAPITAL SYSTEM, and it referenced an original creditor of XXXX XXXX XXXX XXXX, and it appears that it says it was opened with JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX per my monitoring credit report. I never opened any account with that original creditor nor received any response from this collection agency when I mailed a letter on XXXX, XXXX as I had limited information. I did not call because I hear the horror stories of collection agencies and not going to be abused for something to upset my XXXX XXXX. I have never had any accounts or balances near what is being on there, and I assume the XXXX reference is that online bill services. I have never used them.
|
| 08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital Systems , Inc. and now XXXX XXXX XXXX have reported a debt on my credit report and continuously attempted to collect a debt that is not and has never been my debt, nor is it an account for which I am knowledgeable or a guarantor.
I have contacted XXXX XXXX, the listed debt description, in person and by phone on numerous occasions. XXXX has confirmed repeatedly by phone that no debt exists in my name or related to my social security number. Despite reporting this to the credit bureaus and debt collector, the debt continues to be reported against my credit.
The amount of the debt listed is {$680.00}. The current debt collector is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Their reference number is XXXX. The same debt is also reported by what appears to be a related company, Jefferson Capital Systems. Inc.
Thank you for your assistance.
|
| 05/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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This " XXXX XXXX '' electric bill originated in XX/XX/XXXX. The supposed current balance is {$560.00}. The statute of limitations in Michigan is 6 years. I have been directed to several companies, and no one has produced any paperwork. XXXX has already approved the dispute and has removed it from my Credit Report. I am just hoping this will encourage XXXX and XXXX to follow suit. For approximately 6 years, I never received any correspondence for this account, nor any calls. This item popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing, this item should be removed from all XXXX of my credit reports. Due to the time sensitivity, I am hoping that this will expedite the removal process from the other 2 credit bureaus, XXXX and XXXX. Once again, XXXX has already deleted the item. Please help.
|
| 09/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Earlier this year, I received a call from someone asking if I could verify myself, I refused so they said they were unable to assist me. I then received another call asking me to verify myself again, I then asked them to verify who I was since they were calling me. I was then told that if I do not verify who I am that they are unable to assist me. About month or so later ( I believe XX/XX/2019 ) I noticed a new negative account on my credit report. So, I was never advised that this was an attempt to collect a debt, nor was I advised that I could dispute this debt, nor was I offered any verification of this debt. I still have this debt on my credit report LISTED TWICE FROM TWO DIFFERENT DEBTORS as if there is more than one account in question. However, I have not authorized any chargers nor have I signed any credit agreements for the credit card debt in question.
|
| 04/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently pulled all three of my credit reports, XXXX XXXX and XXXX. After reviewing them I noticed a collection account in the amount of {$570.00}. I am not sure how this has come about. The company listed name is Jefferson capital. I have never had any business dealings with this company whatsoever. I have also disputed this account several times and continued to get automated email responses stating that the account is accurate and will continue to report as such. I have requested for the company to send real verified documentation showing that I am responsible for the bill, but they have yet to do so. I am working full time and I am also in the process of trying to purchase a new car but my credit score has been severely impacted in a negative way due to the inaccurate collection that is listed on my report. Please remove this negative item from my report.
|
| 02/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit score dropped dramatically though I have been paying all the bills on time since I arrived at US in XXXX. I never had any issue with late payment or debt. My credit score has been excellent except this happened. When I checked my credit report, I found out that there are incorrect address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ), phone number ( XXXX XXXX ) and debt on XXXX account ( XXXX ) which I never opened. I do not know how someone got my info and stole my identity. XXXX did not check the info securely and easily opened the account with someone's stolen information. I have never experienced identity theft issue and very complicated. Now XXXX sent it to Jefferson debt collection amount {$5400.00} that appeared on my credit report. It caused a lot of stress to a father of XXXX, who struggles to pay the rent, bill, family expenses every month.
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to XXXX XXXX in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency JEFFERSON CAPITAL SYSTEM opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than XXXX XXXX which took first ownership of the collections account to begin with. I believe that I have no knowledge of JEFFERSON CAPITAL SYSTEM made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against JEFFERSON CAPITAL SYSTEM
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have no idea who these people are. I got a notification on XX/XX/XXXX from my XXXX app stating that I had a new collection from Jefferson Capital for a XXXX XXXX bill for {$200.00}. I have never received any previous notification from this company. I work hard to keep all my contact information up to date on my credit reports, which show my current phone number and address, yet these people have not notified me in writing or validated that this is my debt. I have had XXXX for over 5 years so I have no idea what they are referring to. It is so disgusting that these collection agencies just get to do what they want and ruin people 's credit. I sent them a certified letter that arrived last Thursday XX/XX/XXXX, and yet here they are today adding this garbage to my XXXX report despite me stating in the letter I was disputing this and to tell the 3 bureaus that.
|
| 01/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently called and submitted a letter to XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX XXXX XXXX to remove the collection from my credit report until the debt is validated.
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
JEFFERSON CAPITAL SYST is reporting that I have an open balance of XXXX on three of my credit reports. I have never received any corresonpondce from this company informing me that I have an outstanding balance explaining the nature of the debt. The debt balance has initially been from XXXX that was a dispute that while was XXXX in XXXX and was charged-off sold to XXXX XXXX XXXX, which I disputed the amount owed with several times. In XX/XX/XXXX, the company removed the balance from my credit report. I recently pulled my credit report and seen that In XX/XX/XXXX, JEFFERSON CAPITAL SYST place this on my account as a past due account, which is inaccurate information and is reporting a of XXXX is a revolving line of credit. I would be grateful for any assistance to resolve this matter because I won the dispute with XXXX XXXX XXXX for faulty collection practices.
|
| 07/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store.
A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full.
The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.
|
| 03/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
How can they The item was deleted from my credit report and then reinserted without any notification.
I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).
|
| 06/12/2023 |
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
|
|
Web |
|
|
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.
|
| 06/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XXXX the XXXX 2019 I mailed XXXX XXXX XXXX in regards to account number XXXXxxxxxxx. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$500.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report Delete account number XXXXxxxxxxx from my credit report across all three credit bureau agencies.
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX - I obtained a FICO XXXX credit report. On this credit report, XXXX XXXX XXXX lists a debt in collections for the amount of {$610.00}. They claim that the original creditor is XXXX XXXX and that the debt was assigned to XXXX XXXX XXXX on XXXX XXXX, XXXX. They list an account # of xxxxxxxxxxXXXX. I have never had an account with XXXX XXXX and didn't know what to do.
On this same day I met with a financial professional provided by the Department of Defense to assist servicemembers with their finances. This financial professional called the fraud department at XXXX XXXX with me. The fraud department searched for any unpaid debt under both my name and social security number and found no evidence that I have ever had an account with XXXX XXXX. Since there is no record that I have ever had an account with XXXX XXXX, I do not owe them any money.
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right.
This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action
|
| 05/25/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
company repeatedly updates credit report claiming I opened an account with XXXX 2 years ago which I've not done. The only account I had with XXXX was in XXXX. This company has falsely claimed the account was accurate for credit disputes purpose. XX/XX/XXXX last payment was made for XXXX to XXXX. Bill amount at time of payment was XXXX. collection company has repeatedly claimed the bill total is XXXX and on Thursday XX/XX/XXXX the claimed the excess amount was for collection fees due to the period of time however company has always claimed this is the amount due of the deliquent phone bill.Collection company using spoofing numbers from local cities. company has begun calling my cell phone and work number using this practice. company should be fined for use of illegal practices. number they are currently using is XXXX XX/XX/XXXX XXXX wednesday XXXX XXXX
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The debt collection company JEFFERSON CAPITAL SYSTEM continues to change the start date of the debt ... the XXXX XXXX debt was reported in XXXX originally ... I do not receive statementS from JEFFERSON CAPTAL SYSTEM monthly anymore ... they send a statement once every six months or so and then change the beginning date on my credit report to the date they have mailed the current statement ... this debt was supposed to be removed by XXXX XXXX in XXXX because the young men at the store ( a franchise ) were investigated for " improper account manipulation to gain commission '' and found to have fraudulently reported this information to XXXX XXXX ... Who in turn sold the debt to JEFFERSON CAPITAL SYSTEM ...
I have not had contact with JEFFERSON CAPITAL SYSTEM since XX/XX/XXXX ... So they are incorrectly reporting of the beginning date of this debt ....
|
| 05/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed this inaccurate account a long time ago and Jefferson Capital still has never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the item must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
|
| 05/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a XXXX account many years ago and closed it down. I was given some charges after the fact without notification. They sold it without notifying m e to Jefferson Capital Systems. After that, interest began to accrue without my knowledge. It grew to {$310.00} as of 3 days ago when I found out about it on my credit karma report.
It has been over 3 years since they filed it. I 've never received a call or letter. I also ca n't contact Jefferson Capital Systems. Their online site only solicits messages from corporate interests and ignored my messages. I 've tried to contact them through any # or email or site I could find, but it is impossible.
I 've never had an otherwise unpaid payment as per my his tory. I had a student loan which I paid in full before the end of graduating, so I do n't want this to have a negative effect on my limited credit
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Account Number XXXX Dear Sir or Madam, I am writing in response to your collection notice regarding a debt from XXXX XXXX XXXX XXXX XXXX for {$1300.00}. According to your notice, this debt was incurred on XX/XX/XXXX and is currently in collections.
However, I would like to dispute this debt on the grounds that it was included in my XXXX XXXX bankruptcy, which was discharged on XX/XX/XXXX. The debt in question was discharged as part of my bankruptcy and is no longer owed.
Please see attached bankruptcy documentation that demonstrates XXXX XXXX XXXX XXXX XXXX was included. I have reported to the FTC that you cease all collection activities.
I appreciate your attention to this matter and look forward to your prompt response.
Sincerely, XXXX XXXX
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Had cell service the service however didn't work in the area I lived. My complaints caused the phone company to suggest updating my cell which I did and didn't improve my service so with multiple complaints of dropped calls and inability to make calls XXXX released me from contractual obligation the failed upgrade put me in.I wasn't under contract prior to upgrade and was month to month until the update they recommended Since I was released and needing service I found a new carrier. It was when I had already opened new service that I called XXXX to see if I was expected to return the old phone and the rep on the phone didn't know about my account and told me I would be charged? I purchased a new phone and service and XXXX expected me to honor the contract I was told I was released from?? I was a customer since the mid 1980 's and am disappointed!
|
| 12/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
On XX/XX/XXXX at approximately XXXX XXXX, a process server arrived at my home. I was not at home, but the process server advised my spouse that we had a court date of XX/XX/XXXX, and that the case was in regards to XXXX. Myy wife informedme of the incident, and after some research, I was able to locate the debt collection agency, XXXX XXXX XXXX , XXXX based out of XXXX XXXX, MN ( hereafter referred to as XXXX ). I then contacted XXXX, and inquired as to when the debt validation letter had been sent. I was placed on hold for two minutes, and after being taken off hold, I was informed that the lawsuit was in the process of being dismissed, and that they were preparing a debt validation letter, and were willing to make a payment arrangement.
My complain is that the agency in question initiated a lawsuit without properly notifying me of said debt.
|
| 05/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I've recieved a letter on a debt that was deleted from my credit file awhile ago after disputing with the credit bureaus. Then the account was sold to a collection agency XXXX XXXX XXXX XXXX back in XXXX. I disputed and was removed from their systems and given back to XXXX. I filed a complaint back in XXXX. Now this new company is doing the same thing. They are trying to re-age the account. This dates back to XXXX. Now I've submitted proof to show it was deleted from the credit bureaus. When I disputed with XXXX XXXX. So I will do the same with this company. Also since they have not provided me with anything other than a letter to collect I want the following mailed to me in it's entirety : Debt proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor A copy of their license to collect in the state of NJ
|
| 11/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a garnishment summons from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems , LLC and my earnings have started to be garnish, I'm not able to pay my rent due to this. This company purchased this debt which was written off on XX/XX/2011 by the retailer, XXXX XXXX XXXX amount of {$1700.00} and now this company wants me to pay {$2400.00} ( it includes {$1700.00} + {$500.00} Interest + {$58.00} Judgement Cost + {$76.00} Garnishment Cost ). I don't owe this company anything because I haven't done any type of business with them. Please help me because I'm in my XXXX 's and the amount that my employer is taking out of my paycheck makes it impossible to pay rent, utilities, and food. Companies like this should not be allowed to keep on hurting people who can not afford to pay for something that was closed over XXXX XXXX XXXX.
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I had a call which I answered telling me that a lawsuit has been filed against me to press one for more information. I pressed one and a rude individual asked me for a case number. I informed them that I didnt know but expected them to know when they called my phone. She told me that my logic was ridiculous and that she did not call. I informed her that someome from there called and asked me to hold. She hung up. I called back and told her that she was completely unprofessional and in violation of the fair debt collection act. She told me I had " too much energy and that she was not the irresponsible individual who did not pay their debt. '' She hung up. I calle dback and she lets the phone ring. With XXXX, I have learned that the number is registered to Jefferson Captial. I want to pursue this violation and be compensated for their behavior.
|
| 06/25/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This account has been in collection for over 13 years, soon to be 14 years old. It was first held by 12 XXXX XXXX for over 7 years. And then sold for pennies to Jefferson capital system. This company has held it for more years. This account is as old, or from 2007 till present - over 10 years old - this account should have been closed. Jeffcapsystem bought this account for XXXX, and ignores the fact that it is already more than 10 years old in collections. This account should not be kept in debt or collection. It is breaking the RULES of LAW in collection.
JeffERSON capITAL system {$790.00} I contacted XXXX but they keep saying there is a glitch, or an error on file. They can't remove it they say. XXXX is having a problem, or making it.
This account is over 10 years old in collection. It should have been removed years past, but has not.
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX/XXXX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach.
ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, Jefferson Capital System added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. When contacting Jefferson Capital System, I was informed that they no longer had the debt and it was sent to XXXX XXXX. I called XXXX XXXX and was informed they couldn't find the reference number associated with any account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debit at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 05/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital Systems , LLC is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Jefferson Capital Systems, LLCt to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
|
| 07/07/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am having a hard time believing that an investigation was done regarding an account that's reporting on my credit report. A company by the name of Jefferson Capital is reporting a collection account to the bureaus. I disputed this months ago because I've never had an account with this company. The original creditor is XXXX XXXX and I have already discussed payment plans. The amount on this account is not the same balance that I have with the original creditor. A remark is on my credit report acknowledging that I disputed this account, but I have yet to receive validation. Please provide the original contract where it includes Jefferson Capital as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
|
| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with Jefferson Capital Systems LLC over a debt Ive deny obligations of. Jefferson Capital Systems LLC purchased my information from XXXX XXXX XXXX since then Jefferson Capital Systems LLC took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years Jefferson Capital Systems has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from Jefferson Capital Systems Stop immediately. Jefferson Capital Systems LLC have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act.
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
|
| 06/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.
|
| 11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts you are reporting.Please fully validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question.
1. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$790.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$3000.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$1100.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete.
Thank you, ( XXXX XXXX )
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am in the process of closing on my home. I pulled my reports on XXXX XXXX , 2017 and no tice this new collection from " Jefferson Capital System '' add to my reports. Which caused my scores to drop. I never received any notification from this company. They just added this collection to my report. There is a 30 day validation before adding a collection to a consumer report. I never received anything to my home address to ask for validation from the collection agency. This is a third party collection agency. I never signed a legal binding contract with them. I am very XXXX about them adding this negative account to my reports. I am a week away from closing on my home. I need this account immediately removed from all three major credit reports IMMEDIATELY. This negative account will cause delay in my home ownership.. # XXXX
|
| 03/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.
|
| 10/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX was the original creditor. I took out a personal loan and used my title as collateral so secure the loan. I defaulted on the loan. XXXX XXXX XXXX sold my debt to Jefferson Capital, LLC. United States Code 18 Section 8 states that ALL BILLS ARE PAID! Federal Reserve Act 16 Section 1 and 2 tells you the application is the security collateral. I was duped from the start. I am demanding presentment to get my title because I am the registered owner. My loan was paid in full once XXXX XXXX XXXX sold the debt to Jefferson Capital, LLC therefore I am expressing my power and duty over my property ( my title ) and want them to admit their breach under the FOIA ( Freedom Of Information Act ). I am demanding Jefferson Capital, LLC and XXXX XXXX XXXX to provide me of all records of lien or perfected security interest in my title.
|
| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I entered a consumer credit transaction with the alledge original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party debt collector JEFFERSON CAPITAL are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. JEFFERSON CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello and Happy New Year! I received a review on my credit report when I took out a loan for my son. It's showing that XX/XX/XXXX they have this account, and this account was written off by XXXX and I received a letter stating it was written off XX/XX/XXXX so why is this reporting that the account was in collection as of XX/XX/XXXX. They re-aged the account incorrectly on my report. Also on my credit report they have the account number as XXXX and I don't have any record of this account number. I would like the open date fixed to the correct date or they need to remove this false information from my report with their company since I have no record of doing any business with them Also, on XX/XX/XXXX I spoke with XXXX, and they were sending me a 1099C form removing the balance owed so how is this account now with a different company
|
| 07/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was contacted by Jefferson Capital Debt Collection company about a XXXX account that I had been in arrears, and was recently paid off in the last 60 days, from phone number XXXX.
The debt collection company representative disagreed with me about the fact that I had paid the account off, and further stated that due to the age of the account that they knew that they could not sue me for the amount in question by them.
They further continued to argue abusively toward me that they had never received the settlement amount that they purposed via the U.S. Mail.
I advised them that they were or could be ... in violation of the T.C.P.A. laws for calling my cell phone, and to not ever call me again, because their telephone operator/representative kept yelling in my ear lies about me not paying their account they represented in full.
|
| 08/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
InXX/XX/XXXX, I applied for a XXXX account and I didn't know about the predatory interest rate that came with the credit account. I became the only working member in the household of XXXX in XX/XX/XXXX due to my husband becoming ill and could not afford the payments. The account was late for 3 months then sent to collections/charged off. On my credit report XXXX has 3 different reporting, consisting of account # XXXX, # XXXX and JeffCapsys XXXX, which is collection agency. I agreed to settle the account with them for {$600.00} and they sent a letter for paid in full. They then listed the balance ( {$730.00} ) of the account on my credit report instead XXXX the account as promised. The reporting of when charged is changed twice and then listed as this year instead of XX/XX/XXXX. Please help me to resolve this issue with XXXX XXXX.
|
| 05/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Jefferson Capital System s aid i owe XXXX XXXX After reviewing my recent credit report i contacted the company letting them know this not my debt and do not have or ever had a account with them asking them to remove this account through letters the company did not respond more then a month and a half XXXX XXXX Bank said i owe them XXXX XXXX i contacted them through letters stating this debt is not mine asking them to remove it but 2 month have gone by with no reply XXXX XXXX has inquiries on my credit file XXXX , XXXX and XXXX that should not be there. i have a credit card account with them in good standing These are soft inquires so why do they show up on my credit fil e XXXX rep ort a inquiry XXXX i never applied for credit with XXXX i sent letters requesting them to remove the inquiry with no reply
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On XX/XX/28 I was denied for my XXXX XXXX credit card ( which Ive made payment on in a settlement agreement ) XXXX XXXX housing property manager said it was listed on my credit report as a landlord tenant. The system XXXX XXXX Renewal Uses is Safe rent solutions and they provided me with a copy of the report and told me in their system it is shown as a credit card but XXXX XXXX denied me and listed as tenant/landlord. That is NOT a tenant/landlord is is a Credit Card and XXXX XXXX XXXX says their system identifies it as a credit card and they dont know why XXXX XXXX put it as landlord lord tenant and they couldnt call XXXX XXXX to tell them I would have to.
So XXXX XXXX denied me incorrectly. I called to speak to a manager to rectify this ( see screenshot of phone call ) and the representative told me there wasnt one available.
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
|
| 12/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
|
| 04/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them.
|
| 04/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with the company directly but was avdised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # 1 : XXXX case # 2 : XXXX
|
| 12/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i received a letter from a debt collection company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX Credit Card, The bank who filed the claim is Jefferson Capital Systems LLC and the original creditor is XXXX XXXX. I called XXXX and they confirmed my social security number, name and address are correct ; however the email address on file was not. XXXX rep said the account was related to charges from 2017. I have never opened a XXXX credit card so I know this is not my debt. I asked them to please report the account as fraud. The XXXX rep told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.
|
| 01/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX had submitted a claim to my credit score but I'm out of believe {$2500.00} and they were removed off of my credit last year because it was teams not owed. Between XXXX employee benefits of {$250.00} early termination fee coverage for up to four lines plus we had the bill paid off. also around the same time that we went through bankruptcy so this would have also been included in bankruptcy if there was a balance left. I have attached the bankruptcy document with the list of creditors that were included. when XXXX was removed from my credit they went and turned around and submitted it to another collection agency without listing it as being through them and did not disclose that it was XXXX. I tried repeatedly to get those taken off my credit and claimed that it was on bankruptcy documents and it still has not been removed.
|
| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX
I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently.
Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX Department of adult protective services ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.
|
| 12/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC
|
| 06/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For the past year or longer I have repeatedly disputed two accounts with XXXX XXXX that are not mine. The credit reporting agency XXXX XXXX and XXXX would remove them and my score would begin to recover then it would appear again as a collection I would dispute and it would be removed. I now have been combating this account as Jefferson Capital Systems. The bureaus will no longer allow me to dispute the entries and I have repeatedly sent letters requesting debt validation and all I get are letters for payment plans. There are 2 accounts onXXXX for XXXX and one for $ XXXX. These are NOT MY accounts. Please help me remove these from my reports and stop them from placing them on my reports. They are trashing my credit score and fico scores and these aren't my accounts. I never signed for or authorized any account with XXXX XXXX.
|
| 12/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.
|
| 05/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Frther, I certity that I am permised by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willul misstatements or omissions of material facts consetutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. fam alleging that a person or company- without my authorization- used my personal Identitying information to apply for goods, services, or money : and, was successful in creating some accounts. All is being invessigated by the FTC
|
| 03/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against JEFFERSON CAPITAL SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 02/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
JEFFERSON CAPITAL SYSYST XXXX
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
Jefferson Capital Systems LLC : Account Summary. Debt Description XXXX XXXX, Account # XXXX Current Creditor Jefferson Capital Systems LLC, JCS Reference # XXXX Amount of the Debt {$1800.00}.
This is a serious Fraud type of Deal. It happened every time we purchased anything using our Credit. We felt like been Schemes by XXXX XXXX XXXX.
They are in Violation of our Civil Liberties Rights, and our Fundamental Rights. As well as our 4th & 5th Amendment Rights. This Debts Collectors must discipline for Law Violation as I mention here. We absolutely DO NOT OWE XXXX XXXX NOTHING. IT WAS ALL DONE SINCE 2015 THAT WE KNOW OF, IN OUR RECOLLECTION. WE FEEL LIKE THE COLLECTION AGENCIES HERE ARE HARASSING US UNNECESSARILY FOR NO LOGICAL REASON. BUT, CHEATING, DECEITFUL BUSINESSES IN VIOLATION OF OUR LAWS & CONSTITUTION LEGITIMATELY.
|
| 02/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt collection appeared on my credit report recently. This debt was from a utility company in Michigan. It appeared originally around XXXX. I disputed it with the utility company then and it was removed. Now 4-5 years later it reappeared thru a collection agency. I disputed it with them and they were going to provide a report to the utility company as I do not and have not lived in Michigan since XXXX. After speaking with XXXX I was advised to file credit fraud to prevent this fraudulent debt from being sold to another debt collector and reappearing on my report. The amount in {$4000.00}. I cant believe that a utility company can let someones bill accumulate that high without a disconnection of service. It sounds like they are trying to pass their mismanagement issues on to me.
XXXX XXXX XXXX id # XXXX Amount {$4000.00}
|
| 07/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX, XXXX 2023, I, " " paid in full a previous balance of {$590.00} directly to XXXX for the purpose of resolving a outstanding debt to XXXX and to have my credit report to reflect paid in full by debt collector Jefferson Capitol Systems ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) ( XXXX ) XXXX I called Jefferson Capitol Systems directly to advise that my debt to XXXX was paid directly to XXXX. Jefferson Capitol Systems attempts to force me to pay the debt twice before correcting my credit report.
Whereas XXXX was paid directly, Jefferson Capitol Systems is not entitled to a duplicate payment of {$590.00} resulting in combined payment of {$1100.00} for the single debt of {$590.00}.
Jefferson Capitol Systems continue to refuse to update my credit report although the XXXX XXXX is paid in full and is verifiable through XXXX.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have Jefferson Capital Systems LLC reporting on my credit that I purchased a car from a XXXX XXXX in XXXX Alabama. Upon contacting the company I was routed to multiple people that had no information to share with me about the account. After calling back again I was given a reference number and referred to another company. XXXX XXXX XXXX XXXX and was informed that I owned a XXXX XXXX XXXX. This time I was informed that the vehicle was purchased from XXXX XXXX XXXX in XXXX XXXX XXXX. After a spirited discussion with the representative I informed him that I purchased a car from another dealer and he could not provide any information from vin number to location of purchase and immediately offered a fraud alert. He refused to answer why they fraudulently used inaccurate information on my credit report and hung up the phone.
|
| 01/27/2022 |
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
|
|
Web |
|
|
I was taken advantage of due to malpractice. While several FederaXXXX laws were broken under the ( FCRA ) by your company.
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXXXXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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JEFFERSON CAPITAL SYSTEMS has violated Federal laws concerning the use of private information. JEFFERSON CAPITAL SYSTEMS is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting JEFFERSON CAPITAL SYSTEMS to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If XXXX XXXX XXXX isn't able to provide said items, negative accounts must be removed immediately. Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify the alleged debt JEFFERSON CAPITAL SYSTEMS you are interfering with commerce and this is a Federal Crime.
|
| 12/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 12/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 08/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$2600.00}. I only found this out by being notified through my credit monitoring service two weeks ago that a " new collection was added ''. I have not received any notices or letters regarding this account. The collection has not been on my credit report in years and when I viewed my report, it shows as a new debt as of XX/XX/2019 on all three credit reporting agencies. This is completely false. I have sent a debt validation letter to Jefferson Capital and though it has not been 30 days since their receipt, I feel it necessary to pursue all actions available to me because the act of re-aging an account is illegal and negatively affecting my credit worthiness. I request this be deleted from all major credit reporting agencies immediately.
|
| 10/19/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information.
XXXX XXXX XXXX XXXX XXXX XXXX Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
XXXX XXXX had previously sent a debt amount they said I owed. However, I never owned a XXXX XXXX account. I have submitted to their 2 collection agencies who keep harassing me on trying to get me to pay an amount they believe I owe.
I have attempted many times to get XXXX and their collection agencies to redirect the collection effort on who really owns the phone account. But, they are insistent I am the account owner - I told XXXX and both of their collection vendors this is not my debt, phone number, and or account.
I have attached documents and a letter I would like to send to you for assistance in clearing this matter up. If you review all of my credit accounts I am in good standing in all of my credit cards, and loans and they have done nothing except to keep ruining my credit reputation which needs to stop.
|
| 12/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and successful in creating some accounts. All is being investigated by the FTC.
|
| 05/03/2022 |
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
|
|
Web |
|
|
The chargeoff date of this XXXXXXXX XXXX debt was XX/XX/2018. I complained to XXXX XXXX XXXX XXXX was supposed to buy out contract when i switched carriers and XXXX claims they never got the funds. I told governor XXXX XXXX, the XXXX, the cfpb, attorney generals in 2 states, both XXXX and XXXX XXXX XXXX corporate as well. The amounts they never explained properly and i dont think followed fair debt collections practices out. Farthermore I am impacted by covid19. Please remove this misreporting from my credit report and all systems. XXXX XXXX XXXX XXXX and jefferson Capital systems , llc are harassing me. Please tell them to cease mailings and send me a letter saying the debt is no longer old. Note i can not speak on phone due to my disability. The XXXX was also notified. Please answer in writing asap. Thank you.
|
| 11/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I sent Jefferson Capital a police report almost 2 years ago notifying them that a debt that they were trying to collect was from identity theft. Also with the information I sent my then address that was XXXX XXXX XXXX XXXX XXXX which is also noted on the police report. 2 years later Jefferson capital has tried to covertly sue me for this debt using the old address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, without even having someone to sign for the notice they know that this is no longer my residence and has not been my residence for many years. The tenant got in touch with me through the property management company to let me know about this. Jefferson capital is being deceptive because they were sent the information over two years ago. I am including the same police report that i sent to the company 2 years ago.
|
| 08/12/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Disputed information with XXXX in reference to XXXX XXXX XXXX. Account was sold to JCS.
JCS repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to XXXX JCS ( Jefferson Capital Services ) had my new address and repoed the truck, as well JCS intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX ( who has deleted the file ) as well to XXXX ( no response yet ). I sent XXXX screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.
|
| 02/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
i have dispute with XXXX more then one time over few year i cant get them to take off JEFFERSON CAPITAL SYST this all say The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.
but this thing i call the place that say i old more then 2 time told them I DIDN'T RECEIVED THEIR PHONE BUT TRY SAY I DID GET T HEM AND THAT I ACTIVATE THEM BUT U CAN SEE THAT I DIDN'T ON THEIR IN AND THAT IT SAY I ONLY ON THEM FOR ONE MONTH ON MY ACCOUNT THEY TRY GET ME PAY FOR ONLY FOR PHONE THAT I DID GET PLEASE I WANT THIS TAKE OFF MY REPORT NO ONE WELL HELP ME WITH IT I DON'T THING I SHOULD HAVE PAY FOR PHONE FROM XXXX XXXX WHEN THEY LIE SAY THAT I DID GET PHONE AND THAT I ACTIVATE THEM WHEN I DIDN'T THANK YOU HOPE U HELP
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Jefferson Capital Systems LLC is reporting a delinquent collection account to the major credit bureaus that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive any form of validation of this alleged debt. XXXX Mailed XX/XX/21 ) According to the FCRA, Jefferson Capital Systems LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I have attached the multiple notices that they've sent me as well as the validation letters that I've sent them. This is hurting my credit and I need it removed immediately as it is not my account or debt. Thank you for your assistance.
|
| 05/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
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To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof.
|
| 10/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On or around XXXX I opened a XXXX Phone account on or around in XXXX I closed the account the contracts are only 2 yrs long then month to month after Jefferson Capital is reporting on my credit report that I opened an account in XXXX and that the account is open This negative remark is negativity impacting my credit I have communicated multiple times throughout several years with Jefferson Capital that this is not true by phone XXXX They also report an amount of {$670.00} on my credit Then in a letter report the amount {$330.00} would satisfy my debt This company does not have the ability to show any of the information they are reporting This company has created irreparable harm to my credit impacting my ability to obtain employment and housing.
By intentionally reporting new open accounts with high balances.
|
| 12/02/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Within the past 6 weeks, approximately, I have been receiving collection calls from a company called Jefferson Capital. They first told me I had a XXXX student loan in collections, there was a judgement against me, and that my wages would be garnished. I explained to him that 1. I am currently in school and as far as I know, all of my loans are in good standing. 2. I have paid Jefferson Capital a charge off in the past so I think they are targeting me because of that. 3. The first time I actually spoke with a person on the phone, around the XXXX of XXXX, I asked them to please put sometihing in wiritng for me. They claimed that they had. They have not. I was told that they had a judgement and that my wages would be garnished. As I said i am in school and according to XXXX all of my loans are in good standing.
|
| 03/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 11/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC.
It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}.
It offered " convenient '' ways to pay various amounts via credit card or check.
I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number.
I refused and suggested to the young man that he seek honorable employment.
What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?.
I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
|
| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
On or about XXXX XX/XX/XXXX I called jefferson capital at XXXX XXXX XXXX. I was asked for the reference # XXXX. I asked why they had sent me a collection letter plus increased the number of years owed to 14 years. The original debt owed allegedly ended in XXXX but I was told I was sent a reduced amount settlement. There employee stated that I agreed to pay the lesser amount and that I paid {$20.00} towards The debt. They said because of that they increased my payment end date to XXXX. I told them that I never agreed to anything with them and they have committed what I suspect is criminal fraud. I asked there employee that I'm was protesting there claim and I would like all documentation to include the court order. By the way i have never seen a court order saying I owed these people anything.
Please advise.
|
| 10/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEMS ( as per my consumer report ) has contacted me via email, and via phone. I have no business with this company. I have no contract with this company, they have furnished false, and misleading information, on my Consumer report. I did have the emails saved, in which I never consented for them to contact me at all. My emails where erased due to storage on my phone. I spoke with a XXXX, her id number is XXXX. She informed me that her company purchased the alleged debt, and I now owe them. I asked her to supply me with the verifiable evidence of a contact between JEFFERSON CAPITAL SYSTEMS and I. This company has stole my identity, and reported inaccurate information to the three credit agencies. This inaccurate information is keeping me from extending my credit to other businesses ....
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
In XX/XX/XXXX I had a negative XXXX account balance of {$2700.00} due to someone hackung my account. Since then they have been calling me to pay the debt about eight times a year. I'm unaware of when XXXX sold the debt, but on XX/XX/XXXX I was sent a letter by Jefferson Capital Systems stating that I owed a debt {$2700.00} to them when I was never in a contract with them. Also within the letter there was use of obscene and profane langauge in the letter that they did not have the power to " sue '' me. The use of this language left me emotioonally distraught and I know that underneath Fair Debt Collecton Practices Act 15 USC 1692d ( 2 ) protects me from this. On XX/XX/XXXX I sent a debt dispute letter with request for a proof of claim, a counter claim with self executing contract, and an affidavit of truth.
|
| 05/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The account is for, XX/XX/XXXX XXXX company is with XXXX XXXX XXXX XXXX XXXX. The original account is with XXXX XXXX for the total charge of {$1100.00}. However, this account was opened under an individual by the name of XXXX. I believe this individual has victimized myself with a type of identity fraud. The account was opened with four lines with the contract under this individual as prime ownership. However, when the bill was not paid, I managed to have all negative charges pinned to my personal credit. The actions I have taken were mailing a dispute letter to the provider, as well as to the credit bureau itself. My attempts have not been successful and I am still stuck with the debt collection on my credit report. I currently use XXXX as my phone provider, and the debt seems incomprehensible. Thank you.
|
| 06/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Jefferson capital is alleging I owe on a closed fully paid for cell phone account from XXXX.
It was closed Several years ago due to repeated roaming charges from XXXX on my credit they report an open account 10mos ago owe {$320.00} then will call and send letters for {$160.00} to pay off the phantom bill I have repeatedly told them to not contact me below is a complaint I wrote Consumer complaints about J.C. conduct This company is known for having ethical issues why are they allowed to continue to operate?
Fwd : XXXX pay XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX to consumercomplaints XXXX can not originate this debt insisting I was under contract here is one of the earliest payments I can find going back to XXXX contracts are only 24 mos. Long.
-- -- -- -- -- Forwarded message -- -- -- -- --
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice in the mail a few days ago, from a company ( Collection Agency name Jefferson Capital Systems LLC. Located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. ) ( XXXX or XXXX ).
They claim I owe XXXX an amount of ( {$27.00} ). They wanted me to confirm my personal information, ( ie name, addresses, and the last 4 of my # SS ) which I did. The young man I spoke with his name is ( XXXX direct number XXXX ). I disputed their claim, and advise that I will contact XXXX directly to inquire. Upon contacting XXXX, ( XXXX XXXX ) they confirm that I owe them nothing and that this company or person is fishing to gather personal information. They advise to discontinue and disregard any and all communication with this ( Agency ). They recommend reaching out to you.
Thanks, XXXX XXXX XXXX email : XXXX XXXX
|
| 07/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 Jefferson Capital Systems address XXXX XXXX XXXX. XXXX XXXX MN XXXX phone number XXXX. I was transferred four times! I was talking with a XXXX, XXXX, XXXX and the first lady I couldn't hear her very quick speech. No one could give me a fax number everyone had the same speech " that they used to have one ''. Im unsure about company 's they're working in an office no email no fax number. How do they stay in business. People cant get documents or anything more from clueless employees. We have the rights to send them this. I hate that I have to get on here for someone to get this out to this sad company that can't give out information that should be posted on paperwork on a website something. I have never received anything from these people. Never heard of them until I look at my credit report.
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received attorney advertisements regarding a lawsuit filed against me on X/XX/2017 by Jefferson Capital Systems , LLC for {$250.00}. This is the first notification I received regarding the debt. I contacted Jefferson Capital t o find out who they obtained the debt from and found out that this debt is from a closed bank account from XXXX with XXXX XXXX XXXX . I have n't had any contact or made any payments to XXXX XXXX since closing the account. The statue of limitations to collect a debt in the state of Texas is 4 years after the last payment was received. I 've contacted an attorney that will charge me {$350.00} an hour to fight this frivolous lawsuit. If I lose, I will have to pay Jefferson Capital 's a ttorney 's fees as well. I plan on fighting this in every way I possibly can.
|
| 10/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
XXXX sold Jefferson my information and Jefferson reported this every month like a new account. They are aggressively demolishing my credit that XXXX bill was old by my ex-wife cause I had no clue a XXXX bill ever existed. When I did call Jefferson to dispute this I was giving another number to another company they are selling my information without my consent. I do have rights against that selling my information like social security number put me at great risk for fraud I don't owe this debt and I'm not responsible for this debt and I don't have a contract or signed any paperwork for this debt with Jefferson or the people they sold it my information too. Legal action will be taken if this debt that don't belong to me not taken off my credit report selling my information without my consent is fraudulent.
|
| 04/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received an email from XXXX XXXX from XXXX XXXX and XXXX that my credit report changed because I closely monitor it. A collection account was added to my account and I do not know what it is. I never received anything about the collection in the mail, nor did I receive a right to dispute or anything about the collection. When I logged into my XXXX account my Social Security number was showing incorrect. I have filed a dispute on that and the collection that is not mine and was never informed in any way about this being added to my credit report or the right to dispute it. I have NO CONTRACT with Jefferson Capital Syst. I did not open any accounts in XXXX 2021 in my name. Verification was never sent to me regarding this collection added to my credit report. I have no idea who Jefferson Capital SYST is.
|
| 11/29/2021 |
No |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Hello, I'm writing you in regards of a closed auto loan on my credit report. The company is XXXX XXXX XXXX. The company sold the debt to Jefferson Capital LLC. I received a letter from a process server that they are threating to sue me if I don't pay this debit. The account is closed on my credit report and Jefferson Capital isn't even on my credit report! Jefferson Capital reaged the debit several months ago. I need your help getting XXXX XXXX XXXX OFF all 3 of my credit reports. The company has threatened me during a pandemic and I just started a new job! I was unemployed for several years. What they are doing is against the law. XXXX, XXXX, and XXXX wont even let me dispute it anymore! That's against the law! Please help me ; XXXX XXXX XXXX or Jefferson Capital Systems LLC they are breaking the law!
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
In XX/XX/2018, we were contacted by XXXX XXXX XXXX XXXX XXXX about a debt of {$150.00} to XXXX XXXX. We explained to them that it was not our debt. After a discussion with an extremely unpleasant gentleman, it was made evident that my son ( with the same name as mine ) was responsible for the debt. The gentleman demanded that I give him all my son 's personal information. I could not, for two reasons : 1 ) My son and I have been estranged for several years ; I did not have the information. 2 ) This company fosters and nurtures all that is evil and disrespectful. I have never witnessed such contempt, harassment and threats against me and my credit as I did from this company. Because I couldn't give him the information, he put it on my credit report as my debt, with the full understanding that it wasn't.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a notification by XXXX that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from XXXX. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them.
1 ) XXXX {$340.00} 2 ) XXXX {$260.00} 3 ) XXXX {$100.00} 4 ) XXXX {$220.00} THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT BACK IN XXXX AND IDENTITY REPORT WAS SUBMITTED. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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|
Jefferson Capital Systems placed a collections record on my credit with all three bureaus. This collections was a purchased collection that was out of statute of limitations and is a debt too old to be reopened on my credit. This collections started as an account that was opened with them in XXXX of XXXX. No account was opened or agreed to with this company at that time or anytime in the past. I am no longer legally responsible for this debt and their attempt to park debt on my credit report after the statute of limitations is against the Fair Credit Reporting Act. I contacted Jefferson and spoke with a representative that assured me that the dispute would be complete and that the account would be deleted off my credit. The account was not deleted off of my credit and remains open until XXXX of XXXX.
|
| 09/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
|
| 08/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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|
The debt was sold from XXXX XXXX which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was Jefferson Capital system. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.
|
| 12/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
the company is a debt buyer.XXXX XXXX in 2015 they purchased an account from XXXX XXXX. the account XXXX XXXX was fraudulently obtained by identity theft and the XXXX account has subsequently been removes from my credit report However XXXX XXXX Remains. I explained to XXXX XXXX i reported this to the ftc, multiple disputes with XXXX and XXXX only one dispute with XXXX and it was removed with XXXX it still remains with XXXX and XXXX who agree the dispute is valid yet it still remains. If the originating account has been proved fraud and removed how is not the debt buyer of the fraudulent account. This is affecting every aspect of my life in a very bad way. It is unfair i feel as though they are strong-arming me. Again when the originating debt is proved fraudulent how is not this fraudulent as well.
|
| 09/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am an XXXX XXXX XXXX member. I left the state of New Mexico in XXXX of XXXX. Prior to leaving I went to XXXX XXXX with a copy of my orders to an XXXX XXXX XXXX in order to cancel my plan. I was informed that due to being on orders that I would not be responsible for paying the early termination fee on the account. A couple months in to my XXXX XXXX, I noticed that I was still being charged monthly for service. I called XXXX, they zeroed the account so that I did not owe them and told me they were closing the account. From XXXX I XXXX in XXXX of XXXX and began receiving collections notices. I tried contacting the initial collection agency with no luck, since then it has changed to several different agencies, one seeking more saying it was interest, the most recent saying I owed I believe {$340.00}.
|
| 08/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Jefferson capital collections try to illegally contact me at my moms property and officer was told on camera when Im being represented with an private attorney that i was already in an ongoing law suit with this creditor for my credit report actions and hardships i had to endure, i was then hit with a law suit to she summons in person when i told the officer i was already being represented by an attorney These people violated the state Arizona law for fdcpa regulations on approaching a debt collection thats been sold to a third party they also threatened to garnish private wages and thats also highly illegal for third party collection agency in Arizona i need this legally dissolved or they need to settle with me any way i can pay a settlement but no more then a couple hundred due to health expenses
|
| 12/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had an account with XXXX XXXX over 6 years ago. One day I received an alert that my account information had been changed. I immediately called XXXX and was told that someone apparently had got into my account and ordered several XXXX and XXXX to be delivered to an address in New Jersey. I am in California. I was assured that I would not be charged for this identity theft. I continued to battle this with XXXX for the next year. I finally dropped XXXX and signed up with a new provider. This fraudulent debt has remained on my credit report all of these years and has never been corrected after many, many attempts to resolve.
How can I be punished for someone else 's criminal act? Unbelievable.
They are also showing this account as " open ''!?? and that it was opened one year and eight months ago.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Debt was charged off by the company XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Jefferson Capital SYST in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, Jefferson reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Jefferson Capital SYST that I opened. This action has caused my credit score to drop XXXX points in one week! This action is not legal! I demand it be removed immediately!
|
| 05/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022 Jefferson Capital Systems , LLC I want monetary relief. Jefferson Capital Systems has violated the Fair Debt Collection Practices Act. A mailed document from Jefferson Capital Systems , LLC, a affidavit from me and a invoice for payment of the violations committed are attached to this compliant. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; ( PER VIOLATION )
|
| 11/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
This debt was placed for collection, repackaged and sold to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX The original debt is over 9 years old, and the new Debt collection company submitted in error that it was placed for collection on XXXX. They sold it to another debt collection company and I have a current XXXX account in good standing, but the new collection agency reported the date wrong so they can attempt to collect this old debt longer. I would like this removed from my credit report as they continue to harass me daily. Thank you Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$760.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$760.00} Original Creditor : XXXX XXXX
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A debt buyer called Jefferson Capital attempted to collect an old debt barred by the statute of limitations. A few months ago, they listed the debt on my credit reports as a new debt. This practice of re-aging an old debt is specifically prohibted by Federal and State law. The alleged bad debt from the original creditor started in XXXX. Jefferson Capital reported that old debt as a new collection account in XXXX of XXXX. I disputed it over 4 times with all XXXX bureaus and Jefferson Capital keeps reporting the information they know to be false. I will upload a letter of admission by Jefferson Capital that the debt is so old that it's barred by the statue of limitations ( 4 years in California ). Then, I will upload a current copy of my XXXX credit report that shows the debt as new, XXXX of XXXX.
|
| 02/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My father XXXX XXXX XXXX, XXXX passed away on XX/XX/2018. He had opened an account with XXXX XXXX a year or so prior to his death, and bought a table and two stools. The account went unpaid. After his death I saw that it was on my credit report ( I am XXXX XXXX XXXX, XXXX. ). Jefferson Capital continues to send me bills and collection attempts for {$580.00} for JCS reference # XXXX despite being informed of this wrong attribution, as well as also informing XXXX and the three credit reporting agencies via disputes. I do not know what else to do to stop the collection attempts and also fix my credit rating.
JEFFERSON CAPITAL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 09/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ).
On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal.
Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus.
Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports.
|
| 08/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed on my consumer report that Jefferson Capital was reporting on my account. I have never consented to contract with them, so they have breached my privacy by obtaining my private information.
I sent a letter to Jefferson Capital on XX/XX/2021 asking them to produce a valid contract that I have with them. I also sent along a document for them so fill out and sign back under the penalty of perjury, which they completely ignored.
They have since sent me a letter on XX/XX/2021 with none of the information I requested. In their correspondence, they violated several of my Federally protected consumer rights pursuant to 15 USC. This is causing me great stress and harm and also a breach of my privacy as I never consented to contract with Jefferson Capital, or any third party debt collector.
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only XXXX deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX , XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is XXXX XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.
|
| 08/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
From my limited understanding, someone opened a XXXX account under my name on XX/XX/2020 and spent {$3400.00}.
The original creditor is XXXX. Currently the creditor is Jefferson Capital System. One of their debt collector agencies contacted me a few months ago. I informed them the account was not mine. The account was opened under an email, physical address, and phone number that did not belong to me.
XXXX has already blocked the account from my credit score report. XXXX denied my request to block the account from my credit report. I filed my dispute with XXXX today.
XXXX requested further information from me in order to block the account. They were not specific as to what information they required. I hope that this complaint will help me continue to contest this fraudulent account.
|
| 03/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I disputed a collection on XXXX in letter below which was notarized and sent certified mail, about an unverifiable loan Jefferson Capital. keeps putting on my credit report. I requested they verifiable documentation from this company that I have an account with them i.e signed contract with my signature.And if this info cant be verified be removed from my credit report. According to the Fair Credit Reporting Act, SECTION 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verify through the physical verification of the original signed consumer Contract any and all accounts you post on a credit report. Otherwise, anyone paying for Your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( an original Consumer Contract with my Signature.
|
| 02/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Collection company XXXX called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
|
| 07/10/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I can not give you any information about this company because this company never sent me a bill statement, documents, any Letterhead company letters, in any fashion unto me ever since the debt from XXXX XXXX, that was sold to Jefferson Capital Systems LLC posted this debt on my Credit file. The amount of the debt was {$5600.00} and the balance {$5000.00}, I never paid any difference to this debt that leaves this balance on me to pay. This debt is from a school that I did attend from XX/XX/XXXX and graduate XXXX and then try to go back after graduation to get my bachelor 's degree, but my disability caused me to not be able to continue study and I stopped online school in XXXX. I did try to dispute this debt online with XXXX and XXXX, but I did not get the dispute that I needed. Please help.
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX a Request to Validate an Alleged Debt by invoking Title 15 U.S.C 1692g Section 809 ( b ) to an entity that goes by the name JEFFERSON CAPITAL SYSTEMS , LLC was sent and mailed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached herein this notice and complaint is the proof that JEFFERSON CAPITAL SYSTEMS , LLC has accepted and received the Request to Validate an Alleged Debt ( the request is NOT a request for verification of debt ) on XX/XX/XXXX at XXXX as evidenced with the XXXX XXXX XXXX XXXX
The consumer who provides this Notice and Request to Validate Alleged Debt ( NOT a request to verify debt ) reserves all their rights without waiver in accord to Uniform Commercial Code Section 1-308 and Title 13 Pa.C.S. 1308
|
| 04/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I have sent multiple validation requests including statements stating that the only accepted correspondence is email or via Mail to Jefferson Capital. Instead they have refused to validate the debt and they have begun to call a number from over 13 years ago that belongs to my XXXX XXXX XXXX grandma. They are calling her multiple times a day and leaving messages. They are not identifying themselves and I have not lived there in over 13 years. The fact that they are ignoring my requests and are now harassing a XXXX XXXX XXXX woman is disgusting. In addition, due to not being able to validate the debt and reporting incorrect information across all three bureaus is grounds from removal from my credit report. I collect protected veteran XXXX benefits and this company is infringing on my rights.
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
An account with XXXX XXXX that was opened up in XX/XX/XXXX in the amount of {$1900.00} was deleted from my credit report in XX/XX/XXXX due to fraud. Now XX/XX/XXXX this same account from XXXX was put back on my credit report as a collection with a collection agency Jefferson Capital Systems with all three bureaus stating this account was opened XX/XX/XXXX which is definitely inaccurate information reporting and the account should have never been put back on my credit file in the first place. I have disputed with all three bureaus and the only one that have removed this collection from my report is XXXX, XXXX and XXXX is still reporting. This is damagaing my credit and I am in the process of purchasing a house but with this collection on my credit I am unable to obtain financing for a home.
|
| 02/29/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Around XXXX of XXXX I had a XXXX XXXX account that I was unable to pay and it went to collections. In XXXX of XXXX Jefferson Capital Systems listed the debt as new and my credit score went down drastically. I have disputed it twice with XXXX and it has not been corrected. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold.Please adjust this on my credit report. Also, I paid off a loan with XXXX XXXX XXXX XXXX in XXXX of XXXX and they reported the payment 30 days late. I made a satisfactory payment in XXXX of XXXX and paid the remainder of the loan in XX/XX/XXXX. I was not late in my payment. Please also have that removed. I have tried calling XXXX XXXX XXXX and they refuse to change the reporting information.
|
| 12/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently review my credit report and notice there were inaccurarcies. A JEFFERSON CAPITAL SYST amount of XXXX is not my debt. I was a victim of id theft and im not responsible for collection. Below is a copy for information related to the debt. This collection is compromsing my chances of acquring a place to live.
JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX : 0 % Balance on XX/XX/XXXX Original balance {$850.00} {$850.00} Payment Info Original balance {$850.00} Balance {$850.00} Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Status date XX/XX/XXXX Additional info Comments-
|
| 06/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A XXXX account is listed in my XXXX credit report, and is with a collection agency, Jefferson Capital XXXX XXXX file number XXXX.
I've disputed and XXXX kept the information on my report.
The dates of the XXXX phone service show as opened in XX/XX/XXXX. I have had mobile phone service with XXXX XXXX since XX/XX/XXXX, this is my customer number XXXX.
I've asked both XXXX and Jefferson Capital to share specific information about the account including open and close date and specific records and billing so I could have specifics to dispute and I've never been given the details of the account to detail the {$1700.00} they claim I owe.
If you can help me get the account details I can have specifics to dispute the claim. Thank you in advance for your help and consideration. Best, XXXX
|
| 03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail.
It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights.
Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for XXXX. XXXX is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra
|
| 09/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is from a phone company of XXXX, they sold a phone that was outdated to began with ( without 5G ), I paid this company for the monthly bill of over {$70.00} a month ( take a look at my credit cards for those charges ) for 11 months, but was never able to even connect to the internet ( photos have been sent to the company, XXXX of phone saying " NO INTERNET CONNECTION '' ; as well as the Missouri Attorney General ). They claim I was under a contract and liable to pay, but the phone sold was out of date ( NOT A 5 G ), and would NOT connect to the internet. They claim I owe them {$170.00} in which I will NOT pay for a service NOT rendered. This phone company left me in below zero temps without phone service and NO heater in my auto. I owe them nothing ; they owe $ $ $ $ $ thousands.
|
| 10/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am making a dispute against XXXX XXXX in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
|
| 02/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi, thank you for accepting my complaint and for what you do. XXXX kept sending me billing notices for a mysterious order/item ( s ) and they refused to give me statements or the bill for them. I made requests in email and I have their emailed responses. They even told me that they can't find an account for me ( see their email ). They eventually put it on my credit report for {$110.00} and I disputed it and showed the evidence that it wasn't my bill and the entry was removed. Years later, they gave the debt to JEFFERSON CAPITAL SY who refuses to remove it from my credit report. I hadn't ordered anything from XXXX and they never showed me a bill or receipts. It isn't my debt. Please investigate and correct this.
Please tell me how to submit the emails between me and XXXX thank you
|
| 07/12/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XXXX XXXX Offices says I owe {$670.00} to Jefferson Capital System XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from XXXX XXXX XXXX. I think this is a scam and Im a victim of their false credit reporting.
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Got notification from Jefferson Capital that they have taken over a charge off loan from XXXX of XXXX ( loan ID # XXXX ). supposedly taken in XXXX either Jefferson Capitol is fraudulent and/or this debt was charged fraudulently.
1 ) I have NEVER opened an XXXX XXXX XXXX ) I have NEVER CHARGED anything through XXXX 3 ) This was charged back in XXXX and I have NEVER received ANY NOTIFICATIONS from XXXX until now in XXXX which came with the documents sent by Jefferson Capital. The purported documents sent by XXXX through Jefferson Capital have no dates, address or any other identifying information to verify that this is indeed from XXXX.
4 ) These billing documents supposedly sent to me I NEVER received. This is the first I am seeing them, again 2 years later, from Jefferson Capitol.
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| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I paid off my Debt to XXXX XXXX XXXX ( Verizon ) on XX/XX/2020 It was a ''Pay For Deletion '' meaning I pay the balance and the collection/chargeoff would be removed from my Credit report ( XXXX , XXXX , XXXX ) but It never was Its still showing up as a negative mark on my credit report I have the letter from jefferson capital attached showing i settled my debt and the collection/chargeoff would be removed from my credit report Im in the process of rebuilding credit and this negative mark on my credit report has dropped my score by 50 points i need Jefferson Capital to notify the 3 credit bureaus which are experian, transunion , and equifax to let them know the account is paid off and to remove from my credit report ASAP I will not stop until The items are removed Thanks in advance
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| 03/14/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, I cancelled all services with XXXX XXXX due to divorce filings in XX/XX/XXXX. Since that time, multiple collection agencies have bought the debt and continued to try to collect regardless of me contacting XXXX advising them of the divorce and that I was not in possession of the equipment as they were given to my soon to be ex-husband. Furthermore, it has been 7 years and should be removed. I have contacted XXXX over 10 times and to no end, they keep having debt collection companies buy it out and send requests for payment. In addition, I contracted XXXX in XX/XX/XXXX and XX/XX/XXXX for which I have become permanent XXXX following a 2 week XXXX XXXX. I would like to request that this account be permanently closed given the length as well as ongoing health conditions.
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| 05/08/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Collection agency, Jefferson Capital Systems LLC, reports debt in the amount of {$5800.00}, with original creditor as XXXX XXXX on credit report. I have disputed the account through XXXX and XXXX, still no verification supplied. Original creditor has dissolved the company and I was unable to locate a past due amount with the company that took the open loans. I called collection agency on XX/XX/21 and requested details of the debit by mail but was unable to secure an expected time frame for the information. Collection agency stated they did not know when they could provide. To date I have been unable to receive any verification of this debt and my records and credit report show all loans were paid in full with XXXX XXXX, Jefferson Capital Systems continues to report the collection.
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| 02/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
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| 02/28/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Jefferson Capital LLC. Contacted me months ago about a dept was from 14 years ago and they are with drawing it out of my checking account.. and they said it had to be paid.. I took care of this matter years years ago ... how can they do this... I had solved this problem ... my husband passed.. I now try to get back up... looking for houses and now. They messed it up... this was taking care of .... and also my credit score is down.. can even open my credit score cause.. to see what I have on it. That will mess my credit score up too.. I really need to look at my credit score to get a home... I had a credit check from a agent and it was NOT all that good... I don't even know what is listed on my score... how can I talk to a credit bureau to check it with out hurting it.. XXXX XXXX
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| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Jefferson Capital continues to report an account on my credit report that doesn't belong to me. I have disputed this debt several times through the credit bureaus but the account info keeps coming back and reported as accurate. In addition I have been harassed bullied and sued by Jefferson Capital about this debt. I was sued 2 times and won the case each time. It was proven in court on XX/XX/XXXX and again on XX/XX/XXXX that I do not owe this debt and the case was dismissed with prejudice by the court. As of XXXX XX/XX/XXXX this account is continuing to be reported on my credit report. This account needs to be removed from all 3 credit reports because it has been proven in the court of law that the debt doesn't belong to me. I will like this debt removed from my credit report.
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| 06/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am a victim of identity fraud since 2011.
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
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| 08/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In accordance with the Fair Credit Reporting act Jefferson capital systems LLC has violated my rights. 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 an account without my written instructions. I am a victim of identity theft. I am disputing this debt because this is not my debt as I am a victim of identity theft. I I request Jefferson capital system send me records stating the collection of this debt is mine, the balance, the complete payment history the charge off of the original creditor a copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.I have filed a police report. I also have filed a identity theft report.
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| 05/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Jefferson Capital Systems severally tried to coarse and induce me to pay a debt that I do not owe and have subsequently reported it on my Credit Profile which is currently impeding on my ability to gain any measurable job and credit. They have deliberately ignored my letter to them, demanding validation of the debt and any contractual agreement with them bearing my name, signature, date of birth. Furthermore, they have proceeded to sue me in the XXXX XXXX Civil Court, GA in order to place a public record on my credit profile for a debt that I do not owe to them, thereby, further halting my abilities to move forward to provide for myself and my family.
Jefferson Capital Systems must remove the negative report from my credit and rescind the court filing with deliberate speed.
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| 05/29/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1.Account Name : JEFFCAPSYS Account Number : XXXX 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 2. Account Name : JEFFERSON CAPITAL SYST, ACCOUNT NUMBER : XXXX Why is there two accounts reporting with abbreviation of name and XXXX not with the whole account number? Is this done intentionally to damage my credit report even more?
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| 04/12/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Hello XXXX capital sent me a notice of garnishment of my paycheck. That's the only notice I received for an old account with XXXX XXXX. I did reply to them I left messages as well mailed and faxed over to response 2 days later. I also called back and asked of they received my fax. They said yes someone will contact you. Months went my no reply. Them in XX/XX/2023 I get another letter stating garnishment will start. I called the them on Monday XX/XX/XXXX I believe amd they told me I have to pay this I have no choice but to pay this or the garnishment will move forward. the rep was demanding that I have to pay unless I want my pay garnish I have no choice buy to pay this. So I paid it because I didn't want my job knowing my business nor monies deducted. So my hands were tied.
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| 08/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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.Jefferson Capital systems is actively trying to collect a debt {$470.00} for XXXX that is from XXXX and was a charge off in XXXX. Jefferson 2 years later XXXX starts collection process reports collection debt on my credit report. Montana state law states debt collection must stop and cease 5 years after debt was aquired! It's been 9 years when debt originated XXXX! Need this off credit report ASAP and that my credit report be updated accurately and report reflects score that should have been positive score since XXXX before putting this on credit report in first place! This has effected my ability to get loans at lower interest rates or refinance current loans!! Jefferson Capital Systems is breaking the law by actively trying to collect a debt that is almost 10 years old!!
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| 11/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received my order and someone else had bought the same item as a gift, so right away returned that item from my order, they would n't exchange or credit it and it was in perfect new condition, they said it was opened but it was NOT opened. I tried repeatedly to work with them but they kept the merchandise I returned ; and still would n't credit the account. I told them I would pay for only what I owe and they sent a bill that was n't up to date so I called them again after several prior attempts but they refused to work with me. Now after they ruined my credit I told them if they agree to take it off I will pay the amount that I owe but they still refused ... .not sure what else I am supposed to do. Its not right to expect me to pay for an item I do n't want and returned.
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| 10/05/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This consumer committed mail fraud breach of trust, copyright infringement, grand larceny aggravated identity theft. Breaking several violations of domestic and rights the ucc and common law. By breaching the Trust and stealing trust property. By assuming the role of the Trust Protector. Violations will be attached with an invoice for these violations. If the invoice is not paid I will enforce in an admiralty venue a maritime lien subject to levy, distraint, distress, a certificate of exigency.Failure to respond within 10 days of receipt of notice. I will execute through Litigation complaints have or will also be filed with federal courts. UCC actions will be taken as well. I have never heard of this company nor have I ever authorized them to use any of the trust property.
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| 03/14/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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The Debt was resolved by XXXX XXXX on XX/XX/2022 file # XXXX with XXXX XXXX XXXX XXXX Acct # XXXX, the creditor was deleted on that day. Under the guidelines it was inaccurate or wrong or fraudulent information. Presumably, the regulations promulgated under the CPRA will contain a similar provision. The VCDPA does not specify how personal information is to be deleted. But also, not RE-INSERTED creditor under another company to damage credit once it has been deleted. XXXX XXXX was in violation after deleting the account and then reassigning the account to a collection agency Jefferson Capital Systems Acct # XXXX. After knowing the account was fraud. On XX/XX/2022 XXXX also deleted XXXX XXXX acct # XXXX from credit report which I have enclosed copies of deletion from credit.
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| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I co-signed for this car for an exboyfriend who made one payment and stole the car and disappeared since XX/XX/2019. I have literally no idea what happened to him or the car. I had heard from a mutual friend he said the car was repossessed. I was NEVER contacted about any debt collection or had opportunity to dispute and remove myself from liability from the car being stolen and repossessed. I have attempted to dispute and reach out telling them what happened and they did not correct the amount owed after the supposed repossession according to the credit reports. I wasnt given a fair chance to dispute and resolve this without being given any kind of notice of this debt. I do not believe this amount owed is correct either. Company did not validate anything after I disputed.
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| 01/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
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| 09/06/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I FOUND AN ACCOUNT ON MY CREDIT REPORT FOR {$2800.00} WITH XXXX XXXX XXXX. I CALLED THEM AND THEY DONT HAVE THE DEBT AT ALL BUT IS STILL REPORTING TO MY CBR. I TALKED TO A LADY NAMED XXXX WHO WORKS FOR XXXX XXXX WHO SUPPOSEDLY HAS THE DEBT. SHE GAVE ME THE NUMBER FOR XXXX XXXX WHO ACTUALLY NOW HAS THE DEBT. THE DEBT IS FROM XX/XX/2013 WITH 5 YRS INTEREST ON IT. THE REP I TALKED TO HAD NO IDEA WHAT THE PRINCIPLE BALANCE WAS ON THE ACCOUNT AND OFFERED ME A DISCOUNT OF 50 %. I REFUSED BECAUSE I KNOW THE ORIG BILL WAS NOWHERE NEAR THAT HIGH. SHE THEN SAID SHE COULD GET IT DOWN TO XXXX SPLIT IN 2 PAYMENTS. THIS IS DAMAGING TO MY CREDIT AND NEEDS TO BE REMOVED AS THE INFO IS INACCURATE AND THEY CANT EVEN VERIFY THE ORIGIONAL BALANCE AND ANOTHER COMPANY IS ACTUALLY REPORTING IT.
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| 04/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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My credit report has a collection on it that is false in every way. The claim is made by Jefferson Capital System XXXX XXXX XXXX XXXX. XXXX, MN. XXXX XXXX XXXX XXXX was opened by me on XX/XX/XXXX and charged off on XX/XX/XXXX, over three years ago. Jefferson has put on my credit report that I opened on XX/XX/XXXX and the account is still open, this is not true. They are stating I owe {$690.00}, also false, when in fact the original amount was {$300.00}. and charged off by original creditor. Further more I have seen no paperwork, statements, or any other correspondence from Jefferson Capital at all. I only noticed this as it was on my credit report as of XX/XX/XXXX. The info they have placed on my report as debt collection, open account is false, and I need this removed.
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| 04/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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My identity was stolen, it was reported and taken care of. I received a collections from Jefferson Capital Systems saying I owe XXXX money. I advised them I have never had a XXXX account. I asked for a debt verification and they denied to provide me that information. I have requested it twice, and they will not send me a verification that the debt is mine.
This was with another collections company and I disputed it with them as the debt not mine, it was removed. This debt appeared with a new company a year and a half after it was removed. I have called XXXX and they have advised me they don't have any account information for me. I have been on a battle to dispute this debt endlessly with XXXXefferson Capital and they are refusing to comply with a verification request.
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| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX, reporting as " XXXX XXXX XXXX '' is reporting old debt as new. Old debt of {$2900.00} is more than XXXX XXXX XXXX and should not be reported to credit. Said delinquent date is from XXXX. I then reopened a new line with XXXX in XXXX and have had the same line since. They are now reporting old debt is new and marking delinquent date of XXXX instead of XXXX. I have written them several times to dispute and instead send me negotiations. When I call them they give me a run around and representatives hang up on me. I have tried every way and no success.
I have uploaded a picture so it can be seen that I currently have a line open with XXXX and it is my current phone number. Also, please note account number. Old debt has different phone and account number. Please help.
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| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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I have been told my ex husband opened a XXXX phone account without my knowledge using my information after we were divorced. I said no knowledge of the account that he purchased online and used my information. have a {$3500.00} bill with a collection agency who I have told numerous times that that is him and not me. I was actually in the hospital most of XXXX so when charges were being made I was not even around. They have now put a derogatory open collection on my credit report and Im trying to get them to take it off they are extremely rude and mean and will not listen to the fact that I have told them my husband is a felon and ran hes wanted I have no idea where he is so I am unable to locate him. I need this off my report so I can get my new house through the USDA.
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| 12/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I had a XXXX account back in XXXX and I removed my account in XXXX when I got married. The was other people on the account and it closed early of XXXX. Money was owed but it wasnt me who owed it. Also a second account by XXXX was opened and tried to bill me but I told them it was my phone number or me who opedned the account and had to contact XXXX twice to close that account. It was brought up again in XXXX but disputed and closed. Now in XXXX it is brought up by Jefferson Capital Services who put a debt collection on my credit report. But it also doesnt show its from a XXXX account it shows it as a new account from XXXX, making my credit score lower. I never record a call or mail in the paper about the collection, I o my noticed when I had to check my credit report.
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| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have called to ask for a validation with the company Jefferson capital my signature license anything also have asked three of the major credit bureau to check for me. I was told it was validated when asked how I was told my name and social is enough to validate. I was told by the company the bill was sent somewhere when I asked where I was told a merged/ wrong address. The address I was given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have supplied my license as proof that That address does not exist still have not had a response I am up to multiple disputes.For clarification my address is XXXX XXXX XXXX XXXX XXXX ND XXXX. Also they keep changing the open date which is making my credit yoyo up and down this effecting me negatively I want this removed from my reports.
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| 11/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Around XX/XX/XXXX due to a credit monitoring service I noticed a fraudulent XXXX XXXX account was opened in my name. I disputed the account with XXXX and the account was removed completely from my credit files.
Now a company called XXXX XXXX XXXX has placed a collection on my reports claiming the account was assigned by XXXX XXXX. I called XXXX who reported to me that they removed their tradeline due to fraud. I was advised to file a complaint and submit a dispute.
I have yet to receive proper validation required by the FDCRA or received any correspondence regarding they own the debt and proof that the debt belongs to me. The account was just placed on my reports without any notice. I am 100 percent sure there are no such documents because the account is fraudulent.
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| 12/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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On XX/XX/2018 I was alerted by the 3 credit bureaus that Jefferson Capital Systems and XXXX XXXX are illegally reporting a negative collection account on behalf of XXXX. I have not had any business dealings with any of these companies and have been disputing these fraudulently acquired collections as identity fraud for months. I am filing this complaint requesting assistance in having the collection of these accounts stopped and deleted from the bureaus permanently, as they have negatively impacted my ability to get home financing. The reporting is inconsistent and stating the debt is {$890.00} with one bureau and {$270.00} with the other two. If this can not be rectified soon, I will be forced to pursue civil action as this violates my Fair Credit Reporting rights.
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| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character
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| 09/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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XXXX has reported on my credit, that I have a collection account. Jefferson Capital systems. I have disputed this many times. Still it remains on my credit report.Im not aware of this account nor did I ever open this account. Im really frustrated because it's affecting my credit score. It's really damaging my credit history. Ive called the Jefferson ca [ ital systems, they say they are just collecting on behalf of XXXX. Ive never owned a XXXX account or phone. This must be fraudulent. I have explained this to XXXX many times but they say the same thing to wait until results of dispute are available. Once they are they say dispute them. It's very stressful. Id appreciate if you can help me with this problem I'm having and is affecting my life in a very negative way.
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| 05/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Ive been disputing this debt for years without any resolution. XXXX, My former cellphone provider, reported that I owed them {$1000.00}. Which is a ridiculous sum of money to be owed to a cellphone provider. I dont owe that and never have. And have never been given proof stating what the charges are for. They sent my debt to an agency and put my account into collections where it been for years. I disputed the charges through XXXX, XXXX, and even XXXX XXXX. Ive used a credit repair service to fix this as well. Yet its still on my credit and nothing provided to me justifying the amount. I do not owe {$1000.00} to XXXX. Ive tried calling the collection agency to negotiate a settlement for an amount similar to what I actually did owe XXXX and the employee hung up on me
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX regarding accounts Jefferson Capital System and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted XX/XX/XXXX on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX. XXXX XXXX XXXX,XX/XX/XXXX XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. XX/XX/XXXX is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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I received notifications on XX/XX/2020 of a negative change to my credit history by several credit monitoring services by a unfamiliar entity ( Jefferson Capital Systems LLC. ) placed a unpaid or overdue debt collection entry with XXXX, XXXX, and XXXX. It claims the date of the debt is XX/XX/2020 as listed on all three bureaus. I did not and have not engaged in any such contract or credit with Jefferson Capital and did not enter into and such collection status for any such account at the XX/XX/2020 Date. They have not sent any due diligence or correspondence regarding this alleged debt. The account date listed is erroneous and a violation of FDCPA. I believe this to be junk debt collector attempting to extort money with negative reporting for another party 's debt.
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| 03/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over
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| 06/27/2020 |
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
- Their investigation did not fix an error on your report
|
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Web |
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I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
|
| 05/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Jefferson Capital System is reporting a debt that was involved in identity theft and fraud under my name. Im not aware of any such debt. As I never received any correspondence by this debt collector. Instead they reported this debt to the credit report agencies. Im requesting under an original contract and an actual signature that shows 100 % verifiable proof under the FCRA with 100 % accuracy that they have the LEGAL right to report this debt. If they are not able to provide 100 % verifiable proof and accuracy with my actual signature and a contract agreement the reporting should effectively be removed immediately from all credit reporting agencies promptly. Further reporting will result in me seeking legal remedy for violating my rights in the statues governed.
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Date Account opened was allegedly : XX/XX/XXXX Amount of Debt : Status Collection account. {$970.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months This doesn't make any sense. It says here that the terms were for one month.. which seems really odd in any case.
I also have a phone bill already with XXXX and have for years under my moms account. We have been with them for XXXX.
I have attempted to dispute this as well in hopes that they will dismiss this from my account.
I was also made aware that I have been a victim of identity theft as someone claimed to have made XXXX in income in my name.
|
| 12/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
It started with XXXX XXXX. I wasn't aware that I owed a balance of {$120.00}. I relocated. When I first got a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX I paid it off with no complaints. Months later I received another collection letter from the same account but from XXXX XXXX for the same amount. I mailed them and faxed proof of my paid in full documents. This continued on from multiple collection agencies ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) Recently on XX/XX/2021 I got another letter from Jefferson Capital Systems LLC. I sent them also the proof of paid in full. Jefferson Capital Systems continues to send me another threatening collection bill on XXXX XXXX. I dont know what to do. Please help me put an end to this issue. Thank you for your time.
|
| 02/07/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
|
| 07/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Jefferson Capital Systems Llc/Jefferson Capital Llc tradeline appears on my credit file with a balance of {$1400.00}. The company reported a date opened XX/XX/XXXX and a reported delinquency date of XX/XX/XXXX & XX/XX/XXXX ; no closed date. This is a second party account with no adequate proof provided to me showing my obligations to pay the alleged debt. After repeated discussions with representatives the agency was made aware of my vehement disagreement with and the unwillingness to cooperate with a resolution. The account was disputed via the credit reporting agencies on XX/XX/XXXX & XX/XX/XXXX ( re-investigation ). I strongly believe this company violated sections 806 & 807 ( 10 ) of the Fair Debt Collection Practices Act, 15 U.S.C 1692D and 1692E ( 10 ).
|
| 03/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I haven't had XXXX XXXX since XX/XX/2019. I moved to a new service provider XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX paid off the balance due at XXXX as part of their promotion, so I am unaware of any unpaid bills. I haven't received any correspondence from XXXX XXXX regarding this. I am positive that this is not my account, as the telephone number I have was ported over from XXXX, and that can't happen if the bill is not paid. This is someone else 's account, which may be using my information, and for sure, I have NOT received any bills or mail from XXXX regarding this. Further, I haven't received any correspondence from Jefferson Capital Systems, who is acting as a debt collector after purchasing the debt from XXXX. I am surprised this is on my credit report.
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2021, a debt from XXXX XXXX was obtained by Jefferson Capital System for collection under my SSN. I did not have this account with XXXX and never did. The name on the account is not even mine but it is reported in my credit report. I have disputed the account multiple times but it still has not been deleted. My name is XXXX XXXX, and the name on the account is XXXX XXXX. I contacted Jefferson Capital System by phone to figure something out, as I need it removed so that i can get financial aid for school. When i contacted them they said that they could not speak to me about the account because my name isnt the name on the account. Well, that is obvious. The supervisor XXXX said he can not help me and he just hung up on me. This is illegal and just rude.
|
| 06/25/2019 |
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
|
|
Web |
|
|
Jefferson Capital bought XXXX XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. Jefferson claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.
|
| 09/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a Collection Letter Dated XX/XX/2022 from XXXX XXXX XXXX. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with Jefferson Capital Systems LLC. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by Jefferson Capitol about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from XXXX about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. There are so many things in this account that are wrong and I'm sick on having it on my credit. I called years ago and they told me it was for internet or something out in XXXX. I have no idea where XXXX is, I have never lived there. This account is surely not mine and I told them that in our conversation but they insist in putting fraudulent accounts on peoples account. Not only that, this account would be past the statute which is irrelevant because it is not mine. This needs to be removed immediatley. Remove false debts on credit can be considered fraud under both federal and state laws and I will not hesitate to bring legal action against Jefferson Capital Systems.
|
| 09/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had a auto loan with XXXX financial, XXXX without any knowledge to me sold the debt to Jeffeeson capital for {$9200.00}. I was never contacted by Jefferson capital by phone, mail or any other means. I called XXXX because i totaled the car. They advised me that i needed to contact jeffeeaon capital So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted XXXX against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what Jefferson capital is trying to collect from me without explanation!
|
| 07/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The account number XXXX has violated my rights.
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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 01/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification from XXXX dated XX/XX/2020. Then i received an notification from XXXX stating that a collection account has been added to my credit report and this dropped my score 13 points. I have no contract with XXXX or Jefferson Capital Systems LLC. I have never received any correspondence prior to this date allowing me to request validation of debt or giving me the ability to dispute this account. I want this account removed immediately and validation of debt from XXXX ( Jefferson Capital Systems ). I have never signed a contract with this company or have any knowledge of this debt from them. Please remove the account from all three credit reports within 30 days and send an updated copy of my credit reports showing this immediate change.
|
| 06/08/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The absolute tragedy of XXXX XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it.
Jefferson Capital / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult.
As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.
|
| 04/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years.
About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account.
It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX.
XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it.
I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal.
Thank you.
-XXXX
|
| 09/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was the victim of identity theft as a result of an XXXX data breach. I subsequently placed a fraud alert on my credit report and had several alerts from XXXX indicating they received an application for an account that could not be verified. Several months ago, I received a collection notice from XXXX regarding a fraudulent XXXX account. I contacted XXXX and was told no further action was required by me that the issue would be handled based on the information I provided. Today, I received a collection notice from XXXX, on behalf of Jefferson Capital Systems related to the same XXXX account. This is not my account, I am the victim of identity theft. I have provided documentation and a police report in addition to having this documented on my credit file.
|
| 04/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
i disputed this account over 2 years ago with XXXX ask them to validate this debt they where unable to and removed it from credit reports, Now a collection company name XXXX XXXX XXXX, just placed a collection account on my credit reports, have not received any notice from them and giving me the right to dispute this debt, i dont owe XXXX any money nor have an account with XXXX.
I AM now asking that XXXX XXXX to provide me a contract with my signature and the amount they have reported to the credit bureaus with out notice to me, an itemized statement from XXXX or XXXX does not represent verification under FTC Opinion letter : ive lived here over to years so my address is known.
upon the results will determine if i file civil suite against this company.
|
| 11/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have had numerous calls from a debt collector claiming their attempting to collect a debt. I ask them for proper documentation of this debt. They just say for XXXX XXXX. I never received any documents other than an email demanding I pay them. They gave me a reference number in that email but there was nothing explaining why they think I owe them.. I responded back asking them to again provide proof or any information that they might have. They have no solid proof or real reason as to why I owe them. Jefferson Capital did not provide validation of debt they claim I owe. I asked for debt verification and they simply provided an amount owed and payment plans. NO form of verification. They are simply hurting my credit score and harassing me at this point.
|
| 07/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am filing a complaint about Jefferson Capital System They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Jefferson Capital System is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Jefferson Capital Systems needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of contract to include XXXX XXXX. I am aware Jefferson Capital Systems is a Third Party collections firm. I do not wish to do business with them at all.
|
| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Jefferson capital garnished my wages and state income taxes, they received more than the garnishment was for, so the extra {$79.00} was applied to a zombie debt from 2013, now they are refusing to close the accounts I paid off via garnishment because they reopened that old account from 2013, this is wrong and it's past the statue of limitations on that debt. The garnishment was for the debt for {$470.00} and {$790.00}, those were paid, those are what I have disputed several times to have removed from my report, I have signed judgement paperwork stating I paid that in full, It wouldn't let me submit it with the dispute or I would have. Now Jefferson capital is sending me settlement letters for the 2013 debt since they reopened that account!! Ridiculous!
|
| 05/14/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
|
| 05/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This debt was purchased by Jefferson Capital XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to Jefferson Capital informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles.
As for my credit report, this account appears as it still belongs to Jefferson Capital.There are multiple inconsistencies across all reports.
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Today, XX/XX/XXXX, I got an alert from XXXX XXXX, that a New Collections Account from Jefferson Capital XXXX had been added to my XXXX XXXX file for an old XXXX XXXX bills, that I had previously disputed with CFPB back in XXXX. I have never received anything from Jefferson Capital and do not understand how they are able to add an item to my credit report without first contacting me so that I can dispute. I spoke with a Representative from Jefferson and advised that " I DO NOT OWE THIS DEBT TO XXXX OR TO JEFFERSON AND PLEASE VALIDATE THE DEBT ''. He advised that they are the owners and I now owe this factious debt, I still advised that " I do not owe this amount to you or XXXX '', please remove from my credit file for XXXX ASAP.
Thank you XXXX XXXX
|
| 02/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.
|
| 08/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
When I originally got a bill and saw the amount I disputed it with the company and the credit bureau I never charged a cell phone bill for over XXXX When I contacted the company XXXX directly they said they couldn't help and nothing they could do..maybe was too old not sure. I then disputed it with the credit bureau and gave as much info as I could ... No resolve and this is still under my credit profile for over XXXX and states will be till 2025... I feel upset because I have tried resolving the issue but no avail ... just occasionally receive the collection letters that I have no intention on paying cause I didn't incur them nor do I have the means. Obviously impacting my score negatively and Impeding me to mend the rest of my credit. Please assist
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX and I am writing regarding an invalid debt. I have asked for an itemize statement with what services and or items billed for this bill, when did these services began/end, I asked for copy of the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have asked for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt.
XX/XX/2016 {$2700.00}
|
| 10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received at my physical address some advertising mailers from some attorneys who represent consumers who have a lawsuit filed against them by a creditor. The case number was on the mailer and I contacted the XXXX XXXX Court and they told me all they had was the summons, complaint filed by the entities attorney, etc, but no documentation. I have no idea who this Jefferson Capital Systems , LLC is and when I looked them up online, I learned they are some kind of debt collector. I tried contacting the number on the website and all I get is an IVR prompting me to enter an account number. As I have no idea who these people are and can't seem to get into contact with them, I ask that the lawsuit would be dropped. I am not claiming a debt I don't know of.
|
| 07/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I received another letter from XXXX their ref # XXXX XXXX XXXX XXXX XXXX which CFPB responded to them immediately ( I can not locate my ref # ) The letter I got in the mail today is dated XX/XX/XXXX and low and behold, another letter head of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX MN XXXX ... XXXX ... with debt description as ! XXXX XXXX XXXX ; XXXX XXXX acct XXXX XXXX same amt of XXXX but the letter says they can not resolve dispute cause they need my SS #. OMG they do noy mention that the so called loan was supposedly made in XXXX ... ... ..I am not the borrower never have been did not make a loan for this and they try to scam me 16 yrs after this loan was supposedly taken ... .really?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
|
| 09/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Just received a text from a 3rd party stating they received a call from Jefferson Capital asking for me and that Jefferson capital provided the 3rd party my name and last 4 of my SSN.
I have not received any mail / communication from Jefferson Capital this is the first time I am hearing of this.
I called the number the 3rd party gave me and the gentleman stated they called that number looking for me and thought it was me and that they are sorry! Then started are you going to make a payment. I advised that I am filing a complaint because they have not notified me of the debt, they have not given me the opportunity to request verification and that they have violated my privacy by providing A 3rd party private and confidential information about me.
|
| 09/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you. I've called XXXX and your company to resolve this issue and I have proof from my current carrier as to when I started services and the previous phone number in question, which never left my XXXX until I changed my number in XXXX of 2021. Please remove this debt from my credit!!!
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have been trying to get some proof of this account that is being reported as a derogatory on my credit report by Jefferson Capital System, I have sent certified letters on XX/XX/2021 which I have included proof that they received on XX/XX/2021 but I still have not received a response from them, I reported this dispute to the credit bureaus and it was removed only to be put back on my credit report the following month without providing me any sort of proof that this debt belongs to me which I assure you does not belong to me, I have been with XXXX XXXX for over six years so I would not need the services of XXXX. I am requesting a copy of a drivers license, signature, copy of a contract, or anything that I could use to prove this is not my debt.
|
| 05/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have no knowledge of this debt. It reported on my credit without receiving a notice that this would report to my credit, along with other violations which includes a collection account with NO delinquency date connected to the original charge-off, I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies .Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel, will go through the process of medication, and I plan to seek {$1000.00} for damages and each violation.
|
| 04/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I recently attempted to dispute a debt from XXXX XXXX XXXX, via XXXX XXXX, XXXX, XXXX and via letter ( us mail ). This request has been submitted multiple times and the first time I did so, they failed to respond to me within 30 days ( the dispute was open for over 90 days ). I requested the orginal debt date to be provided ( not the date that the debt was turned over to the collection agency ) and they have failed to give me this date. They recently just updated the debt with the date that they attained it and accuse me of still being indebted. ( Actually reported that I am now late ). I have no idea what my next step is. I don't even know what account this is orginally from. I requested that all this info be mailed to me so I could review it.
|
| 03/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit report shows a collection account with a company that I have never done business with. A collections company has reported this debt which recently hit my credit report and has negatively affected my credit score. Apparently someone used my name and social security number to open a XXXX XXXX account with an address in a different state. The collections company only has my name and social security number but the incorrect address. I have never received any information from the collections company, only found out about the situation from monitoring my credit score and viewing my credit report where the collections information is available. I never opened a XXXX XXXX account nor lived in the state that was used fraudulently in this case.
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| 07/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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I am actually complaining about two agencies that I have no knowledge about.
JEFFERSON CAPITAL SYSTEMS claims that I opened an account for {$460.00}. If I opened an account for that amount, then why was the card never used and no payments made. It wasn't until the pandemic hit is when I saw this mysteriously appear on my credit report, and I disputed it saying that I never knew about this account and I never received a bill. Next thing you know, they started sending bills to my residence until I began to send it back to the sender. That's not how that works. Thereafter, I started receiving harrasing phone calls daily non-stop. JEFFERSON CAPITAL SYSTEMS should have a record of me spending. I oppose of this and continue to fight against a lie.
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| 05/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$320.00} on a XXXX XXXX XXXX account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
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| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Filed FTC complaint # XXXX regarding accounts that are not mine and do not reflect a valid ID. I sent a valid ID as well as a summary of my dispute as well as a copy of my social security card.
XXXX did not do a thorough or accurate investigation into my complaint. I tried to resubmit and re-file everything again with the same documents and the FTC report and they refuse to take it.
They are unable to validate or show how they verified any of this information as I know this information can not be verified accurately since it is not mine. I have called them several times and they will not tell me how these fraudulent accounts are verified.
They are in violation of FCRA Section 611 to my right for a complete and accurate credit report.
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| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received my credit report and noticed a collection. XXXX XXXX XXXX is reporting an unverified debt in the amount of {$9700.00} that I allegedly owe them. I mailed a certified letter dated for XX/XX/18 and requested validation of this debt. They are in violation of the Fair Debt Collection Act as they must validate, verify, and prove all debt with 100 % accuracy. If they do not, reporting should cease. XXXX also must provide proof of any debt that I allegedly owe with copies all items in asked in letter. I have attempted to dispute this matter through XXXX, XXXX, XXXX, and XXXX to no avail. XXXX has failed to validate and answer my questions as requested. As of XX/XX/18, this debt is still reporting on my credit report despite my request.
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| 07/23/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been contacted every day for months about this account. On several occasions I have asked for the original creditor XXXX XXXX and XXXX XXXX to provide proof showing why I owe this amount and neither have been able to provide me anything. I spoke with a representative in XXXX and asked for this information and was told " we do not have that on file for your debt '' I advised I was sure the amount was wrong and she asked me " how much do you think you owe or what do you think the correct balance is '' At that time she wanted to set me up on a payment plan but I was still weary about this debt because I know for a fact this debt owed is incorrect and I want proof for the debt reporting on my credit. I have also disputed this with XXXX.
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| 02/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This account that was opened was opened without my consent.I am unaware of this account.I 've reached out to this company many times about this issue. They have decided to ignore my concent. This is unfair in many different ways.I am writing to dispute a fraudulent account in the amount of $ _XXXX____. I am a victim of identity theft, and I did not make or authorize this charge or this account. I am requesting that the charge and the account to be removed, that any finance and other charges related to the fraudulent amount or account.I recently spoke to someone from the Jefferson capital LLC and i was told they would send something in the mail about my issue with an unauthorized account opened with my information.
Sincerely, XXXX XXXX
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| 07/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/2019 a XXXX XXXX account was opened in my name. The person added an authorized user of " XXXX XXXX. '' Within the last XXXX weeks, I began the process of closing on a home. Then, a collection account from Jefferson Capital Systems appeared on my credit reports. I disputed the debt because I knew nothing of it. I then contacted XXXX, who let me know about the account that had been opened in my name, wasn't paid, and was sent to collections. The person used my name, social security number, and an outdated address. I have attempted to contact Jefferson Capital Systems by phone, to no avail. I have filed a police report and provided it to XXXX. This is a clear-cut case of identity fraud, and it is close to making my entire family XXXX
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| 03/29/2021 |
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
- Their investigation did not fix an error on your report
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|
Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 11/24/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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|
Web |
Servicemember |
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I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit
|
| 03/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
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My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XX/XX/XXXX at XXXX XXXX, I've made a call to Jefferson Capital. In regards to an account that was made between XXXX XXXX from XXXX. With a past due collections, I've spoken to several staff members of Jefferson Capital. And have asked for the following.
1. ) An account number, XXXX of Jefferson Capital stated that he could not provide one for me.
2. ) An original contract from Jefferson Capital and myself. With the original signatures.
3. ) How much the dollar amount that the account was sold to Jefferson capital by XXXX XXXX.
I've attempted to reach out in good faith, wanting to make good to settle my account. Because of the marks on my credit report, it has damaged my name. And I'm unable to obtain proper housing for my family.
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| 07/15/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 02/19/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 05/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$480.00} on a XXXX XXXX account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
|
| 01/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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The original account was XXXX XXXX who wrote off this account years ago which reflected on my credit report. Jefferson Capital allegedly purchased this " account '' as a secondary collection and placed a Negative Mark and Collection on my Credit Report which I challenged. The issue is that Jefferson is falsely stating that the debt began on XX/XX/2020 on my Derogatory Remark when in fact the account was written off years ago by XXXX. The clock can not start anew and a recent date advanced which will result in a longer period of record on the credit report.
Jefferson Capital needs to adjust the date to the actual write off date which is years ago. By their own written admission, the collection is too old for any collection attempts.
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| 02/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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A collection account from Jefferson Capital Sys was placed on my XXXX credit report without proper notice in accordance with the Fair Credit Report Act. I have no knowledge of this debt and do not believe that it is mine. After disputing the account with XXXX it was added that it is related to XXXX XXXX. I had previously filed CFPB complaint XXXX related to the XXXX XXXX account on XX/XX/2020. I have not had an account with XXXX XXXX for over 3 years and the account had a {$0.00} at the time it was closed. The complaint was forwarded to the FTC. The result of the complaint was that the XXXX XXXX account was removed from my credit report. Now without proper notice or verification the account has been sold to Jefferson Capital Systems.
|
| 06/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had no knowledge of this cat until unexperienced boost and I had a collection deck from XXXX XXXX am I done it was for {$440.00} am I had no knowledge of the deck try to dispute it and it was opened on XXXX of XXXX from probably XXXX XX/XX/2019 XXXX XX/XX/XXXX I was in I was city from all that time I was XXXX I had XXXX XXXX XXXX XXXX and XXXX XXXX and I didnt even get out of bed for 3 1/2 months never left the house we moved from XXXX XXXX to XXXX Im at three people my husband my stepdaughter and her boyfriend took me to the car never left the houseI didnt know anything about it until I went to collection and it was on my credit report and I disputed it and they say that thats mean its from Jefferson Capitol systems XXXX XXXX
|
| 11/10/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??
|
| 08/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.
|
| 11/24/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have a collection account with Jefferson capital systems for {$1800.00} opened XXXX XXXXXXXX XXXX. The original creditor says XXXX XXXX XXXX. I have disputed the account several times and it keeps coming back as a valid account. I have not had a XXXX account in 5 years. I am XXXX XXXX XXXX XXXX XXXX it is simply impossible for me to have opened this XXXX account. If the charge is actually from XXXX in XXXX, that account is still open and making payments monthly. This debt does not belong to me, I have no knowledge of it. No one has ever contacted me about it, and no one has ever proved the debt to me. It just magically appeared on my credit report. Also, after my second dispute it was removed for about a week and then put back on.
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The XXXX debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
|
| 05/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have been attempting to contact Jefferson Capital Systems for the past 2 months. Every time I call, I get an automated phone system. I follow the prompts to talk to a customer service rep, and the system disconnects me. It does not even put me on hold in a queue. I am XXXX working for the XXXX as a XXXX, and I make the effort of staying up late to call during different times, including when they first open for business. They have no business e-mail listed for correspondence. I have attempted to use their automated system to get my account details from them, and the hopes of actually talking with someone, but every time I do their system states " We can not find an account with the information you provided '' which I used my SSN.
|
| 01/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I spoke with a supervisor named XXXX in XX/XX/XXXX regarding a debt of {$600.00} which they purchased pennies on a dollar from XXXX. I wanted to talk settlement as I requested she submit in writing the amount of the debt along with an arrangement and to also clear my credit file of such debt. The arrangement paying {$500.00} inlieu of {$600.00} and for them to submit in writing the arrangement. She mentioned they would sue me if I did not pay. I was served with a notice XX/XX/XXXX of a civil suit filed against me which would include fees they accrued from filing. A simple request to someone that was negligent turns into a legal matter as I did not agree on payment or this debt without a written confirmation. Which I never received.
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,
|
| 10/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2023 I called Jefferson Capital Systems Llc to settle on the debt they brought from XXXX Credit Card Company. I asked agent XXXX about the 60 % settlement offer that XXXX sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was 10 % off in 1 payment or 5 % off on 18 payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.
|
| 04/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
|
| 10/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution.
Now I'm receiving statements from a debt collection agency called XXXX. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
|
| 08/17/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get calls everyday and sometimes several times a day and when i spoke to them that i wanted to see what we spoke and agreed on over the phone in writing she said i would get an email and it would state that. I also wanted it to say that it would be removed from the credit report and she insisted i would get this email. Then she wanted to take my payment over the phone while i was driving and i told her i couldnt and that i still wanted to see this email and she insisted i pay and look at the email she never sent and i explained i wasnt going to put my life in danger just to read an email and i would read it when i got to my destination and she got upset and told me the deal was off and that it would go back to the original debt.
|
| 01/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On XX/XX/XXXX My Step Mother received mail in my Maiden name but with her address from Jefferson Capital. I have never lived at that address and has never been listed as an address I reside in. I have not had this name in over 5 years. It contained private information. I have not been contacted from this debt collector by phone or email or mail at my current address that I have now resided in for almost 4 years I have also checked my credit report and show nothing. Below is Jefferson Capital Address that this letter was sent from. In my investigation I had found there is a class action lawsuit against this company from during searches for family members in attempt to collect a debt.
Jefferson Capital XXXX XXXX XXXX XXXX NC XXXX
|
| 07/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.
|
| 04/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.
|
| 03/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking.
I am a victim of identity theft and noticed a collection from Jefferson Capital. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Jefferson Capital in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 10/05/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a email from XXXX the original creditor of this debt, on XX/XX/XXXX. It states after the investigation it is determined that Im not responsible for any charges related to the account number # XXXX. The account for the collection agency reporting the debt is Jefferson Capital System LLC acct # XXXX for the amount of {$3300.00}.
According to XXXX whom I disputed this to, file # XXXX, says that this was sent to Jefferson System and the decision wasnt in my favor.
What more proof do they wont to stop reporting this and allow this collection to be removed from my credit report. I have sent a copy of this document to Jefferson Capital System LLC XXXX XXXX XXXX XXXX XXXX MN XXXX, and it still is reporting to my credit report
|
| 12/16/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/20 i disputed a XXXX XXXX credit reporting for incorrect information. The XXXX account was removed from my credit report. On XXXX a new debt collecting company that purchased the XXXX account started reporting with even more incorrect information and showing as a new active account. I disputed the new account ( JEFFERSON CAPITAL SYSTEM ) with XXXX and the investigation came back as updated. JEFFERSON CAPITAL SYSTEM ( debt collector ) has incorrect information being reported as a new account as of XXXX. XXXX doesn't want to do the research to see the original XXXX account was removed for incorrect reporting data. XXXX sold the account to JEFFERSON CAPITAL SYSTEM and is now showing as a newly delinquent account. Thank you
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks!
XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount.
Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX
|
| 04/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. Ive called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!
|
| 05/02/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently applied for a credit line and was denied due to a recent collections. I pulled up XXXX XXXX and a new collection was added from a company called Jefferson Capital System this dent is showing opened in XXXX XXXX The original creditor for this listing is XXXX XXXX XXXX. The loan from XXXX XXXX was prior to XX/XX/XXXX which is 6 years ago and has no payments made on it since XX/XX/XXXX. This debt was illegally re-aged and has harmed me. It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to.
|
| 05/08/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a notice in the mail about a settlement which I agreed and tried to pay but collector then said debt was recalled. Called company and after they knew I agreed to pay they gave to new collector for higher amount, I went inside store and spoke with storemanager XXXX who has notated the account that I came in with cash and tried to pay. He says he see the letter and dont understand why I cant pay it. I had cash in hand and they refused the agreed settlement offer that they made. remove the debt since unfair and unlawful tactics have been used. I was instructed to open business account and have since been getting charges continuously crammed. Only got business account because they wouldnt honor their own settlement offer
|
| 10/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am filing this report because I discovered that I've been an identity theft victim and informed all the required parties. I told the credit bureaus and informed the creditors I suspected they were fraudulently reporting on my credit report. After deliberation, the creditors were notified and are aware that the accounts they are currently reporting to the credit bureaus are fraudulent and do not belong to me. I contacted the collection companies and informed them that the version resulted from fraud and identity theft, and they needed to remove it from my credit report. They have ignored my request. At this stage, my credit is being harmed by these derogatory accounts and collections and must be removed from my credit report.
|
| 02/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from XXXX XXXX for debt collection which looks fake. It states that I have outstanding debt with XXXX from XX/XX/2020. I have never had an account or used this service. When I try to get information from XXXX, they want personal information such as social debit security number. I just purchased a vehicle this summer and have the highest credit rating. This XXXX debt if valid would have shown on my credit report. It did not because it is fraudulent. I believe someone is trying to get personal data from me by trying to impersonate debt collection.
I have never received any communication or letters attempting to collect any debt from XXXX or XXXX until today. The debt listed on this letter is from XX/XX/2020.
|
| 09/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving correspondence from Jefferson Capital Systems LLC since XXXX of XXXX stating that I owe an alleged debt. My account information was sold to Jefferson Capital Systems LLC by XXXX XXXX. Which is a violation of my privacy rights. Despite the alleged debt is over 7 years old they are still making attempts to collect this alleged debt. On Tuesday XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX eastern time. I spoke with an agent named XXXX and their agent ID is XXXX. I called to get the balance and account number and at the end of the call I ordered the agent to cease and desist all communication. The alleged debt that I owe is {$460.00}. They are in violation of 15USC 1692 F1 and 15USC 1692 F8
|
| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently had a new collections account added to my credit report by Jefferson Capital Systems for a fraudulent XXXX XXXX account for {$280.00}. I did not open this account- I have no knowledge of how this account was opened because I did NOT open an account with XXXX XXXX XXXX I had XXXX XXXX for a provider more than 10 years ago and did NOT owe them any money before switching to XXXX. This recent ( date on XXXX XXXX says XX/XX/2021 ) XXXX XXXX account is complete and total fraud. I have disputed this debt through XXXX XXXX several times now and they keep saying that it's accurate. It is NOT accurate, I did NOT open a XXXX XXXX account. This fraud is hurting my credit, please help me resolve this fraudulent debt. Thank you.
|
| 09/07/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have an old account that went to collections for XXXX XXXX. The amount owed was {$1000.00} when it went into collections. When I received a call about this bill in XX/XX/2020, I was told that the bill was {$2100.00} ( which was never the amount owed ).
Well because I am trying to increase my credit score I planned to pay all past due bills. The company assigned to the collection was XXXX XXXX XXXX XXXX.
As I spoke with the rep, he explained to me that I could not negotiate a settlement or payment plan since they company is not licensed to collect in RI where I live. Please explain to me how this can not be disputed? I have disputed this numerous times but I am getting nowhere. The amount they are charging me is also wrong.
|
| 12/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX working on behalf of Jefferson Capital Systems LLC XXXX has called me several times from several different numbers about several different credit cards for Jefferson Capital Systems LLC.
While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day.
XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/23 and he did not have anything on file.
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/XXXX to stop calling ).
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan XXXXue to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports
|
| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021 I received a text alert informing me of a collection account in the amount of {$380.00} that appeared on my credit report. Upon viewing my credit report, Jefferson Capital Systems reported a delinquent account for XXXX XXXX.
I NEVER received a letter from Jefferson Capital Systems nor have I received any telephone calls regarding this account.
My mobile phone carrier has been XXXX XXXX for over three years. I have never received any communication from XXXX XXXX and I've had the same mailing address for over 12 years.
I have Informed Delivery from the USPS.com and I am happy to provide records of my mail that has been delivered. There has been absolutely nothing from XXXX XXXX or Jefferson Capital Systems.
|
| 05/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. Jefferson Capitol Syst did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.
|
| 10/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted Jefferson Capital Systems , LLC to try to negotiate a reasonable settlement plan, explaining that I can not afford to pay more than {$25.00} to {$50.00} per month considering a death in the family and prior to the passing of that family member, I was caring for that family member 's long and progressive illness from two years prior. I have also had other problems in the mean time, including loosing my health insurance and paying off other debts. They did not want to stop any collection actions until I plan to make a payment plan with them. They wanted me to come up with {$100.00} within 7 days and for a month there after. They don't seem to care about my situation. I will also file a complaint with the FTC.
|
| 10/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I check my report often to make sure my information is reporting accurately. A few years ago, I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company XXXX as a collection for {$270.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or dunning letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!
|
| 01/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or about XX/XX/19, Jefferson Capital Systems appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from XXXX showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.
|
| 10/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # :XXXX Amount XXXX I contacted XXXX and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
|
| 04/08/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Got a letter stating i owed a cell bill. I contacted XXXX and notified them i did not own this phone and this was part of ID theft. A short time later I received yet another bill from XXXX. I contacted them yet again to let them know that this was a fraudulent account. They ( XXXX ) told me i would have to obtain a police report which I did. Detective XXXX XXXX from the XXXX TN Police Dept., sent XXXX the copy of the police report. Sometime after that the fraudulent account was handed over to a collection agency in my name and put on my credit report. I have been fighting this going on several years now with no resolution to this matter. 4 years later I am still actively trying to get this removed from my credit report.
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I went on the website from the letter to review the account.
I was offered XXXX choices : XXXX. Pay the balance in full in XXXX payment today.
XXXX. Pay the balance in full in XXXX payment in 30 days XXXX. Settle the account with the below offers *Pay off this account with XXXX payments of {$850.00}. This represents approximately a 55 % discount. TOTAL OF OFFER IS MORE THAN BALANCE DUE. BALANCE DUE IS XXXX, AMOUNT REQUESTED IS XXXX ( claiming to be a 55 % discount ) which is a XXXX increase, not decrease.
*Pay off this account with XXXX payments of {$150.00}. This represents approximately a 50 % discount. Total offer is {$940.00} *Pay off this account with XXXX payments of {$150.00}. Total offer is balance in full.
|
| 07/26/2017 |
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
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Closed : XX/XX/XXXX - {$820.00} Closed Overview You 're currently using 118 % of your account 's limit. Balance {$820.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 11 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$820.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account closed by consumer Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. WHEN I CONTACTED XXXX XXXX THE REPRESENTATIVE TOLD ME TO REPORT IT TO THE AGENCY BEFORE IT WOULD BE REMOVED FROM MY CREDIT REPORT
|
| 07/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I was contacted by XXXX XXXX on behalf of a debt collection I have with Jefferson capital systems. I have interest in resolving the debt and I provided my social. They seemed legitimate when I was speaking to a manager until he provided me with the name XXXX XXXX then when I asked for a letter sent to my physical address with proof of their relation to XXXX XXXX and the debt they quickly ended the call and said they would report that I didnt want to resolve the debt to the official collection agency, XXXX . Im worried I provided my social to a potential scam. When I try to look them up I can find nothing related to their company or a number to call. I called the number back and it rings and then ends. No live person.
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXJEFFERSON CAPITAL XXXX XXXX ... XXXX XXXXXXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 03/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking.
I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}.
Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested.
Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period.
The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
|
| 10/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive spoken with XXXX XXXX about two years ago about this incorrect account on my credit and Ive provided information to them to advise of this incorrect information and theyre still reporting this item and hurting my credit. I am unaware of this item, and then it now shows that the item opened on XXXX 2016 when it was reported well over 4 years ago. They are reporting incorrect information, which is against the law, if we cant get this issue resolved within the next 30 days I will be hiring an attorney and filing suit for the continuation of wrongfully reporting inaccurate information on my credit report, which is causing me to not be able to move forward in my home buying proceeds and its causing great steer on me.
|
| 12/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company by the name of Jefferson is reporting on my credit report, I have disputed this account multiple and it keeps coming back verified without sending me the information I requested.I have never had an account with this company and never gave them permission to report on my credit profile I have request a debt validation letter and a contract and the company will not provide that I would like a debt validation letter and a contract with my signature and a 1099 something. I have noticed multiple violations on my credit report from this company as well, along with their unpredictable reporting. I never have never done any type of business with this company. And will also be suing for defamation of character.
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I took out a loan during some financial difficulties back in 2016. At the time I didnt know about interest rates or the length of loan terms. I had been paying this loan for over four years and hadnt even scratched the interest. I know now that it was predatory the amount of interest I was paying on the loan. It got way too expensive so I stopped paying. Since then I received phone calls and voice mails about threatening to put it on my credit despite FCRA guidelines that protect military service members. They have since added it to my credit and it has drastically affected it. A third party is now trying to collect on it and continue to report it on my credit, which has vastly affected my credit in a negative way.
|
| 03/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX is in violations FCRA 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 05/21/2023 |
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
|
|
Web |
|
|
i cancelled an account with XXXX XXXX 10 times in XXXX never received goods or services before or after XXXX, i have sent multiple emails to XXXX XXXX i tried using the pass once but it did not work have written to collection agency for XXXX XXXX stating the above i am getting mail from a 2nd debt collector Jefferson Capital dept XXXX XXXX XXXX XXXX, AL XXXX also received collection letters from XXXX XXXX statement date of original charge XX/XX/ for {$780.00} i have written to XXXXXXXX XXXX to dispute the charge. in response they sent me to a 2nd collection agency jefferson Capital address is above i have been disputing this charge by email and regular mail i have called XXXX XXXX and XXXX to dispute the charge
|
| 05/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Jefferson Capital had called my place of work numerous times. I have looked on my credit report and I have nothing in collections from this company. I also have never received anything in the mail from them. I do not know why they would call my office repeatedly. The office staff tells them I am not in the office. They also are very rude and aggressive with the office staff. I finally called them back and gave them my phone number, not my employers phone number, and they had no record of me in their system. I told them to stop calling my employer. They have never once tried to reach me personally or through mail. I have no idea what this is in regards to, like I said before nothing is showing up on credit reports.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus.
This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.
|
| 11/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My XXXX debit card was compromised in early XX/XX/XXXX I didn't notice since whoever was using it was making small incremental charges. I notified XXXX XXXX since that is where those charges originated and they confirmed someone by the name of XXXX was using my debit card through their account. That said around that same time a JEFFERSON CAPITAL SYST for the amount of {$240.00} on behalf of XXXX XXXX showed up on my credit report as delinquent. I have had the same XXXX XXXX account and phone number since XXXX and I am up to date on all of those charges. I don't know if the two are related but it is interesting timing.
That said I wish to dispute this claim as it is the only negative blemish on my credit score.
|
| 10/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I looked on my credit report and noticed that I had a debt of {$2800.00} a debt that I never had any idea I owed the company that put this on my credit report has never written me nor called me. This information is incorrect the last letter I got was a bill for {$32.00} so now I have another bill that I have never received the company closed down and I have not heard from them since. I am disputing this bill for I have never received any verification other than {$32.00} I can not pay a bill if I have never received it I request for this account to go back to the original creditor and to reverse this charge as debt created with no notification to pay it how can anyone pay something when I never received the bill.
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received a letter from my current employer alerting me that my check was being garnished.. when I called the XXXX XXXX who is responsible for the garnishment they said they tried to contact me using an address that I have never lived at and they werent able to verify it was me. I asked them to mail me proof that I was responsible for the debt they sent me a letter trying to verify my identity AFTER the garnishment court date telling me I had 30 days to verify debt.. I went to the courthouse and they told me the court date had passed and the court signed of on a garnishment before the company XXXX XXXX even verified I owed the debt. I do not owe this debt I wasnt even given the chance to prove it wasnt my debt.
|
| 10/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 12/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had sold and item thru XXXX several years ago. The person then decided he didn't want it, and wanted a refund. The sale was final As-Is, but i decided to refund the charge. I refunded his money thru XXXX, then AFTER that he filed a dispute with his credit card, which then reversed the entire XXXX. So now i'm out that money and the money i refunded him. XXXX refused to give me any information on his credit card that i could contact and file with them, then wanted me to pay them the XXXX.
This was a scam from the beginning and XXXX was in on it. Now they have sold to an outside firm, trying to collect from me. I have no additional paper work, as it was on the XXXX site, and they have blocked my access to it.
|
| 12/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted XXXX XXXX multiple times for them to resolve this error. XXXX XXXX insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, Jefferson Capital Systems, I am told I must have XXXX XXXX resolve this error.
XXXX XXXX is refusing to resolve this error is selling my settled and paid debt to Jefferson Capital Systems. XXXX XXXX is refusing to refund me for the debt settlement payment that I have already made.
|
| 03/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX is reporting negative information on my credit report and have been doing so for the past 2 years, i have contacted them several times and advised them that the debt does not belong to me and asked for original documentation ( a consumer contract with my signature on it ) to be sent to me which is required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) to this date they have not provided me such documentation, i have contacted all three credit bureaus and they conducted an investigation and removed the item from my report previously, however they have now sold the debt to another collection agency XXXX XXXX XXXX whom is now reporting negative information on my credit report.
|
| 01/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of. My identity has been stolen a while ago someone was taking my mail out of my mailbox I did everything i was told to do and all the things where removed from my credit know they are coming back on my credit this is not my debt. Only thing this company could show me was my address that is all I ask them to remove this because this is not my debt I was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit report without me knowing it.
Jefferson Capital System {$1700.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$540.00}
|
| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
|
| 08/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Jefferson capital Account XXXX you state original creditor is XXXX Please if you can validate is account for me NOT VERIFY { 1 } who you talked to their name contact information, what was SAID both parties, any associates you contacted their name and contact information, time and date of above contact any co worker you may have contacted their name and contact information, the { original creditor } name and contact information VERIFIED means make sure or demonstrate that { something is true or justified, } LAW swear to or support { a statement by affidavit } Validation meaning the action of checking or proving the validity or accuracy of something { contract Signatures, .CFPB have a rights to this information
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/2018, someone opened a fraudulent account at XXXX XXXX, which owes {$290.00}. I have never opened an account with them and I have no relationship with that company, it is identity theft. I called the debt collection agency which is Jefferson Capital, and they told me that I had to send evidence that it was fraud, I asked them what any necessary documents they need, and they only repeated that should be documents that proved to be fraud and they did not tell me nothing more. I called the police to file a complaint and they couldn't help me either. In XXXX XXXX they put me in Derogatory Mark and the account in collection. And I called XXXX to notify it, and I made the dispute. But it couldn't be fixed.
|
| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Since XXXX, these items have been on my credit report and have robbed me of my financial freedom and have resulted in increased interest rates and expenses unfairly to me. For many years I have responded phone calls to provide proof of ownership, with no responses.
Recently, from XX/XX/XXXX until XX/XX/XXXX I have written letters to these creditors and credit bureaus to remove the false information from my credit report. They have either not answered or have said that this was verified as accurate with out providing my signature, full account numbers or providing proof that these were my accounts.
XXXX XXXX allege I owe {$2500.00} XXXX XXXX XXXX XXXX allege I owe {$5200.00} XXXX allege I owe {$9600.00}
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Back in XX/XX/XXXX /XX/XX/XXXX i sent out a letter to XXXX XXXX XXXX XXXXequesting for Validation of this debt that is reporting on my credit report.
The company XXXX XXXX XXXX, which i hold no contract/no hand signed contract with nor have received services from, reported a collection account against my social security number in the total amount of {$780.00} with XXXX, XXXX, and XXXX credit reporting Bureau. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
After reviewing my credit report I notice a collection that I am not responsible for. Below is a copy of the collection on experian. I am a victim of idenity theft.
XXXX XXXX XXXX Original creditor : XXXX XXXX 0 % of this account is paid off Balance on XXXX XXXX, XXXX {$3200.00} Original balance {$3200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
|
| 01/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 07/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I was taken to court by the Jefferson Capital System, LLC. The judge ruled in favor of the plaintiff for me to make arrangements to pay off debt. I called on yesterday and spoke with a lady who did not identify herself. I told her the nature of the call and she became rude by calling me a liar when I explained my income of SSI. She continued to ask why I did not pay the bill in 2017 and I explained that my income varies from month to month. I became upset and got a little loud on the phone and the representative from Jefferson Capital System told me that I was not going to get loud in her ear because she had to work until XXXX and she was not going to have a headache and then she hung the phone up on me.
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Previously contacted company and the credit bureaus to remove negative information. Jefferson Capital ( debt buyer/third party collection agency ) was unable to validate this debt for {$950.00} to the credit bureaus or to me personally because it does not belong to me. They continuously harass me, reporting this negative information, and deliberately destroying my credit information. XXXX previously filed an investigation and due to no proof ; they deleted it from my credit file. However. I just found out today ( XXXX XXXX,2017 ) that this debt buyer ( original creditor -XXXX XXXX ) once again reported this alleged debt with XXXX and is being reported again. This is a direct violation of FCRA and FDCPA.
|
| 01/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
When I submitted payment over the phone after settling on an amount ( half of the fee ) they ran my card, however no money came out. I have tried multiple times to receive information on the debt via MAIL and they have not sent anything ( however they claim they have ). When I contact them, some representatives refuse to speak to me without giving them my social, while others know my information before I even have a chance to talk ( via phone number. ) I am very upset and am trying to settle my debt, however I am unsuccessful at doing so. I am even having trouble with the supposed company who controls the debt. The number listed on the website says they do n't actually have the debt, leaving me confused.
|
| 10/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification in the mail from Jefferson Capital Systems for a debt they bought for a XXXX XXXX bill. They also placed this debt on my credit report. I disputed this debt immediately because I have never had a XXXX XXXX account or know what this would be for. I requested proof of debt ( which they could not provide ) and requested this be removed from my credit report because this is not my debt. This occurred XX/XX/XXXX. I, also, reported this dispute to the credit reporting agencies. They just placed a line note on my reports, but it would n't be removed until XX/XX/XXXX.
As of XX/XX/XXXX the debt is still on my credit report. This is impacting my finances for a debt that is n't even mine.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act Jefferson Capital System, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
|
| 02/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received multiple calls from Jefferson Capital to attempt an alleged debt. I never received any written information about disputing an alleged debt after initial communication via phone. I then took action to dispute the third party debt collection agency. I requested that Jefferson Capital to stop communication via phone by sending a Cease and Desist letter via certified mail. I also requested that the third party collection agency send me any information pertaining to the alleged debt. They received the certified mail on XX/XX/2021. I have yet to receive any documentation for the account. I received four additional phone calls after they received the Cease and Desist letter from Jefferson capital.
|
| 03/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of.
Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life.
I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will.
cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
|
| 07/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, I checked the court website to find out when a certain debt was paid and noticed that a judgment was awarded against me in XX/XX/XXXX without my knowledge. I wasn't served any paperwork in regard to this hearing so I could go and defend myself in front of a judge. The court website said it's Jefferson Capital that is suing me but when I contacted Jefferson Capital on XX/XX/XXXX, they had no knowledge of what I was talking about. I was told to call XXXX XXXX and once again, was told they had no account in my name. So I called XXXX XXXX XXXX where I asked for a copy of the summons for this case and XXXX XXXX told me that he couldn't find the summons and no other paperwork could be found.
|
| 12/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from XXXX collections agency for an unpaid XXXX XXXX debt of {$1800.00}.
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Jefferson Capital, a collection company for XXXX put a mark on my credit for an account I never opened. It was opened by a lady named XXXX XXXX in my name. They threatened to have me sued if I did not settle what I owed. So I accepted a letter settlement pay off of {$150.00} dollars and paid online. The company did not remove the collection after telling me they would. They were informed this account was fraudulent and said it would be closed. I do have proof that I paid the {$150.00} dollar settlement to them. I dispute it on my credit report with no luck. I am locked out of my online account and they will not contact me to settle this. I feel intimidated and scammed out of my money. This is wrong.
|
| 05/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something i would like to know what the tracking number is so that i can track where this was send to because this is a clear violation of my rights and i want this XXXX XXXX account removed immediately.
|
| 01/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX XXXX XXXX # act:XXXX {$15000.00} this company appears to not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Accepted a non-contract cell phone deal with XXXX while a XXXXXXXX XXXX
I received too many dropped calls and returned phone to XXXX pursuant to our agreement. Again, there was no contract.
A short time later, XXXX placed a collection on my credit report and notified me that I still owed for the phone that was not returned. I contacted XXXX and provided photographic proof that the phone was returned. XXXX then agreed to remove the collection from my credit report. Now, some ( 3 ) years later, XXXX has sold the same debt to another collection agency who has now filed a collection on my credit report for the same phone that was already settled. The new collection agency is Jefferson Capitol System.
|
| 07/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The debt owed is from a XXXX XXXX account. Jefferson Capital Systems , LLC owns the debt. The collections account was opened on my credit report on XX/XX/2019. I have been using straight talk or XXXX XXXX XXXX as a phone provider for over 5 years. This debt should not be on my credit report. I have received no information or account numbers from Jefferson Capital Systems that will allow me to review their claims to prove that I owe them for a debt. Every email I have received from Jefferson Capital doesn't provide me with any information or account numbers I can use to reference my debt. They send me links all of the time that wont allow me to make payments even if I wanted to pay this phony debt.
|
| 12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX, has a violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that I have rights to privacy.
15 U.S.C 1681 section 604 A. Section 2 : it also states that I have a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 12/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2022 I reached a settlement agreement with Jefferson Capital Systems for a debt they purchased from XXXX XXXX. The settlement was for {$2800.00} and broken down into XXXX XXXX monthly payments.
The first {$150.00} payment was made on XX/XX/22. The second {$150.00} payment was made on XX/XX/22. The remaining balance of {$2500.00} was paid in full on XX/XX/2022.
Instead of updating the account to show that it was settled on my credit report, Jefferson Capital just reduced the original balance and still shows a past-due balance. I disputed this through the credit bureaus and it came back as verified and accurate. I then emailed their general counsel and he was completely non-responsive.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} JEFFERSON CAPITAL SYST XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
|
| 11/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This year during the pandemic ( Covid-19 ), I tried to dispute this alleged debt with Jefferson Capital System with the credit bureaus. The bureaus never sent me any information regarding this alleged debt so know I sent a No response back to credit bureaus and now I'm sending a Debt Validation letter to collector. Since neither debt collector nor credit bureaus have no proof that this alleged debt is mine, by law this debt as to be deleted from my credit report. Debt collector should be receiving validation letter via certified mail this first week of XXXX and now in this complaint. I shouldn't be treated like this especially during a pandemic, its hard enough out here trying to make ends meet.
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted XXXX about the debt, they stated they thought someone else had taken out another phone in my husbands name couldnt find anything with his social security number ... two weeks later they removed this account from his credit report and closed it and said resolved which brought his credit up now this happened in XXXX I have the documentation, then they sold the account to Jefferson capital systems which now they keep hitting his credit report I called them and they said they had this account since XXXX which makes no sense if they closed it threw XXXX and put resolved Jefferson capital system said they are going to dispute it but we will still probably have to pay which I think is unfair
|
| 07/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX through XXXXXXXX XXXX card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment.
Recently I received notification from Jefferson Capital Group saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what XXXX asked and paid the amount in full.
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I got a complaint for old debt in 2018. I never got any collection letters at my current address. however was presented with summons at my house. I tried to called Jefferson capital and XXXX XXXX to pay this debt and get a settlement. I called and the number provided in the summons kept telling me the department is not there. Waited on hold multiple times to get disconnected. Representative are not knowledgeable or aware of this. No resolution. I even sent an email to XXXX XXXX with a response of asking for my number which I provided.
I also called on XX/XX/XXXX to be on hold asking for my information and then getting disconnected. This is not an excuse or a way to collect debt being inhuman.
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| 03/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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The debt was created in XXXX it has gone through several creditors. Payments were made to one but it was sold again and there is no record of that Also, it is showing on my account as a recent account a XXXX account when that isn't correct. I've asked it be removed I've disputed it through XXXX and nothing works. They aren't recording payments properly and the debt is being treated like its new when it should have been removed from my card. This claim is also for a phone that was lost and then the company refused to replace it despite insurance. They continued to charge service fees while I had no phone. I disputed the charges and canceled my service. This needs to be removed from my account
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| 01/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Company sent me a letter stating that I owe XXXX XXXX {$1200.00}. I have never had XXXX. The letter they stated had my name spelled wrong and a apt number. I have never lived in a apartment. I called the company and some lady tried to get force me to say that it must be my account and that I have to remember it. She went on to say that it might belong to another family member in my house that I forgot. I did record the message and I can send it if need be. I told the lady that this was on my credit report a few years ago and I disputed it and was deleted. She then went on to say that her company just purchased this. This company is some junk debt collector that doesnt care. Lady was so rude.
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| 03/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have contacted XXXX and XXXX regarding collections against me from Jefferson capital system, they are trying to pass off old collections as new ones on my credit report. One of them is an old XXXX account thats over 7 years old and also a car loan they are not providing the correct amount and are trying to pass it off as a new debt of 2019 which is not accurate I have contacted both agencies and they are not correcting it. My car was bought back by the company and sold they have not included the amount they received from the car sale ... price lease help get the XXXX off my record since the XXXX account is so old it doesnt even show on my report they are trying to pass it off as new debt
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| 07/11/2019 |
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
- Their investigation did not fix an error on your report
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Web |
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XXXX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT XXXX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. JEFFERSON CAPITAL NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT.
XXXX IS IGNORING MY REQUEST, JEFFERSON STATED THEY ARE NOT REPORTING BUT XXXX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....
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| 04/08/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/XXXX I communicated with two different agents at the XXXX XXXX XXXX collection agency about a prior XXXX account. I called to inquire about the date that they are reporting my account was opened. According to my XXXX credit report, they are reporting that this account was opened XX/XX/XXXX. This account was opened in XXXX and did not enter delinquency until XXXX. This is considered " re-aging '' and not only violates federal law, but it goes against the Fair Credit Reporting Act. When I spoke to the female agent she said that I was wrong and it did not go against FCRA. I let them know that I was calling to report the error and if it is not corrected I will be contacting an attorney.
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| 07/22/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
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|
Web |
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I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.
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| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX of this year I received a written notification that I owed Jefferson Capital Systems {$3200.00}. Apparently the original " creditor '' was XXXX XXXX in XXXX XXXX, Minnesota. The date it was opened was apparently XX/XX/19. I have never been to XXXX XXXX nor did I open this account. I have no knowledge of this account, did not authorize this account, and expect this account to have been opened due to identity theft. I disputed the collection with both XXXX and XXXX XXXX, but both companies only verified that the information was accurate. I refuse to pay {$3200.00} because I did not open this account. I am furious that neither XXXX nor XXXX XXXX verified that the charge was fraudulent.
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| 06/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I RECEIVED DEBT COLLECTION LETTER FROM JEFFERSON CAPITAL SYSTEMS, THE LETTER WAS AN OFFER TO PUT THE COLLECTION AMOUNT ONTO A NEW CREDIT CARD, WHICH WOULD FORGIVE A PORTION OF THE DEBT. WAS REALLY CONFUSING. I WROTE JEFFERSON A LETTER REQUESTING VALIDATION, NEVER RECEIVED A RESPONSE. I RECEIVED ANOTHER LETTER TO PUT COLLECTION AMOUNT ONTO A CREDIT CARD, AGAIN WAS CONFUSED ATTEMTPED TO VALIDATE DEBT VIA A MAILED LETTER. NO RESPONSE AGAIN.
XX/XX/XXXX FIRST LETTER RECEIVED XX/XX/XXXX SECOND LETTER RECEIVED XX/XX/XXXX 1ST VALIDATION LETTER MAILED XX/XX/XXXX XXXX VALIDATION LETTER MAILED NO RESPONSE NO OTHER COMMUNICATIONS RECEIVED XX/XX/XXXX MY WIFE WAS HANDED A SUMMONS FOR ME FOR THIS DEBT.
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| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter informing me that I have a XXXX debt totaling {$290.00}.
This is impossible for 3 reasons.
1 ) My husband and I share a XXXX account and his name is primary.
2 ) That account is connected to a credit card. There is never any debt in that account, because purchases automatically are paid by that card.
3 ) The debts in XXXX would be named for the companies that provided goods or services THROUGH XXXX.
Also, they used a nickname, not my full name.
From Jefferson Capital, Ref # XXXX www.MyJCAP.com XXXX XXXX XXXX XXXX. XXXX XXXX MN XXXX Mail payments to : Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX Return mail address : XXXX XXXX XXXX XXXX, NC XXXX XXXX whole addresses!
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| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I have uploaded all of the following documentation to show record of the original debt collector XXXX on behalf of Jefferson Capital Systems LLC offered as shown in the documentation a settlement in the amount of {$600.00}. I scheduled auto draft payments and held my promise to pay off {$75.00} a month. At this time the settlement has been paid in full. Ive recently received another letter for collection on the same debt for the remaining deficiency balance of {$400.00} from the original debt collector Jefferson Capital Systems LLC which looks as if the remaining balance was resold back to the original collector which doesnt make any sense why would you sell the debt and then buy it back?
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| 05/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have reported this debt on my credit report to each credit bureau and also the company that placed it because it is a result of identity theft. I have lived in XXXX, XXXX since XX/XX/XXXX and once I moved out of my fathers home in XX/XX/XXXX I put my electricity bill in my name and have so even now. There is no reason I would have needed a electricity bill in XXXX XXXX when I do not live there. This is a case of identity theft. I have never received any bills, notifications, or any other notice of this account until it was placed on my credit report and I have been dealing with trying to have it removed and a fraud alert placed on my account since then. The amount is {$2400.00} dollars.
|
| 10/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.
|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I have been working diligently on my credit repair. I have found battle after battle, and still feel like I'm be frauded.
I received in the mail a bill from Jefferson Capitol saying I owe on a cell phone bill to my current cell phone company.
I do not have any delinquent debt with them.
I called and they told me they would issue a dispute.
Now I get another letter stating they want my ss # account # description of error and explanation of why I believe there is an error, dollar amount in question, date of suspected error, cope of the credit report with their trade line.
I again called them and they told me, ok, we will stop collections, and will not report on my credit reports.
|
| 06/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
On XX/XX/2020 I checked my XXXX credit report and noticed a collection from Jefferson Capitol Systems was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company XXXX XXXX XXXX. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.
|
| 03/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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Letter Sent to my Mom 's Address, not MY address from JEFFERSON CAPITAL SERVICES LLC. stating I owe XXXX XXXX XXXX, which I have no Idea where this debt is coming from in the amount of {$1000.00}. I attempted to call the company JEFFERSON CAPITAL SERVICES they stated they are a debt collector asked me to verify address, however, since the letter was sent to wrong address I don't trust they have the correct person. I asked to verify debt with original copy of contract, they stated they need to verify account. I refuse to release any personal information to this creditor as they can not validate debt. This creditor JEFFERSON CAPITAL does not appear on my credit report and is in violation.
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Hello, i have been trying to communicate with these 2 collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are 6 years old, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations. They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?
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| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Contacted Jefferson capital on XX/XX/21 to see why I havent received a pic ltr and email.. spoke to a supervisor # XXXX XXXX XXXX from Jefferson capital he told me he received my check for {$150.00} that on the back of it stated by cashing this check you agree to pif and remove from my credit within 30 days he started getting loud with me and said that was never a green upon I let him know I spoke to XXXX agent # XXXX on XX/XX/XXXX and agreed on a XXXX balance. I made an agreement placed it on the back of a check and they cashed it XX/XX/XXXX agreeing to the terms and now they are trying to send me a settlement in full instead of a payment in full and havent removed it from my credit.
|
| 02/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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In XX/XX/2021, I sent JEFFERSON CAPITAL SYST a debt validation letter requesting to have an unknown debt validated. Tracking # XXXX which shows the debt validation letter was delivered and signed for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed JEFFERSON closed the account instead of removing it. This is a violation of Fair Debt Collection Practices Act because Debt collectors are prohibited from : Giving false credit information about the debtor to anyone, including a credit bureau.
You are providing XXXX, XXXX and XXXX with false credit information that this negative account is valid and it is not. I am now able to seek punitive damages from you.
|
| 08/25/2017 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEM is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened up an account with XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/XXXX. Jefferson Capital recently purchased this account I had from XXXX XXXX and has re-aged this account. They have told XXXX, XXXX and XXXX that I opened the account on XX/XX/XXXX and all 3 bureaus are reporting this Re-aged account as of XX/XX/XXXX. Since then, It has dropped my score. I would like this account deleted I also would like to sue Jefferson Capital for their Unscrupulous Illegal practices. I have a few copies of my credit report before Jefferson Capital Syst purchased the account and after they re-aged the account. I will attached to this complaint.
Thank you for your time, XXXX XXXX
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original debt to XXXX XXXX ( the creditor ) was charged off many years ago and has long since exceeded the statute of limitations established in the state of Florida where I resided when the delinquency was incurred.
Jefferson Capital Systems, XXXX XXXX XXXX , XXXX. XXXX, MN XXXX, illegally re-aged the debt in XX/XX/XXXX, effectively restarting the clock, claiming that it now expires on XX/XX/XXXX. I took no actions which would legally allow Jefferson Capital Systems to take this action.
Jefferson Capital Systems continues to report negative information to the 3 credit reporting bureaus which have inhibited my ability to receive favorable terms on a mortgage and two car loans.
|
| 06/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collector : JEFFERSON CAPITAL SYSTEM Creditor : XXXX XXXX Amount {$180.00} This amount is not correct and this debit is not owed no matter how many times I talk to the collections department or XXXX.
I had a XXXX account and I was transferring my phone lines to my new husbands account. It was called an assumption or liability. The account had to be at a ZERO balance before the line could be transferred over there. They keep saying this is a past due but there was a Zero balance. XXXX ca n't even talk to me as they sent me to a collection account company and I tried to talk to them and I disputed it through them as well.
I want this removed from ALL XXXX credit reporting companies!
|
| 03/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Jefferson Capital Systems did not sent me any verification by email or mail letter to show that the debt was my. I have disputed this debt through XXXX show as verify with out any proof of information that was ask by mailing letter and digitally uploaded, and yet did not show me any proof of letter of my signature that I own on this debt I already have been asking for the verification letter over pass 60 calendar days, but yet again and again Jefferson Capital Systems fail to show me any proof of verification of the debt, and keep reporting on my credit report as verified. Jefferson Capital Systems continue to be little consumers this company conducting the business is unacceptable.
|
| 04/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Jefferson Capital has violated my rights.
15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
|
| 02/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson capital system re aged a collection account they purchased from XXXX XXXX. The original debt was from XX/XX/2012 and they have reported to all three credit bureaus the account is 3 mo the old which makes it illegal to re age a account per FCRA. I filed a dispute and contacted the collection agency which the supervisor I spoke to informed me they have a payment processing company collecting the debt. Not only that but I am not legally responsible for this account. My debt was with XXXX not any other collection company so that in itself is not allowed. All three credit monitoring agencies have the delinquent date for 3 months from this date when it originally was XX/XX/2012.
|
| 03/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : JEFFERSON CAPITAL SYSTEM XXXX # XXXX
|
| 03/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have addresses tied to my credit report that I've never live in my life. One account is from XXXXXXXX XXXX as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years ( XXXX ). According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
|
| 04/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX is trying to a collect on a debt that was already paid.
to XXXX XXXX ( see attached ) I have had no contact with XXXX XXXX other than a degrading phone call that was left for my mom claiming that she will be arrested if this debt was not paid. They are a straw debt buyer who has harmed several consumers such as myself. They have reported negative credit reporting to the credit bureaus.
In the court case referred to above, the Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45a
|
| 05/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For a little over a year now, beginning in XXXX of 2017, XXXX XXXX has been reporting a XXXX collection to my credit for over {$2000.00}. I have attempted to dispute this account a number of times - both in writing to XXXX XXXX and via the credit bureaus as well - but XXXX XXXX continues to verify it as accurate and it remains on my reports. Despite multiple disputes and letters to the company requesting documentation, they have yet to provide any proof of the debt or charges that created it. I assert that I owe no debts to XXXX and do not know why there is an outstanding collection in my name. As XXXX XXXX refuses to send me any verification, I am still in the dark on this matter.
|
| 05/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a jefferson capital collection collecting for XXXX XXXX. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called jefferson cap who gave me the number to XXXX XXXX and they dont answer the phone. I then called XXXX who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report
|
| 09/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted both XXXX XXXX and XXXX in regards to a negative account being reported in my credit files. I received a letter from XXXX dated XX/XX/2018 stating the account was sold to XXXX XXXX. Prior to this date, I received a letter from XXXX XXXX stating they provided verification of the debt, this is untrue. The information received did not have my signature therefore that is not validation. In addition, the letter stated that my credit reporting dispute is with XXXX XXXX XXXX.
I am requesting for this account to be removed from all 3 credit bureaus, as neither company has provided me with validation that proves this is indeed my account.
**Both letters are attached **
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 08/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019, I received a call from Jefferson Capital Systems LLC, in an attempt to collect a debt of approximately {$1100.00} that was owed to XXXX XXXX. However, I do not have any consumer debt nor have I ever had an account with XXXX. Therefore, I immediately suspected that this attempt to collect money was fraud.
My suspicion was confirmed when I decided to research Jefferson Capital and one of the first results that came up from my XXXX search was " Jefferson Capital XXXX Fraud ''.
Please take the appropriate action against this company because while I am capable of determining what is fraudulent, other people are not.
Thanks for your timely attention to this matter.
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am filing a formal complaint against Jefferson Capital, regarding their account number XXXX, for multiple violations of my rights as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations 15 USC 1681 Section 602, 15 USC 1681 Section 604 ( a ) ( 2 ), 15 U.S. Code 1692c, 15 U.S. Code 1692j ( a ) include mishandling and improper disclosure of my personal credit information without my consent, as well as unlawful communication regarding debt collection without my prior approval. Furthermore, Jefferson Capital furnished deceptive forms during the collection process, falsely implying the involvement of a third party.
|
| 03/03/2022 |
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
|
|
Web |
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My closed XXXX XXXX account was closed and went to collections in XXXX. XXXX originally sent it to one debt collector and it was sold to another debt collector about a year later to Jefferson Capital System. Jefferson Capital keeps updating it so it stays on my credit report. This debt is way about 10 years old. I have disputed this multiple times, yet it won't come off my credit. According to the FCRA " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old '' My credit report says that it was only opened 2 years ago, but it was about 10 years ago.
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| 09/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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My husband XXXX and became XXXX, making me unable to make payments. I asked for XXXX protection as well as asked about the XXXX XXXX XXXX. I inquired about the XXXX credit protection in place, as part of a payment. The company refused to look into any provisions in place for a military members family. This debt collection company has now bought the debt and has not validated it nor looked into these protections on the original account. They continue to report a negative balance of {$490.00}, despite me disputing and the ability to provide documentation. This is a shame to military members who become XXXX serving their country and debt buyers as such are the bottom of the barrel.
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| 04/23/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good afternoon, On several occasions I have made attempts to contact XXXX, XXXX and XXXX regarding this collection debt in question that I have no financial interest in nor does it belongs to me. Not once has Jefferson Capital sent me any kind of documentation nor has the credit bureaus. This negative debt is affecting my credit in more ways than one and all I ask the credit bureaus and collection agencies to do is their job. I am not responsible for this debt whatsoever as this debt belongs to my ex-husband and not me. Please do your job and remove this account for my credit report asap. Your attention to this matter is very much appreciative.
Jefferson Capital Systems-XXXX
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| 09/18/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Jefferson Capital Systems Debt Collecting Agency is refusing to validate alleged debts that I owe and can not provide sufficient evidence to me that I owe the debt but keeps falsely reporting the debt as valid on my credit report. They call multiple times a day and when I demand validation they talk in circles around me. I disputed the debt at each credit bureaus and each dispute comes back verified. XXXX provides a copy of the investigation and they Jefferson Capital Systems provided fees to XXXX and nothing more as their way of validating the debt. This is not sufficient evidence and they have damaged my credit for a long time and I want this off my credit report immediately.
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| 06/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.
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| 12/29/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX has reported a fraudulent collection account on my credit report without prior notice. XXXX XXXX XXXX account # XXXX claiming {$7800.00} was a result of Identity Theft and does not belong to me. I did not receive any communication from XXXX XXXX regarding this matter and no prior notice was made to me. I have provided copies of the police report and ID theft affidavit to the original creditor as well as the major credit bureaus and this item has been blocked as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX XXXX is in violation of of the Fair Debt Collection Practices Act Section 807-8 & ( FDCPA ) ( 15 USC 1692 et seq.
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| 08/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.
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| 08/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I never opened this account. I don't know what it is. It appears to be a charge card. If it is it was opened fraudulently in my name. If they have my social security number I do not know how they got it. They are listed on my credit report in two different accounts with the same balance. It seems very odd. It says it is an online marketing company and that I owe {$710.00}. It says it was opened in XX/XX/2015. I've never purchased or received merchandise from this company. This must be a fraudulent account. I would like the company to either prove it was me that opened this charge account or please have it removed from my credit report. As it is negatively affecting my credit.
|
| 03/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Today I got a letter from Jefferson Capitol about XXXX XXXX that said I owe them XXXX .... The letter was addressed to my old married name which I have been divorced 20 years and got my maiden name back and not gone by anything but my maiden name most of my adult life ... I have not even had a XXXX XXXX account ever in my adult life to my knowledge. I had a savings as a child 25 years ago with my grandma and thats all I ever had there ... I think this is a scam company or something because this isnt mine and if it is I was a child ... Im XXXX now ... I got divorced at XXXX, Im unclear how they would even know that name, but XXXX hasnt been my last name in over 20 years ...
|
| 10/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I had loan with XXXX XXXX. The collection lawfirm that broke the law and committed fraud is Jefferson capital systems. My social is. They claimed to serve judgement to me through my wife and thwy lied. I was XXXX from XXXX. To XX/XX/XXXX. They said they served me on XX/XX/XXXX. This is intentional fraud. My wife was not home and never talkes to any man at the home. She will testify in court. My full name is XXXX XXXX. My birthday is XXXXand the website you can confirm this at is XXXX in florida. This is a easy win for a lawyer. This company already has a classaction suit. Please provide lawyer who will prosecute. There is no other adult in my home they couls have talked to.
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| 01/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American, Servicemember |
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On or about XX/XX/XXXX I transfer my phone numbers from XXXX to XXXX. Before I did this I call many times telling them I was getting more drop calls than finish calls, They chose to do nothing to help the problem. They will not trouble shoot my phones. Due to my job I needed reliable service so I cancel with XXXX. So on XX/XX/XXXX over 3 years of canceling service there collection company Jefferson Capital System reported it to all 3 credit bureau. This should of been done 3 years ago. I am going to look into legal action on both XXXX and Jefferson Capital System if not removed from my credit recorder. Neither XXXX or Jefferson ever contacted me before they took this action!
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Someone signed up for multiple accounts on my name while I was XXXX and even has another social security number, my ID information as well.
-Jefferson Capital for XXXX XXXX The police report has been done and the account was removed from my credit report but its back.
Also, XXXX XXXX simple has been ruining my credit for years. Company sold me faulty merchandise, I returned it and it still has a negative mark on my credit report.
XXXX XXXX XXXX repeatedly reporting monthly on an account that has been closed and charged off. Theres no agreement.
XXXX XXXX Reports wrong account to credit bureau of choice . Account information not correct or on all 3 reporting agencies.
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| 02/08/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help.
It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service.
This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know.
Thank you for your time and assistance.
Sincerely,
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| 04/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2021 I received a letter dated XX/XX/XXXX attempting to collect a debt for a XXXX account. I have not held or owned a XXXX account. I have attempted to contact Jefferson Capital regarding this mailing however they are requesting my social security number which I will not provide as I have been a victim of fraud and know that this is the tactics of collection agencies to try and assign debt when you give them your social. I have previously disputed this account with XXXX along with other agencies by submitting a copy of the police report filed due to fraudulent activity against my social. This debt is not valid and they have failed to provide proof as requested.
|
| 03/18/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
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Hello I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX and has since reported as a collection account on my credit report. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX and Jefferson capital absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. I have been trying to get this removed for over a year and it is not being resolved.
I presently live at XXXX XXXX XXXX XXXX Ga.
The reporting agency is XXXX XXXX XXXX XXXX ACCT # XXXX XXXX is XXXX
|
| 02/21/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany
|
| 08/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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The phone service with XXXX was terminated by me several ( more than four ) years ago. I decided to go with another carrier. I left XXXX on good terms. A few years later I was contacted by a debt collector asking for payment. As we discussed the matter further, it was clear to me that the debt in question was not mine. As the representative shared the address connected to the debt in question, I came to realize the address was not mine ( and never had been mine ). I explained to the debt collector, that they obviously had the wrong person.
I thought the matter was over. It was not until I saw my XXXX XXXX account that I noticed that this issue was back. Very frustrating!
|
| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Never got a account with The creditor and stablish credit with or card or i was bill for it However, i was found out that a 3rd party collection company reported me late with a balance of {$97.00} Jeopardizing my ability to obtain credit somewhere else This a real violation of my consumer rights and fair credit act I called XXXX on XX/XX/XXXX @ XXXX and spoke with credit representative XXXX XXXX Who confirmed that I never had any credit or nay relationship with the creditor And even had different address shown on their data base confirming that person was NOT me Rep recommended to have a direct dispute with the 3rd party agency since the account was wrongfully Charged off
|
| 08/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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Date - XXXX / Amount - {$720.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S. Code 1681 ( b ) Permissible purpose / 15 U.S. Code C-2 / 15 U.S.Code 1681 for assertions/ Legal documents, Letters of Cease and DEsist / XXXX XXXX XXXX XXXX XXXX XXXX XXXX were sent and issued to XXXX XXXX, never received proper legal Notice of debt within XXXX days / Never was sent the name and address of Original creditor / Never sent statement informing me they were assuming the alleged debt to be mine / illegal third party debt company without my permission as an authorized to report alleged fraudulent negative debt to all XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
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| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that Jefferson Capital Systems , LLC was the debtor and the debt description was XXXX for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.
|
| 09/15/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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A Subsidiary to CL HOLDINGS LLC by the name of JXXXX XXXX XXXX , XXXX has placed a debt on my credit report. This report is inaccurate and I have attempted to contact XXXX XXXX XXXX for debt verification as they have never contacted me. They have never responded with information regarding this debt and have yet to remove this from my report. The account looks to be tied with XXXX XXXX. However, I have not had an account with XXXX XXXX since XXXX ( which I had closed with a balance of {$0.00} ). The report states this account was opened XX/XX/XXXX. XXXX XXXX XXXX seems reluctant to remove frivolous, unsubstantiated claims of debt and is damaging my credit without cause.
|
| 04/24/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX or XXXX ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
|
| 03/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
THIS COMPANY IS TRYING TO COLLECT A DEBT I DO NOT OWE. IN XXXX I DID NOT HAVE XXXX, I DID NOT PAY MY OWN BILLS BECAUSE THEY ARE PAID THROUGH COMPANY WHERE I WORK. I DONT EVEN HAVE THE PHONE UNDER MY NAME. ITS IMPOSSIBLE TO BE MINE. THEY HAVE FRAUDULENTLY PUT IT ON MY CREDIT REPORT, JEFFERSON CAPITAL SYSTEMS {$XXXX} {$540.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau.
Open Account # XXXX {$540.00} Balance XXXX Original Creditor {$540.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account.
Responsibility Collection account Remarks Note
|
| 09/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with XXXX and do not have a contract with Jefferson Capital. They have not provided me with the orginial application like I asked. On XX/XX/2018 ; Jefferson Capital began reporting a negative account balance on my credit reports for {$520.00}. I have asked that XXXX dispute this information and remove it from my report and they they have failed to do so. I have disputed the account information with the business and requested information related to this debt they claim I owe and I have not been provided anything that proves that I owe this debt. I have never did any business with Jefferson Capital and do not acknowledge owing them any money.
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX.I was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX XXXX XXXX XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX and XXXX XXXX but XXXX XXXX is not in charge of account Jefferson capital has it there a mix up on my credit report with XXXX it has XXXX XXXX as current account holder but they dont have it no more Jefferson capital has but never reported this is weird I have excellent credit this is killing me please help
|
| 08/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
okay this company bought an old account from XXXX XXXX XXXX XXXX on a car that I had 3 years ago. the car was picked up by XXXX because the was no longer running but I continued to make payments on it until XXXX of XXXX? the name of the company that's calling is Jefferson capital .I have not received any document from XXXX telling me what the car was sold for nor was I ever given a notice to bid on the car at an auction.to this date I have no documents or paper work from XXXX XXXX and the balance that Jefferson is asking for is over {$5.00} not even close because this car did not run.. it sat in front of my place for almost a year so please ask them to stop calling me..
|
| 08/16/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Jefferson Capital system sent me a letter saying I owe {$520.00} for a platinum MasterCard credit card. They refused to give me any other information from my phone call on XX/XX/21 other then it is a debt from XXXX XXXX. I have never had a credit card from XXXX XXXX. They immediately offered me a settlement amount of {$260.00}, but I then requested prof of dept. the representative stated that they can not provide me with that information. I then contact XXXX XXXX who let me know that there was an account using my name and SSN was opened several years ago but with a different address. They told me since it was already sent to collections there was nothing they could do.
|
| 02/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Jefferson Capital is reporting an account on my credit report that I have not received any communication from them about. The account is reporting with a company called XXXX XXXX. I have not received any documents or letters from Jefferson Capital about this account. The account just showed up on my credit report in XX/XX/2021. Now the company is calling me repeatedly. As far as I know Jefferson Capital was required to send a letter to me before reporting this account on my credit report so that I could have a chance to request validation. The company did not send me this letter. They have not sent me any letters. Nothing. This account should not be on my credit report.
|
| 12/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Every morning just after XXXX XXXX. I get a call from XXXX. Answered the call today and someone asked for a person I have never heard of. Because of their corrupt practices it may be someone in my neighborhood that they are trying to shame into paying a debt. A check of that number comes back to XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on the do not call list and would like to see these people pay for what they are doing. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. When I got to the end of this form it makes no sense, I am only harassed because they call my phone number. I owe no debt and so the questions on you form make not sense.
|
| 07/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. XXXX XXXX XXXX was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is Jefferson Capital Systems LLC. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. Jefferson Capital Systems LLC is in violation of statute of limitations. I am considering filing a lawsuit against Jefferson Capital Systems LLC for harassment.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act convergent account # Jefferson capital syst # XXXX XXXX XXXX XXXX # Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report.
The report records that Jefferson Capital Systems. I request that you provide the original documents for this information containing my appended signature and any other related information.
I am filing this complaint because I have never had any affliction with this company. I have never had phone service and I have been on my parents phone account since Ive had a phone. This account is hindering my credit score tremendously and it is very unfortunate because I have been trying to get it off my credit report for awhile now.
|
| 06/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I keep getting calls from XXXX. Today XX/XX/XXXX, at XXXX est I get a call asking for XXXX and saying I have a XXXX loan from XXXX from Indiana . This is incorrect. I never took out a loan. I told them if they have my number, they have my address to mail an itemized bill to me. He repeats an Indiana address that is not mine. I told him he has the wrong person, to which he gets annoyed and says " I gave you the information bc you said yes ''. I tell him that I never said Yes. Asked him to repeat the name and I hear a name XXXX. I think? I said that is the wrong person. He claims he will put me on a no call list but I'm not sure. He seemed like he was trying to scam me.
|
| 01/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to this agency XXXX XXXX XXXX for a contract to a item in their office # XXXX in the amount of {$14000.00} that they placed on my credit report due to no knowledge of what item is and i can not get a response. The only information i can get from them is that they are not working this item and a phone number to another agency that they said was working this item, i called the other number they gave me and that agency also said that their company is not working the item either, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX phone # XXXX is reported as a derogatory on my credit report please have them to provide me with the contract of this item.
|
| 12/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX XXXXXXXX XXXX XXXX PRE-ARBITRATION SETTLEMENT DEMAND To whom It may concern : PLEASE ACCEPT THIS LETTER AS NOTICE THAT YOU ARE IN VIOLATION OF THE ARBITRATION AGREEMENT SECTION OF THE CONTRACT BY SELLING THE ACCOUNT TO THE THIRD-PARTY DEBT COLLECTOR, IN PERTINENT PART ANY BECAUSE OF THE BINDING AGREEMENT. NO ARBITRATION PROCEEDINGS HAVE COMMENCED THEREBY RESULTING IN A MATERIAL BREACH OF THE TERMS OF THE ARBITRATION AGREEMENT.
I WISH TO SETTLE MATTER QUICKLY ON THE TERMS THAT YOU GET THE DEBT COLLECTOR TO DELETE THE INFORMATION FROM MY CREDIT REPORTS BECAUSE OF THE ILLEGAL ACTS.
Also I wish to be compensated in the amount of {$2500.00} for Damages.
|
| 10/28/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
In 2018 debt own with XXXX XXXX NOW ITS WITH COLLECT AGENCY JEFFERSON CAPITAL SYSTEM AT XXXX ... XXXX I was going through a divorce and I had this credit with XXXX XXXX and its was a XXXX limit and now with the fee its at XXXX I contact XXXX XXXX to inform them of my current substitution and the agent for XXXX XXXX could not help me they had forward my account to this agency I try to explain that the card with them was that I supposed to had protect its was provide with the card in case a customer card not paid and they agency said I was told it was to late for that program and to contact the collect agency but I don't have a account with JEFFERSON Capital System.
|
| 08/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements.
If XXXX is unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Sincerely, XXXX XXXX
|
| 11/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I would like for the XXXX XXXX XXXX to show proof of verification that I owe them {$94000.00}, {$2700.00}, {$420.00} my last 4 is XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.
In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
|
| 08/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX has been reporting my past due bill since 2008. This year marks the 7th year that is suppose to fall of my credit report. Collection agencies are buying collection debts that are 7 years older and putting them back on peoples credit file for another 7 years. This is causing me a great deal of stress when i know, they ca n't do this. Its being reported back on my credit file but under a collection agency not XXXX. XXXX deleted their account and jefferson put it back on when it was suppose to fall off this year. Not it restarts the 7 year thing all over again. This is not fair to the people, buy using this dirty tactic to keep it on peoples credit report forever.
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson capital systems Inc, attempting to collect a debt on behalf of XXXX XXXX XXXX. Amount " owed '' is {$560.00}. Account " opened '' XX/XX/2020. I never opened an account with this creditor, original creditor is " XXXX XXXX XXXX ''. I do not have any records of ever being an account owner with the original creditor. Would like to submit a complaint about both the collection agency and the original creditor. This is not a valid debt, therefore can not be collected. The collection agency needs to show proof of debt. If the debit is valid show me proof I was an account owner with the original creditor ( XXXXXXXX XXXX XXXX ) and have an outstanding debt please.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/2020 Jefferson Capital Systems added a derogatory mark on my credit report. Thi account was originally a medical bill which was paid by my insurance prior to the creditor selling it to a collection account. I am no longer responsible for the account. I have had many unsuccessful disputes with the credit bureaus in reference to this fraudulent account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
|
| 08/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a call from Jefferson Capital Systems, the agent asked me to verify my name. I told her if the call was an attempt to collect a debt to please communicate with me thru mail only. She hung up on me. I never received mail from this company and now the account is on my credit reports.
The account is listed as a collections debt with original creditor XXXX XXXX and I feel I was not given the opportunity verify the account as mines and I am not aware of the original creditor. This is why I asked the collection agency to contact me via mailbso I would have the information I needed to assure this debt is indeed mine.
The balance is showing at {$350.00}
|
| 02/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$11000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 04/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX put a collection - XX/XX/2019 Amount {$1400.00} I do not owe this debt nor know what it is. I called XXXX and they said they bought it from another collection agency whom I and removed the collection because the account was not mine.
Many collection agencies once they lose remove bureaus will sell to a new collection agency even if trying to collect unlawfully. The new agency then puts a collection on consumer regardless what result was. They pass it on to eachother.
This happened to me once on a XXXX XXXX {$100.00} collection that was my family members. It started w/XXXX then 3 diff collection agencies took it over even after I wont the dispute
|
| 09/10/2018 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid off my debt for : XXXX XXXX XXXX
JEFFERSON CAPITAL SYSTEMS LLC Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}.
Debt was supposed to be paid off and also supposed to be deleted off my credit report.
After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT.
I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL.
XXXX IS A ONE PERSON CONSENT STATE.
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 07/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 01/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
my credit report shows XXXX XXXX is collecting for XXXX in the amount of {$690.00} I contacted XXXX in XX/XX/XXXX to inquire about the unknown acct. was informed XXXX no longer owns it and is unable to access records.
I never had a XXXX account.. I contacted XXXX and requested verification, none has been provided, yet they continue to report the account. I need written proof to substantiate the existence of such account to file police report. I can prove that during the same alleged time frame I had phone service connected for years under my ex account through XXXX and never had my own. tired of being ignored. they have full knowledge they are violating the law.
|
| 02/17/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX I do not know the above names. This has shown up on my credit report. The only debt this could have been was XXXX XXXX from 2021. The debt at the time was under the credit limit of {$700.00}. I contacted XXXX because I was locked out of my account. They refused to grant me access to my account so that I could make a payment. I got a new phone and could only access the account through phone verification. I let the company know that I became XXXX and can not work. The company refused to work with XXXX XXXX XXXX. I have been paying all outstanding debt in payments to XXXX XXXX relief for the past 14 months.
|
| 12/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I agreed to try a product from XXXX that would give me information about the performance of my car. It was called XXXX. I tried it, and found that it was not giving me anything that I wasn't already getting from my car 's system. I returned the XXXX to a XXXX Store on XXXX XXXX XXXX, XXXX, FL. The employee at the store told me that they didn't take returns, and that they would take the $ 10 monthly charge off my account. I kept the XXXX for two years, and was never asked to return it ;, and, I never received another bill from XXXX.
I received a collection notice many months later. I informed the agency of the above, and never received another collection notice.
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXXI sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me.
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
|
| 04/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a phone call with Jefferson capital over this debt. They said that they would except a payment of XXXX and that they would then close the account and mark it as closed. They also said that they would remove it from my credit report. None of which has happened. They still continue to call and harass me. Send letters in the mail and argue with me about what has happened. This continues to hurt me in more than ways. It not only hurts my credit score which hurts me while trying to get a house and other loans but also they want more money than we had discussed. They have already gone back on their word and I do not trust them to keep it this time around either.
|
| 06/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named XXXX. XXXX claims that Jefferson Capital Systems , LLC is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX XXXX already dealing with enough mental health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!
|
| 10/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX submitting this CFPB Complaint once again to dispute the information you report on my Credit file. Once again, I was a victim of identity theft and I never made the charges and transactions with you Company. Under the Fair Credit Reporting Act, I am requesting that you remove the information in my Credit File that you are reporting. I believe I never signed a single contract and your willful non compliance with the Federal regulation is a clear violation of a consumer rights. I am requesting to you to please remove the account ; JEFFERSON CAPITAL SYSTEM XXXX Opened XXXX XXXX, 2021 Balance : {$620.00} ; that is appearing on my Credit File.
|
| 01/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I discovered a negative item on my credit karma from XXXX XXXX for a misunderstanding I thought was resolved They sent me to collections for and item that was never received for {$770.00} but I was given {$1000.00} credit They have on the XXXX XXXX my total credit was {$750.00} which is an error on their behalf They sold my false debt to Jefferson Capital An investigation was made and and in conclusion there was no judgement and it was charged off to XXXX but it is still on my credit report as a negative mark but this is all because of a mistake done by XXXX XXXX I would like this negative mark removed permanently from all my credit reports immediately please
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello : I am filing this complaint against Jefferson Capital Systems , LLC. They are a debt collection agency that is reporting on all three of my credit reports ( XXXX, XXXX and XXXX ) and they should not be.
I want them to delete their tradeline from all three of my credit reports immediately.
This account is closed and should not be reporting anymore.
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX This is a result of an old account with XXXX XXXX and it is closed and old and I think because of Jefferson Capital Systems , LLC it is reporting twice on my credit reports. Please remove this information from my credit reports immediately.
|
| 09/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or around XX/XX/2023, I received a debt collection letter from Jefferson Capital claiming that I owe {$6100.00} to the XXXX XXXX XXXX I then called the Jefferson Capital and I told them that I do not recognize such debt because I have never ever opened such an account with XXXX XXXX XXXX. I then checked XXXX XXXX on which I found that this account exists in my credit file. It was someone else who apparantly used my identity and opened this account. I would like the law enforcement initiate an investigation on this fraudulent account and I also request that the credit report agencies remove this account that does not belong to me.
Kind regards.
XXXX XXXX
|
| 12/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jeffersons Capital is reporting inaccurate information. This information is based off previous information that they have reported. I am requesting that they delete and remove said record due to inaccurate reporting. Per credit guidelines a debt collector must report accurate information. Jefferson capital has violated that order.
On XX/XX/XXXX the collection dropped off. However, as my records indicate Jefferson Capital went back and added debt onto my account as of XX/XX/XXXX.
That is in accurate as there previous records has never indicated an account as of XX/XX/XXXX and the account had dropped off.
I am requesting this account be deleted & removed.
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Jefferson Capital Systems , LLC, attempting to collect a debt of {$520.00} related to a XXXX Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. JCS has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.
|
| 11/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When i checked my credit as i often do, i saw that Jefferson Capital placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted Jefferson Capital demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly Jefferson Capital has not validated any contract that i consented or agreed to with their company. Jefferson Capital has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.
|
| 06/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Jefferson Capital Systems furnished an alleged debt on my Credit File. I requested debt validation along with my request for information outlining their right to collect a debt from me. Jefferson Capital Systems responded by providing information outlining a debt owed to an entire different entity along with a created document from themselves that ( says ) that they purchased a debt and I am liable. Jefferson Capital Systems failure to produce the purchase agreement and or quit claim, in which I specifically requested leads me to believe they are attempting to collect a debt under false pretense which is a violation of the Fair Debt Collection Practing Act.
|
| 06/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called Jefferson capital group llc. early in XXXX of 2019. They were hired by XXXX XXXX XXXX to collect a debt to settle the account. Before I paid to settle the account, I negotiated with the Jefferson capital group representative for them to provide me a letter stating the debt has been settled and to remove this item from my credit report. I spoke at length with jefferson capital group, and they will not stand behind their employee who told me that he would provide me the letter.
My credit report still shows the debt, and it has not been removed from my credit report as stated thus dragging my score down after I settled this debt. ( paid, satisfied ).
|
| 02/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The companies representative XXXX ( not sure of correct spelling ) contacted me today XX/XX/20 at XXXX XXXX and I advised the representative that they had the wrong number ( A tactic of my own I employed to stop receiving calls 4-5 times a day ). The representative stated that this was highly unlikely and asked if I could confirm the last 4 of my social with him and I said no but he could verify the ones he has on file with me so I could confirm or deny and the representative gave out the last 4 of my social without verifying who he was speaking with and I think that is that is ridiculous. This was a complete and direct violation of my rights and privacy.
|
| 06/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed!! Immediately
|
| 05/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report.
In XXXX, Jefferson Capital Systems acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. Jefferson Capital Systems applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.
|
| 10/03/2022 |
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
|
|
Web |
|
|
I haven't opened up any XXXX account in XX/XX/2021 this is fraud on my credit report. It shows that I owe an odd number of {$800.00} for the XXXX XXXX account which is incorrect. It has been deleted several times but always seems to come back. I have contacted the company Jefferson Capital System and they stated that the dates were changed for whatever reason. This is a living HORROR with this company. I need this deleted immediately. They have been reporting this misleading information for at least 10 years or more now through different companies. Please update this information for XXXX as well. Thanks for your prompt attention to this important matter.
|
| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern I'm reaching out because I need an issue resolved I have reached out by letter to all three credit bureaus for verification on all accounts on my reports. After receiving a response back saying all information was verified, after further research of my own I see that the incorrect information is still on my reports. I ask because my Credit reports has still been improperly handle that these account as I reported to the credit bureaus I'm unaware of the miss information and that it be deleted permanently. Thank you in advance. The following accounts of concern Jefferson capital Acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JEFFCAPSYS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : JEFFCAPSYS - Acct. No. XXXX
|
| 03/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below.
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.
15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.
*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
|
| 10/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company Jefferson capital slapped this account on my credit report without first sending a notice of my rights to dispute which is a violation of the fcra they also failed to validate this account just as the company before them that they bought this debt from failed to do so as well. That is a violation of the fdcpa..I called this company to have them remove this information because of these violations and they hung up in my face. This company is practicing illegally and I am ready to file a suit if this account is not removed from my credit file immediately. They will be fined for each violation if they continue to report this false information.
|
| 10/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company Jefferson capital slapped this account on my credit report without first sending a notice of my rights to dispute which is a violation of the fcra they also failed to validate this account just as the company before them that they bought this debt from failed to do so as well. That is a violation of the fdcpa..I called this company to have them remove this information because of these violations and they hung up in my face. This company is practicing illegally and I am ready to file a suit if this account is not removed from my credit file immediately!!! They will be fined for each violation if they continue to report this invalid account.
|
| 09/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX I received an email from XXXX XXXX saying I had a collection on my XXXX account. I disputed it saying " this does not belong to me. '' It says the collection is from Jefferson Capital System and the original creditor was XXXX XXXX XXXX. I am on someone else 's XXXX plan and have been for many years. I paid my debt in full to XXXX when I had my own account. It says this account has been open since XX/XX/XXXX and is open now. I haven't opened an account with them and this is the first I've heard about this account. XXXX XXXX said they reviewed the claim and found that this is legitimate. I don't know what to do now since I didn't open this.
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I do not have knowledge of this debt. I have disputed the debt with the 3 credit bureaus at least 3 times, requesting proof that the debt is mine and or removal from my credit report.
The collection agency is claiming a debt with XXXX XXXX, saying the account is recent, however ; I have been with XXXX XXXX and/or XXXX for >15 years.
I called and requested proof of a contract or something I signed or agreed to. The collection agency sent me a document to report " identity theft '', and to provide a police report which is no applicable, as I did not have a XXXX account in my name, was not aware of the account, so no police report would be available.
|
| 09/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2019 Jefferson Capital Systems notified me of a debt of {$990.00} and XXXX XXXX XXXX notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus.
I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with Jefferson Capital Systems and XXXX XXXX XXXX. No Such validations have been performed.
These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.
|
| 02/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Jefferson Capital has been told numerous times not to call me and I'm on the do not call list but they still call me multiple times a week. I've had to block their number but they still keep calling. Below are some dates and times from the past month, listed most recent to oldest.
Today ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every few months, they suddenly blow up my phone, stop for a month or XXXX, and then call constantly again. They have been told several times to stop calling and they still keep calling.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Jefferson capital has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, Jefferson capital sold it to another collecting agency XXXX XXXX who is now the owner of the account. Well, Jefferson capital is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from Jefferson capital that this debt is verified as mine and they did not respond within 30 days. Its been 5 months.
|
| 06/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is an account that was reported on my XXXX credit report for XXXX XXXX. This account was opened on XX/XX/2016. I have disputed this charge multiple times as we do not owe this false charge, however the charge continues to re-appear on my credit report. This charge has been bought out by several different agencies. XXXX XXXX was not authorized to charge me and all balances were paid in full upon closing our account with XXXX. We have contacted XXXX XXXX several times attempting to settle this matter directly with them but XXXX refuses to make any changes. I will go to all measures necessary to ensure this is made right and the charge is dropped.
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX I disputed account Jefferson capital for the amount of {$840.00} stating as date open XX/XX/XXXX because I do not recall having this account open. I have disputed asking to verify debt or delete immediately. Credit report shows that account has been disputed, but I have not been notified that account investigation has started nor have I received any sort of documents stating that account has been verified as mine. I have not heard back from bureaus or creditor. This account is not mine. For that reason I have asked to verify or delete immediately. More than 30 days have passed, and I have not heard back from anyone regarding this account.
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To whom it may concern, Jefferson Capital Systems did not notify me that they are now collecting an alleged debt on behalf of XXXX for the amount of {$330.00}. This is violating the credit reporting laws.
I want to be provided proof of this alleged item by Jefferson Capital Systems, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible.
Under federal law, Jefferson Capital Systems have 30 days to respond.
Thank you and I sincerely look forward to your response.
Sincerely, XXXX XXXX Account Name : Jefferson Capital Systems on behalf of XXXX Amount : {$330.00}
|
| 11/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been contacted and threatened by Jefferson Capital Systems twice about a debt from 2017 on a XXXX debit card account. I had paid the debt years ago, and confirmed that by calling XXXX directly to ensure that they had record of the debt being paid, which they did confirm. They said that there was not a balance. This is the second seperate time that XXXX has attempted to collect the debt after it was paid. The first time was a few years ago, and I provided the payment details that XXXX had confirmed. They continued to harass me but after I told them I would report it, they stopped. Now they are doing it again, by USPS and also now by telephone.
|
| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There is an account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX on XX/XX/, by telephone at XXXX and spoke with a customer service rep named XXXX XXXX. He advised that he didn't have any information matching my name, address or social security number and that he was going to submit an account resolution update to get the information stopped from being reported. I have sent a letter to the credit bureau requesting the information to be removed or updated certified letter return receipt XXXX. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports.
|
| 09/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson Capital Systems sent me a payment offers letter dated XX/XX/, which I received on XX/XX/. This is the first notification I received from this company about an account that I supposedly owe. The company did NOT send me a validation letter/notice prior to this payment offers letter. I received no communication from this company prior to the payment offers letter. This is illegal. The company is required by law to send a validation letter first, before attempting to collect. This was absolutely not done. The company can not collect this debt, can not report this account to any credit reporting agencies and must cease all collection attempts.
|
| 11/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Captial System has placed an account on my tradeline that does not belong to me. I have asked that they validate the debt, provide signed agreements, provide documentation that they own the debt and they have failed to comply. They have harassed me and caused me personal injury with their illegal collection 's tactics. I have also found that they are not licensed to collect any debt in my forum state.
Account number ( listed on my credit report XXXX Amount XXXX Date on credit report XX/XX/22 ( account have been re-aged for a few years Jefferson Captial ) This company has violated several federal laws and I demand that something be done.
|
| 01/10/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 10/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from them saying that this account is removed for all three credit Bureaus
|
| 06/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This debt keeps being reported even though I did not open this account in XXXX as it says in the credit report. I closed my account with XXXX in XXXX and paid the bill off in full with a check from XXXX XXXX XXXX.
First off, this debt should be removed immediately because it is not my debt as I did not open this account.
Second, it should be closed because even though I have known this is not my account I was so scared of getting bad credit that I actually paid the balance in full to XXXX XXXX before XXXX because I was getting harrassed by them.
There is no way this should be on my account still and there is either fraud or innaccuracy here.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have items on my credit report that does not belong to me, that has been on my credit for almost two in a half years. Jefferson Capital in the amount of {$3100.00} for XXXX XXXX. Ive never had any XXXX accounts. Ive also requested the original signatures, and documents from when I first signed these documents. Company never send me these documents showing that these items belong to me. I have requested these items to be removed, but after time and time nothing has happened. I have sent in disputes, 601 letters and nothing has been removed. Iv reached out to all credit bureaus and nothing has been done. I wont this item removed off of my credit.
|
| 10/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score.
This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.
|
| 02/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I transferred cell phone services and equipment to two other XXXX customers around XX/XX/XXXX. XXXX did transfer the services but around the Summer of XXXX, they charged me for equipment in the amount of {$490.00} and {$1700.00}. I explained to XXXX and they agreed the account was transferred to XXXX XXXX and XXXX XXXX.
As of today, the amount for {$490.00} has been sent to a collection company XXXX XXXX that has placed that amount on my credit as the ONLY derogatory debt. The other charge of {$1700.00} is showing late on my credit report from XXXX. I have disputed these charges with the credit bureaus and they reappear. I need immediate help.
|
| 01/26/2022 |
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
|
|
Web |
|
|
Jefferson Capital Systems LLC They continue to renew the date on the debt in question.
The latest date renewed on XX/XX/2022 from a previous date.
This keeps bringing my credit score down every time they change the date to a newer one.
I have disputed the validity of the debt and have requested any documentation of Oral agreement, Written contract, Promissory note or Open-ended accounts.
They have not responded to my emails or written letters requesting documentation.
I have also requested for them to remove the debt in question from my credit report, which has obviously not happened.
They claim that I have an open balance of {$1500.00}
|
| 04/12/2019 |
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
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt.
I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not.
Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
|
| 08/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, XXXX XXXX XXXX and onXX/XX/2020 JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX and XXXX.
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 09/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection account from JEFFERSON CAPITAL SY on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
According to all three major credit reporting agencies I noticed Jefferson Capital Systems , LLC reporting inaccurate account, witch claims I allegedly owe to this company. The Collector must make all required disclosures clearly and conspicuously in writing by sending this information you are violating Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce. As per section ( b ) Duties of furnishes of information upon notice of dispute. failure to prove validity must be removed immediately
|
| 04/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed this account when it was reported on my credit report. I asked for validation of the account with the company. All I was given was the original creditors name. This company has been reporting to the credit bureaus monthly with payment updates or lack there of like I am in agreement with them to make payments. They have also recently updated the balance on the debt to include about another {$300.00} that I also do not owe. The company removed the balance and then updated the next month with the same balance that I disputed. I was not given a written notice that this debt was being collected upon or that the balance had even changed.
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX sold a debt to Jefferson Capital Systems and claims I owe {XXXX}. This debt is not valid and I have disputed it numerous times with no success. I never had any phone account with any company or XXXX XXXX in XXXX. After XXXX I was only on friends accounts for my phone for my safety. Im in the address confidentiality program and any account would have had to have occurred before XXXX. If they are referring to an account back in XXXX that debt is now not collectible because it would be past 7 years ago. I am very adamant that this is illegal debt collection, and invalid and not my debt. I did not have an account with XXXX XXXX in XXXX.
|
| 03/22/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with XXXX including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze on my report.
|
| 11/09/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have XXXX bill for XXXX I was contacted by XXXX-Jefferson Capital and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid.
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment.
I made a payment on XX/XX/2019 and XX/XX/2019.
I just got a notice from XXXX that this is still reporting in collection and nothing has been paid on it and balance is still XXXX.
I upheld my part of this arrangement. I am making the payments. Jefferson and XXXX are not upholding their part of the agreement.
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this debt directly with XXXX back in XXXX or XXXX. I accepted a settlement offer from them and legally paid in full for less than due. The account has been reporting as closed " legally paid in full for less than balance due '' on my credit report since XX/XX/XXXX. I have attached snapshots of my report below, showing it being reported as closed & paid. On XX/XX/XXXX I receive an alert from XXXX that a new collection is being reported under my name. I log on to XXXX to view the account, and see it is being reported as a collection account under XXXX XXXX XXXX for the original amount {$2900.00}, which has already been settled with XXXX.
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received multiple letters from Jefferson Capital Systems stating they are attempting to collect a debt for XXXX XXXX. I have made several attempts to contact the company to inform them the account is not mine and was opened with my stole personal information. My credit report states the account was originally reported on XXXX XXXX, 2017 in the amount of {$620.00} and I have had a different cellular phone carrier for over 5 years. I have also emailed the company filing a complaint with them so that they can send some kind of verification that the account was actually opened by myself but again no response has been sent from the company.
|
| 02/27/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The XXXX sold my account. In court filings with the XXXX County Superior Court, the listing for the Debt is XXXX The Debt Collection Agency failed to list themselves as the Plaintiff in the Service Notification. The Agency that if behind the lawsuit has a contact with XXXX. Please investigate this issue for me because they are set to garnish my wages after the Judge signs the Default. The Warrant said XXXX but the court document does not list any XXXX, it list XXXX. The XXXX County Sheriff Delivered the Warrant to me. Also, I am facing a decision by a judge without seeing that Jefferson Capital Systems , LLC formally served me with a warrant.
|
| 11/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX account opened on XXXX XXXX2023 from Jefferson Capital System with original creditor XXXX XXXX. I disputed it with XXXX discussing I never opened a XXXX and has been with XXXX XXXX XXXX for 10 years now. I have never missed payment with XXXX XXXX XXXX and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my XXXX loans and credit card payments and to have a debt that is mine is heart breaking.
|
| 05/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hi there, My husband and I applied for a home loan and unfortunately my credit came back poor due to a collections account from Jefferson Capital Systems. We have not been given enough information to know whether or not the debt is real or how to verify the details of the debt itself from Jefferson Capital Systems or XXXX, who apparently was the original debtor.
The details fo the debt are below : Jefferson Capital Systems - Opened XX/XX/18 - Balance {$560.00} - Origination XXXX XXXX I am requesting a debt verification from Jefferson Capital Systems as my husband and I do not understand where this collections trade line came from.
Thanks
|
| 06/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan! BOTH are FDCPA violations!
Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me.
I called and asked for verification and proof that I was sent notification regarding this alleged debt and they were unwilling or couldnt verify it. I told them it was within my rights and was a FDCPA violation and XXXX said they didnt have to notify me or send me anything.
|
| 07/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.
|
| 12/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
jefferson capital keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor XXXX XXXX XXXX and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point.
JCS Reference number XXXX account number XXXX
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Someone duped XXXX XXXX out of {$3400.00} I will presume using my SSN or other identifying information. Although I have contacted XXXX XXXX and the collection company they sold the debt too the issue remains. I have not ( and never will ) ever been a customer of XXXX XXXX. There is 0 % chance they have any documentation with my valid signature authorizing this debt. I tried to go through XXXX and they " verified '' the debt. How exactly? Like I stated I have never opened an account with XXXX and I am 100 % certain that my information was used illegally. This should be XXXX 's problem not mine. They gave away {$3400.00} to a criminal not me.
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Jefferson Capital would non stop call in regards to a disputed debt that occurred with XXXX XXXX over 2 years ago.I told XXXX I was going on XXXX overseas and to put a hold on my account. XXXX never put a hold on my account and immediately threw it into collections while I was XXXX. They damaged my credit and refused to correct it even though it was a violation of the Servicemember Civil Relief Act. Eventually the credit bureaus dropped XXXX derogatory notes after disputing them. Now XXXX ofXX/XX/XXXX Jefferson Capital decided to pick up this debt and won't stop calling me and hit my credit every month with a derogatory remark of past due.
|
| 04/20/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I went to cancel service with XXXX, I was not under a contract. THey ( XXXX ) told me I would have to pay the amount I owed still on the phone. This was fine with me. About a month later ( XX/XX/2015 ) i started getting calls from XXXX, stating that I owed over {$1000.00} dollars due to early termination of my contract. I went to the store to ask them to show me the contract that i signed, but they could not show me one ( because one doesnt exist ) Now 3 years later im getting collection calls for {$1300.00} from XXXX. I reached out to XXXX repetitively to try and get this solved with no luck. I tried disputing the collection with no luck.
|
| 05/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Jefferson Capital appeared as on my reports today. XXXX XXXX was reported back in 2021 as a Fraud account and removed from my credit reports. Today Jefferson Capital placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in 2021. Jefferson Capital has 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent.
It is a Violation of Fair Debt collection practice act to collect on a debt that has been previously reported as fraudulent.
|
| 01/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Okay I have 3 problems which all of them i have no knowledge of this accounts.
i have never opened any of this accounts, and i told them many times i just ca n't provide evidence that this are not my accounts i have never been there or open accounts, i never gave any one permission to open accounts on all of this 3 places because of them my credit score been ruined, they ruined my life i just ca n't get rid of this collections, This all 3 accounts place a collection on 3 credit bureaus.
Original Creditor : XXXX XXXX XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX date-XX/XX/XXXX balance- {$3100.00}
|
| 04/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson capital has a n item on my credit report that I just discovered today for XXXX XXXX . I have never had XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either Jefferson n or XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.
|
| 01/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The account is not my account and I have never had any business with XXXX XXXX XXXX or Jefferson Capital System.
I sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
|
| 10/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I was contacted by a phone number at XXXX on Thursday XX/XX/2018. I returned the phone call to see what it is in regards to, the represenative asked if I was a particular party in which I told them I was not. I told the individual that I did not know who this person was and to stop contacting me. The mentioned that " this is an attempt to collect a debt and we will use any information to do so '' or something along the lines of that. Presumably this is a debt colector calling me about someone else 's debt in which I have no correlation to. After I mentioned to stop calling, more frequent calls came in, violating my rights as an American.
|
| 06/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This is now my XXXX complaint with this creditor. The original creditor on this account is XXXX XXXX XXXX XXXX . However this account was sold off to Jefferson Capita in XXXX XXXX. Jefferson capital has admitted in their response that they're the current creditor and head creditor of the account. They also admitted in the letter that they started reporting on the account in XX/XX/2023. They're not aloud to report on my credit with it being a sold off account and report them selves as the head of the account and report on my credit. It is illegal to do so. Id like this account fully closed and taken off all XXXX of my credit bureau files
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN 2018 THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXXXXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO JEFFERSON CAPITAL SYSTEM AMOUNT XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Jefferson Capital Systems is claiming a debt of {$550.00} which was settled directly with XXXX and XXXX XXXX XX/XX/2013 ( Can provide letters and certificate of mailings ). I have writen to Jefferson Capital Systems under the Fair Debt Collection Practices Act, Section 809 ( b ) and they still are telling the Credit Agencies that the debt is valid although they have failed to verify the debt, specifically : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Provide a verification or copy of any judgment ( if applicable ) ; 4. Proof that you are licensed to collect debts in ( insert name of your state )
|
| 08/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.
|
| 06/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is collection account is for XXXX XXXX which I do not owe. This account was removed from my credit report before but put back on it with out my knowledge. I do not owe XXXX it was disputed and removed from credit report then put back on.
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$570.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
|
| 12/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have disputed this account at the credit bureaus several times over the last 6 months for them to verify this account and show me proof of my signature and that this is a valid account. I do not even know what this account is. I have also sent out 2 certified letters directly to Jefferson capital over that last 6 months to verify my responsibility and send proof this is my account and that they have the right to collect on it, They have not responded to any of my request and are in violation of the FCRA as well the FDCPA. This has caused me issues obtaining credit and is incorrectly affecting my credit and my ability to obtain a job.
|
| 11/30/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2019 Jefferson Capital Systems levied my bank account for {$6000.00}. There was no payment arrangement accepted. I offered to pay on a debt that was very old and beyond the statute of limitations in my state of Ohio.
The debt was clearly time barred and yet the company was rude over the phone, mean when I asked questions about the debt and unwilling to work with me on payment arrangements.
The company now is not picking up the phone when I call and the attorney XXXX XXXX is not returning my calls to discuss the matter.
This company is not abiding by the law and needs to be stopped much like XXXX XXXX had to be years ago.
|
| 08/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX sold to Jefferson Capital System for collection.
Date Opened XX/XX/2022 with Jefferson Capital System {$250.00} Account Number ( s ) : XXXX {$420.00} Account Number ( s ) : XXXX {$600.00} Account Number ( s ) : XXXX This debt has been disputed multiple times and they continue to resale this same debt and accounts to new collections agencies. This is fraudulent account and they are attached to the police report for identity theft but the collection agency keep selling the debt to new agencies. I have directly disputed these same three accounts with the creditors and other agenies but this debt keep showing up on my credit report.
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
3 Accounts on my Credit Report have been reported by Jefferson Capital Systems. They knowingly purchased 3 accounts from XXXX XXXX that are from XXXX and reported to 3 major Credit Bureaus that they are opened in XX/XX/XXXX. This new activity has caused harm to my credit because it is considered new collections based of the date that they have reported. I do not own any accounts opened from Jefferson Capital Systems that were opened in XXXX. I have not opened any credit with any financial companies in XXXX from XXXX.
Please remove these accounts because they are inaccurate. Inaccurate information does Not belong in my credit report.
|
| 08/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I disputed an account with XXXX XXXX in XX/XX/. I asked for debt validation and verification. The company responded by saying this debt was sold to Jefferson capital system who never responded to me. I asked for debt validation and verification and they did not respond. It has surpassed their 30 days in dispute. I do not owe this debt it does not belong to me. Looking at the 3b credit report you will notice several inaccuracies with this reporting. This information is inaccurate, untrue, not complete, no whole. The information is inconsistent and does not belong to me. Please stop selling this debt and delete from my report thank you
|
| 09/14/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Jefferson Capital systems bought a debt from a company that tried to place something on my credit report after being unsuccessful they sold the debt to Jefferson Capital systems. The original debt came from a company by the name of XXXX XXXX XXXX once XXXX XXXX XXXX was removed from my credit report XXXX XXXX sold the debt. I owe no money to XXXX XXXX, Jefferson Capital systems or XXXX XXXX XXXX. I've reached out to the country several times for them to show me all documents pertaining to this debt. I still have not received anything showing that I am responsible except for them reporting this information on my credit report falsely.
|
| 05/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
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 an account without my written instructions.
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I do not have a contract with ) Jefferson Capital SYST ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX
|
| 01/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried several times to reach out to Jefferson Capital Sys regarding account # XXXX listed on my credit report. I have sent certified letters to them in XX/XX/XXXX as well as XX/XX/XXXX. I have also made multiple phone calls throughout XXXX requesting for this debt to be validated. I have never received any communication from them regarding this debt or how it can even be disputed. It just showed up on my credit report. If Jefferson Capital can not or refuse to provide me with the requested validation then they must remove this negative information from ALL credit reporting bureaus including XXXX, XXXX, and XXXX immediately.
|
| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have a debt collection attempt from Jefferson Capital System that was opened XX/XX/XXXX. The debt was originally to XXXX XXXX, the issue with this debt is that I had cancelled my plan with XXXX XXXX due to my military XXXX prior to XX/XX/XXXX as that is the year that I was discharged from the military, I was unable to continue the contract, I provided my XXXX to the XXXX XXXX store located near XXXX XXXX, NC where I was stationed and was promised that it was taken care of. The original phone contract was from 7-8 years ago and XXXX XXXX is unwilling to give me information about the contract or anything about the original debt.
|
| 10/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX has made several calls to collect a debt - I have asked multiple times to send back up for this debt. They stated on phone we don't have that but I will send you a demand letter and you can pay from that. NO - I want the actual back up that makes up {$2000.00}. Told me to put in writing so I sent a letter ( with the account number they gave me. ) Letter is attached I rec 'd a letter back from them they could not verify the debt. ( attached ) which is asking again for account number/social/copy of credit line ( ATTACHED ) this is a big run around, asked not to call me and remove from report if they can not produce back up.
|
| 03/26/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.
|
| 09/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account.
XXXX XXXX XXXX Date opened XX/XX/ Status Collection account. {$880.00} past due as of XXXX XXXX
Status updated XX/XX/ Balance {$880.00} Balance updated XX/XX/ XXXX XXXX Original creditor XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment
|
| 08/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notification from XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit.
XXXX XXXX XXXX reported a fraudulent XXXX XXXX account that was already removed from XXXX in XX/XX/XXXX. This action violates the the Fair Credit Reporting Act [ 15 U.S.C. 1681 ].
Additionally XXXX XXXX XXXX did not send a written notification. This action violates the Federal Validation Notice [ 15 U.S. Code 1692 ].
On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law.
Therefore I have submitted this complaint for investigation.
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called a credit card company XXXX credit it was placed on my report for {$450.00} Ive never applied for a card with this company so I called the company and ask them to remove it they told me I didnt exist in the system yet Im on there on my credit report of called again and they gave me a phone number to contact that number was a fraudulent email address I tried to call attempted to call back and try to rectify the situation I just dont wan na be charge for something that I didnt apply for nor did I use they told me that no I dont have no information in the system and Im just trying to get this removed from my credit report
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nun # ), has violated several of my rights.
XXXX5 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX sold this account to Jefferson Capital after I returned merchandise to them that did not work within 30 days. When Jefferson Capital started trying to collect, I disputed in 30 days of thr notice. Several years later they would call and then on their last call they advised that they could not collect on it anymore because of the age. I am not getting collection calls from XXXX XXXX they are advising that they are collecting on behalf of JEFFERSON CAPITAL who is listed as a company I had service with. XXXX had not sent me a collection letter and when they call, they did not want to advise where they were calling from
|
| 03/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2019 there were three fraudulent charges made on my XXXX account. The amounts were XXXX AUD, XXXX AUD, and XXXX AUD. The merchant was : XXXX XXXX XXXX XXXX And the charge says XXXX Ride Payment for all XXXX. I immediately reported these charges as fraudulent activity and they came back and said they were accurate charges. HOW??? I don't even live in XXXX. I am not completely locked out of my XXXX account so XXXX cant even log in to screenshot the original dispute. And Now Jefferson Capital Systems LLC is trying to collect this money from me, claiming it is my debt!! No it is not. It was fraud and I reported it as so.
|
| 11/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was sent a letter in the mail by Jefferson Capital concerning a debt originally from XXXX XXXX XXXX XXXX. Upon further research this account was transferred/sold to Jefferson Capital and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
|
| 01/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 12/29/2022 |
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
|
|
Web |
|
|
Jefferson Capital System XXXX XXXX {$2300.00} Shows this account was opened in XXXX of XXXX and that is incorrect this account is old and dated back to XXXX. The amount is also incorrect. I have disputed this with XXXX as well as Jefferson Capital and no action is being taken. This should no longer be on my credit account. I at XXXX point got a response that information was correct I has submitted but was never removed from my credit report.
XXXX XXXX XXXX Bank XXXX {$460.00} This account also has in correct dates and is too old to be on my account I have filed several disputes with nothing being done nor even a response.
|
| 10/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection was incorrectly sent to Jefferson Capital Systems from XXXX after XXXX had agreed to nullify my contract after I moved to a location where XXXX did not provide service. Jefferson Capital aggressively and repeatedly contacted me asking me to pay this debt when I explained to them that it was not valid ( according to XXXX 's own contract ). The last time I spoke with Jefferson Capital, I offered a resolution which they refused. Now they are reporting this account to the credit agencies and using it as leverage against me. I am very disturbed by their lack of reason in this matter and now it is unjustly affecting me.
|
| 05/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I actually have multiple issues with a debt buyer who has bought 3 very old accounts of mine, the agency has left messages threatening to turn information over to the police, and to meet me on the courthouse steps. However, my biggest issue is them reporting false information to the credit bureaus. They have bought old debt that was under dispute and have listed it as a recent delinquency. I have contacted all three agencies to dispute the dates and all three have informed me that XXXX XXXX XXXX is showing it as new debt and delinquency. XXXX XXXX refuses to correct it and says they are allowed to do this to force me to pay.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There was a charge of {$430.00} that came onto my credit report from Jefferson Capital Systems. My social security was compromised and someone made an account and charged that amount to XXXX which is a buy now, pay later company. I was not able to see this on my credit report until very recently when I got an alert from XXXXXXXX XXXX My payments are always made on time so this was shocking for me. I have spoken and worked with XXXX - XXXX XXXX - Restoration Specialist to resolve this matter. We have called Jefferson Capital Systems to report fraud/identity theft. My case number with XXXX XXXX XXXX XXXX is # XXXX. Thank you.
|
| 04/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2019, I opened a business phone account with XXXX. In XX/XX/2019, I canceled it. XXXX did not shut it off and it continued to accrue debt for 3 months in the amount of XXXX dollars. I was notified this year by Jefferson Capital group that I owed this money. They are a 3rd party debt collector. After speaking to 15 people at XXXX, I was told there was nothing they could do to help me prove it wasnt my debt as it had already been sold off. Even though they admitted I never should have been charged and it wasnt my debt. Now Jefferson capital is affecting my credit trying to collect this debt that I legally do not owe.
|
| 01/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX had made an error on a mobile phone account, billing me for over a year as XXXX phones and XXXX mobile lines, when i only owned XXXX phone and XXXX mobile line. They admitted fault and said it was an issue on their end, and stated I don't need to worry about the false charge and it would be taken care of after over XXXX hours of customer service calls trying to get to the bottom of it. Then they sent it to collections with these Jefferson capital folks apparently, instead of covering their wrongdoing. Now the Jefferson capital folks are wrongly reporting a debt on my credit report. This started over 5 maybe 6 years ago
|
| 09/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I financed a vehicle which had major mechanical issues I was unawre off shortly after my original purchase. I attempted multiple times to switch out the vehicle with the dealer but I was denied every time and told that i had to deal with the vehicle I purchased on my own. now since I no longer have the vehicle it is extremely hard for me to obtain a new vehicle because I have a repossesion reporting on my credit due to a situiation I was falsely lead into and mistreate. Please help me remove this account from my credit so I can obtain a new vehicle which will help me and my family improve our standars of living tremendously
|
| 10/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have an old account with XXXX in which I owe {$1500.00}. I previously listed a person who I was dating as a reference. I'm no longer with the person and want no contact. I started receiving letters in the mail thanking me for my payments. I assumed it was in error. However, they discussed the amount I owed along with other personal information they had no right discussing with this person. They allowed him to set up recurring payments. This was a direct violation of my rights and I've already contacted my attorney. I have proof from my ex boyfriend and printed documents of the transactions drafted from his bank account.
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 02/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX under a collection agency of Jefferson Capital are reporting to my credit for {$300.00}. Time and time again I have reached out to this company and disputed. I asked the original company to show me proof of debt not using automated machines and this has not happened. I have disputed in emails that Jefferson Capital has sent me again asking for validation, proof that I owe this debt and I have not received this. No one is providing me with legitimate proof just responding yes you owe. This is against the law. And if we can not get this taken care of I will have to pursue this legally my rights are being violated
|
| 02/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 08/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 07/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 05/03/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.
|
| 09/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Jefferson Capital has listed a collection account on my consumer reports and damaging my credit / credit score. I have never done business with this company. Company claims that I owe them money in the amount of {$450.00}. Jefferson Capital sent sent me the attached offering payment options of charges owed to another company. Jefferson Capital has not provided any contract or assignment to which they are a party to. I have disputed with the company. They have damaged my consumer reports, by reporting this inaccurate, false information. I have submitted a report to identity theft.gov with these facts and attached herein.
|
| 06/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital Systems is a scam and is a company based in XXXX. They are trying to say I owe them {$410.00} for XXXX XXXX phone service - a company that Ive never dealt with. There are no stores by me and I have never even been in one. Im not sure how theyre doing this but the debt is not legit. All of the complaints say that they scam people in this way frequently. And their debts always have to do with cellphone service companies. Their sister company XXXX XXXX XXXX does the same thing. That is strange. The debt is ruining my credit and the company is not doing anything to remove it. This cant be legal ... can it?
|
| 04/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
It was 2013 when I required the service from XXXX. I had two phones and from the conversation with the customer service representative I was lead to believe that my service would be under data management meaning if the data get low it automatically stops until the renewal of data and for some odd reason the bill was very excessive amount and they dropped the ball and wanted me to pay for the mistake. Even though there was inconvenience on there end tried to charge me a {$300.00} cancellation fee. I am all around flabbergasted and would like to have this resolved and remove from credit because it's hindering my progress.
|
| 02/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ). ( See Federal Trade Commission v. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case 1:08-CV-BBM-RGV, N.D. Ga. , 2008. ) As it pertains to my credit report, I do not have a contract or a written agreement with XXXX XXXX XXXX. They are unable to provide a contract binding me to an agreement and this account should be removed from all three of my credit reports immediately.
|
| 10/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Jefferson Capital System is the company that served me at my home on XX/XX/XXXX for the amount of XXXX. I have asked the company to provide the original sale contract allowing with my signatures or any supporting documents via postal mail. I was in a car accident in XX/XX/XXXX. The car was total out and my lawyers paid this debt in full on my behalf. I have since purchased a car from XXXX XXXX XXXX and have paid the second car off. I have paid some much into this company that I received a check back from the second payoff purchase. This company has damaged my credit by reporting this mistake and incorrect information.
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX has tried to collect this debt for over 2 years. I have disputed it each and every time. XXXX was unable to provide the necessary documentation to validate this debt. As a result they did not respond my original request for debt validation and I received an apology and a letter ( via cfpb ) stating that they did in not validate the request. That they would stop pursuing this. This is just more harassments from XXXX and Jefferson Capital in regards to this matter. I plan on also filing a complaint with the FCC. Attached you will find my original CFPB complaint with an apology from XXXX debt collection department.
|
| 01/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to XXXX that the debt was not mine, XXXX agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, Jefferson Capital - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.
|
| 10/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have already paid XXXX directly for this bill owed yet the collection agency - Jefferson Capital Systems is trying to bill me for the same debt. I have disputed with all three credit bureaus and this company has sent the following response and remains on my credit report : Consumer disputes this account information : Account information disputed by consumer, meets FCRA requirements Collection account Original Creditor Name XXXX XXXX Amount {$150.00} Why is the collection agency informing the credit bureaus that this debt meets FCRA requirements when I have already paid XXXX directly and this debt is not even owed?
|
| 11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued and the debt is on my credit report and negatively affecting my credit.
The company is Jefferson Capital Systems Amount : XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
|
| 01/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Jefferson Capital called my work place and discussed my personal matter to an employee there. The person on the phone from Jefferson Capital told the employee that its a personal matter of Debt owed and that I must get on the phone. The person on the other line was threatening and extremely aggressive with my co-worker. I was out to lunch and my co-worker was just trying to take a message. This company would n't give them a call back number or anyone to reach them, they said that they would call back. Jefferson Capital seems like they are part of a scam that bullies people into paying them for debt they do n't have.
|
| 05/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I recently applied for a mortgage loan and was denied due to a recent collection on my account. I pulled my credit report to find a new collection was added from a company called Jefferson Capital System. This debt is showing as opened XX/XX/XXXX for the amount of {$13000.00}. The original creditor is listed as " XXXX XXXX XXXX '' the loan from XXXX XXXX XXXX was from XXXX and has had no activity on the account for atleast 8 yrs. This debt was illegally reaged and is harming my credit. It has aided in the denial of our home approval. This issue has caused unnecessary stress in this difficult time we are already in.
|
| 11/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To whom it may concern ; As of XX/XX/2017 a debt of {$840.00}. XXXX showed up on my credit report from XXXX XXXX. However, I closed out my account with this company before the process of being evicted from the property. Additionally, I did not reside at this residence during the time this amount was accrued. Whom ever lived at the the property after word was receiving electricity while billing fraudility under my name. This account was sent from XXXX XXXX to XXXX XXXX XXXX XXXX. Account number ( XXXX ). I have dispute this debt multiple times via the credit bureau and the collection agency itself with zero results.
|
| 07/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I suddenly started receiving repeated calls first asking for me, then asking for a XXXX XXXX. I am currently in the process of settling accounts that I have in collections. I have nothing under this company called Jefferson capital. Yet they continue to harass me. I told them to stop calling me and they continue. I told them again that I am not XXXX XXXX and to stop calling. And they continue over 5 times a day. They called from XXXX starting at XXXX. XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX -- XXXX at XXXX, XXXX at XXXX, XXXX at XXXX for today XX/XX/2022. And they're probably still continuing to be calling.
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts Jefferson Capital Systems LLC for the amount of {$1500.00} and XXXX for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.
|
| 06/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
the wonderful folks at Jefferson Capital Systems have purchased rights to collect debt against XXXX XXXX ( NOT XXXX XXXX ). and yet they hit my credit report will the debts of a different person.
they called dozens of times, would not say what it was about, and last XX/XX/XXXX when going through mail I noticed there was a collections letter from them for XXXX XXXX ( NOT XXXX XXXX ) and yet they put that garbage on XXXX XXXX XXXX credit report & then proceeded to harass XXXX XXXX endlessly over it.
here is URL of image of scan of debt collection letter which clearly shows they have the wrong name XXXX XXXX XXXX
|
| 09/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ON XX/XX/2023 JEFFERSON CAPITAL WAS SENT A CERTIFIED DISPUTE LETTER IN REGARDS TO A DEBT OWED BY XXXX XXXX IN THE AMOUNT OF {$1600.00}. JEFFERSON CAPITAL HAS ILLEGALLY SUBMITTED A FALSE DEBT OWED TO THE CREDIT REPORTING AGENICES WITHOUT NOTIFYING ME OF THE DEBT IN QUESTION FIRST. IN THE LETTER SENT TO THEM ON XX/XX/2023 THEY WERE ASKED TO SEND VALIDATION OF THE DEBT SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT. AS OF XX/XX/2023 THEY HAVE FAILED TO RESPOND TO THE DISPUTE LETTER OR SHOW ME ANY EVIDENCE OF THIS DEBT BEFORE REPORTING IT TO CREDIT AGENCIES.
|
| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX is reporting that my account is in collections/charge off. It was included in a now discarded chapter XXXX bankruptcy. I have disputed it 3 different times with the credit bureau and they have confirmed the debit each time. When I called them, they said the debit had been sold to Jefferson Capitol Systems LLC. I was never informed of this or contacted by this company about them buying this debit. When I contacted this company, they said I still owe the full amount to them ant refused to take off the balance or report it correctly to XXXX XXXX or the credit bureau. Bankruptcy case XXXX filed on XX/XX/19.
|
| 09/22/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Jefferson Capital bought debt from XXXX. It was charged off in XXXX of XXXX. I owed XXXX money after they shut off my phone in the middle of the pandemic. When I started working on improving my credit, suddenly Jefferson Capital is sending me mail constantly. I owed XXXX {$240.00}. Jefferson Capital sent me an offer for their Payment Rewards Program stating that if I paid {$150.00} within 6 months, they would cancel the remain balance. I paid the {$150.00}. Jefferson Capital immediately put the {$85.00} back on my credit report as a collection. I held up my end of the deal, and Jefferson Capital failed to do so.
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is not my account. I have previously disputed this account and it was removed. Then was later added back. My identity has been stolen multiple times. Around the same time this account was open there was approximately four other cell phone accounts, open and a three month period. Obviously fraud. I previously asked them to send me a debt validation letter in the mail and they sent me a bill. They can not provide me with my whole Social Security number, and they have the original address on the original account incorrect. Wrong apartment number. Id like this removed from your credit report immediately
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Jefferson Capital Systems add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
|
| 02/13/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Jefferson Capital appeared on my credit report last year. I had no notice of information from them to dispute it. XX/XX/XXXX I noticed an inquiry from XXXX on my credit report ... XXXX is a collection arm of Jefferson Capital. XX/XX/XXXX I received a settlement offer from XXXX XXXX. Still, I could not dispute the debt with Jefferson Capital. This makes twice this debt has appeared on my credit report along with the original creditor. On XX/XX/XXXX I received yet another letter from XXXX XXXX about this same debt. I want Jefferson Capital to remove this debt from my credit report and contact me directly if at all
|
| 09/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have attempted to dispute a charge off with XXXX XXXX, I have spoken with what they stated was the presidential office with a woman named XXXX. She explained to me that the charge off happened three days previous, XXXX and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for your help.
XXXX XXXX
|
| 07/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The amount owed to XXXX XXXX and its collectors was XXXX dollars mind you this account was closed and the remain closed through the most impactful times in America during the lockdown during that time XXXX promised people they would give people COVID-19 forgiveness due to people losing their jobs and getting sick which I was one of those individuals who signed up cause I was affected and they still continue to charge while the lockdown was in affect and disputed this account multiple times but the keep changing information so it seems like i recently did this and I cant be protected by the natural disaster act.
|
| 04/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This collection was re-inserted on to my credit report after years of not being there, I had previously disputed and had removed being as I do not believe it was ever mine. I was never notified of intent to place as collection on my report and they have not sent any verification to me. I have never received anything in the mail from this collection agency. When I contacted them on the phone they tell me the debt is verified although the company who is the original creditor is XXXX XXXX and I'm a current customer and they tell me that they have no record of me having any other account nor do I owe them anything.
|
| 01/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received letter in mail on XX/XX/2019 from XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX attempting to collect an old debt that I was never aware of and not notified of in the past from XXXX XXXX for {$360.00}. Letter states that because of age of debt I can not be sued but debt can be renewed and I can be sued if I promise to pay or make any kind of payments. I feel like they threaten me by stating that I should determine the effect of any actions taken on this debt. They follow up with a 30 day notice to dispute or consider this OLD and UNKNOWN debt valide. Reference number on letter is XXXX.
|
| 11/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have disputed this account on my credit report that is showing " Jefferson Capital Systems '' from XXXX and the CB 's removed the negative remark due to them not investigating within 30 days. I have since then received a paper in the mail stating they are the owner of the collection account. I have notified them through the Credit Bureau that this account was due to identity theft and is not mine. They continue to report on my credit after the CB removed it. They also continue to collect even after telling them this is due to identity theft.
I have provided a copy of my police report showing identity theft.
|
| 01/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just received an email from Jefferson Capital Systems , LLC. mentioning that they have important information about my account. However, when I viewed my credit report, I do not have any collections on either my XXXX and XXXX reports. I called the number provided and they immediately asked me for my " reference number '' but I was not given one, and they also asked for my Social Security Number. I just hung up the phone and did not want to deal with that. The email they sent me was from XXXX, and their own website states that they use that email for outgoing emails.
I am not aware of any debt outstanding.
|
| 07/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA XXXX entitled to {$1000.00} per violation and clearly they violated my rights.
I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX reached out to me in the fall of XXXX indicating that I owed this debt of XXXX. The address they gave me for the notices and billing was not my address and I indicated this. They stated that I needed to prove my identity to prove to them this was not mine. I indicated that that was not correct and they need to prove to ME it was mine. I spoke to XXXX again in XXXX as I was preparing to buy a house and they indicated that they had no record of the debt. I am enclosing a letter that the have sent to the collection agency again indicating that this is not my debt and requesting that it be removed. Thank you
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) JEFFERSON CAPITAL SYST XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) JEFFCAPSYS # XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ) JEFFCAPSYS # XXXX, has violated my rights. 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 COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.
|
| 10/23/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capitol I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information.
I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but Jefferson Capitol refused to remove it.
XXXX and XXXX are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.
|
| 04/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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According to XXXX, inXX/XX/XXXX XXXX XXXX XXXX purchased a dept from XXXX XXXX in my name. I have attempted to contact XXXX XXXX a number of times over the phone. The last being on XX/XX/XXXX at XXXX. I have tried to explain to them that this is incorrectly reported. I had closed my account with XXXX in XX/XX/XXXXowing nothing in monthly service charges. I have attached a receipt showing the device I had purchased was returned to XXXX XXXX XXXX XXXX continues to deny my requests for proof that the dept is accurate. I have asked for them to validate the dept and was told they could only send me a bill.
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| 08/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$790.00}.
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| 09/23/2019 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I disputed JEFFERSON CAPITAL SYSTEM in the amout of {$11000.00} and XXXX XXXX XXXX is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more.
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$11000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
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| 09/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was recently trying to get a loan for bills and couldnt do to my credit so I had gotten my credit score looked at and seen that I have XXXX XXXX on my debt saying the account was open XX/XX/XXXX thats around the time my belongings were lost in grey hound I am an victim of identity theft and recently got my items stolen from on XX/XX/XXXX I have gotten a police report for theft so now all my information is out there once agin including Id social security card debit cards I had to cancel and my check stubs with my job info The amount in debt owed is {$690.00} Current creditor : JEFFERSON CAPITAL SYSTEMS LLC
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| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im reporting Jefferson Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX and there reporting I owe XXXX from an account that is not mine and I have no recollection of this account or where this came from I contacted and spoke to a representative about this issue and they admitted on a voice recording that they dont have proof to show that I owe this debt now under law and the fair credit reporting act Im requesting that they remove this account from my credit if they dont have proof that this is mines and they admitted also on recording they dont have proof which is breaking the law.
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| 07/29/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing.
When I spoke to a representative at XXXX XXXX XXXX, he stated no information was available as the debt had been sold to another company.
When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed.
I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.
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| 12/09/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit.
I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses.
I have contacted the company, personally, and they will not send the documentation and they will not removed the item from my XXXX and XXXX Credit Bureau Reports.
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| 01/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Other transaction problem
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Web |
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On XX/XX/XXXX I received an email from XXXX stating I had an outstanding balance of {$2100.00} sold to the debt collection company, XXXXefferson Capital Systems LLC. The problem is I never authorized the creation of a XXXX account in my name and was never aware of the transactions taking place on that account, seeing as they were from XX/XX/XXXX and they were done without my authorization through the work of a third party email that used my name and other credentials to create a scamming account. When I realized this, I immediately contacted the debt collection agency and was directed to file this report.
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| 03/12/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX is trying to collect {$1700.00} from me and I've never had service with them. I tried two different times to get service with them and they denied me. I have reached out because I'm trying to purchase a house a d saw this was on my credit. I spoke with someone who was suppose to look into it and never returned my call. I have received letters from Jefferson Capital who is suppose to be the collection agency. When I reach out to them it's a other company who has it but Jefferson Capital is reaching out. This isn't my account and I've been reaching out to get help for almost two years with no success.
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| 09/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.
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| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 03/08/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a notice in the mail today XX/XX/21 even thought the notice is from XX/XX/21 about a debt to XXXX. The amount is for {$590.00} and they were willing to accept {$410.00} to resolve the debt. I checked the company which was Jefferson Capital Systems and the phone numbers did not match. I also checked the account number on their official website and there was no record of the debt. I also checked my XXXX account for transactions over the past 10 years starting from today and there is no transaction of such amount. I have never been sent a letter about this debt prior to the one I received today.
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| 03/25/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a notice from Jefferson Capital for collection. I requested a verification letter and they provided a statement from XXXX with my name XXXX XXXX. I have never had XXXX services and received proof that there is only one account open in my name from back in XXXX via XXXX fraud investigation team. I have lived in XXXX since leaving for XXXX in XXXX. I called XXXX Fraud and they told me I need to file a police report before they can investigate any further that someone stole my identity to open an account in my name. I will continue to work with XXXX so they remove the account from collection.
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| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Previously paid a debt on card on XX/XX/XXXX the creditor had told me if paid it will be removed entirely during our phone conversation which was recorded by then, 5 months and this still didnt resolve, no letter and still showing up. So I sent a dispute and now I have a charge off showing up dated XX/XX/XXXX. Called XXXX XXXX XXXX XXXX and they told me theyre not reporting it that they filed to remove while experian is showing they reported it as a charge off, they began laughing because I asked for it to be mailed that we agreed on pay to remove and they said ok. XXXX will not allow me to re dispute.
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| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
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| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XXXX XXXX, 2020, JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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| 08/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I originally had a loan with XXXX XXXX that was ultimately sold to Jefferson Capitol. As the account neared 7 years maturation and about to be eligible to drop off my credit report, Jefferson Capitol re-aged my account and put it on my credit report as being delinquent as of 2017 starting the clock over as to when it would mature and come off my credit report. I emailed and called Jefferson Capitol and only got unfulfilling answers and no response to my emails. The account was previously removed and Jefferson Capitol readded it without proper notification and reached the account which violates the law.
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| 04/06/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
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| 12/20/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
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| 10/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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My loan thru XXXX XXXX was closed and marked paid in full on my credit report two months latter a company call Jefferson purchased this loan and imidiantly put it on my credit report and a collection I filed a dispute and it was removed. Today two months latter it has been re added with a start date of today. I have never received notification of Jefferson on this and have never done business with them. I am trying to refi my home and this most likely will get that denied because of this. As a XXXX veteran it is tough enough to survive but this is has became a direct violation of the law and my rights
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| 06/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern : ALL Jefferson AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before Jefferson acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies.
Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter.
Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX XX/XX/XXXX XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX
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| 07/01/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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When I contacted the company : regional finance company of New Mexico and Jefferson creditor capital systems, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.
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| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
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| 06/16/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX XXXX XXXX XXXX XXXX, placed a collection on my credit report on XX/XX/2018 from a old XXXX XXXX debt. The account was already previously removed from my credit report and they some how were able to place it back on without sending me any written notices or letters. I have never received an official document from them. When I did dispute the collection they then threatened me on the report saying Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. But I still have not actually received any official letters or documents from them.
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| 03/16/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Sent first cease and desist letter on XX/XX/XXXX. Collection Agencies respond by selling to the next Agency.
The most recent communication, received yesterday, XX/XX/XXXX, was sent in a see through envelope with LARGE, CAPITALIZED, BOLDED, and UNDERLINED FONT clearly read by looking at the outside front of the envelope : THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
The envelope with this message visible was delivered to my neighbor, who saw the message with my name and address and hand delivered it to me.
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| 12/17/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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Hello, I had a debt that originated with XXXX and it was paid, but I am receiving notices from other companies that I still owe on this debt. There has now been a collection from XXXX of these companies ( jeffersons capital ) in the amount of {$8500.00} and this is incorrect.
I have tried to dispute this but jeffersons keep assigning the account to an attorney.
I can no longer verify this debt due to XXXX being out of business.
I believe the information is falsified and inaccurate.
I would like the collection on my account deleted and removed from my credit file.
Thanks in advance!
XXXX XXXX
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| 12/21/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
|
| 11/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I spoke to them letting them know I did not have any debt with them. I had debt with XXXX XXXX XXXX. I told them the amount of debt was wrong, but did not think that they should have any of my information knowing I had set an agreement with XXXX to pay back {$2000.00}. Some how they were in charge of my debt and they will not negotiate to the same terms as the people who I was obligated to. I am not obligated or did not sign up with this unknown company of Jefferson Capital Systems. I had an agreement with XXXX Credit Card, not them. Now they are trying sue me for an outrageous amount of {$5800.00}.
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| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2020, JEFFERSON CAPITAL SYSTEM add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 07/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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XXXX XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX XXXX provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
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| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX XXXX XXXX bought a debt from XXXX for a cell phone plan that was terminated in XX/XX/XXXX. XXXX originally told me that I could cancel my phone plan ; I had one month left on a three year plan, and that I would not be charged an early termination fee. Instead, I was charged {$300.00} per phone line ( six lines ) for the early termination. I disputed it.
XXXX XXXX purchased it and reset the date opened account to XX/XX/XXXX and began to try to collect the debt from me. I disputed the account date. They told me that the debt starts from when they opened the account, not the original account.
|
| 07/24/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX XXXX is in blatant violation of the law in their attempt to re-age an alleged debt that they claim we owe XXXX XXXX. We have not established any agreements which would allow XXXX XXXX to report that the {$390.00} debt was established on XX/XX/2018. We fully dispute this amount and would like verifiable PROOF that this amount is owed. If proof can't be provided that this debt is valid, we want all remarks removed from the CRA 's databases. Re-aging debt is a clear violation of the law and I intend to seek legal recourse for damages resulting from XXXX XXXX 's actions unless we find a solution.
|
| 07/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/2020 I sent Jefferson Capital Systems a letter, asking them to validate a debt, a right granted to me under the FDCPA and FCRA. They sent me a one page letter that did not bear any information worth noting. I still don't even know who they are collecting for, or if they are allowed to collect in the state of Pennsylvania. I'm extremely discouraged by my attempts to enforce my own rights, and I have met with an attorney who has advised me to document the case and file this complaint with you. Please help me! They are trashing my reputation and destroying my credit, and I don't know why!!!
|
| 09/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
|
| 08/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX HAS ATTEMPTED TO COLLECT FROM ME IN THE PAST REGARDING ACCOUNTS WHICH WERE A RESULT OF IDENTITY THEFT. THEY HAVE NOT SENT ME ANY LETTERS TELLING ME THAT THE ACCOUNT THEY ARE COLLECTING WAS ACKNOWLEDGED AS ID THEFT, AND I WOULD LIKE THEM TO OFFICIALLY ACKNOWLEDGE THAT THE INFORMATION IS NOT MY ACCOUNT AND SHALL NOT REAPPEAR ON MY CREDIT REPORTS.
THEY NEED TO ADVISE ME THAT THEY ARE NO LONGER ACTIVELY OR INACTIVELY PURSUING ANY DEBT COLLECTING WITH REGARDS TO ME AND THAT THEY HAD ONLY PREVIOUSLY DONE SO AS A RESULT OF ID THEFT, AND THAT ANY ACCOUNTS WILL NEVER BE REPORTED IN THE FUTURE.
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| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The credit agency continue to replace a fraudulent account that going from one entity to another with out premission or consent to share private information and reports these this company even though there is no lawful contract or even consent for the party to have private information. Ive sent cease and desist and deletion testimony to the partys and all they do is remove one then allow and other company to report this fraudulent and unlawfully information and now is resulting in identify theift the because I never gave consent or permission for these other agencies to share private information
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
For several months now I have tried to have XXXX XXXX XXXX confirm with me that there was a signed contract for two debts they claim I have. They will delete and/or close the accounts for a short time only to open it again with a different start date each time. One debt is for {$1200.00} and the other is {$570.00}. Each time they remove and replace it into collection it damages my credit more and more. I do not believe I am responsible for these debts as I have not been shown proof I signed a contract with them for these said debts and they came out of nowhere without a fare warning or a letter.
|
| 11/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX Jefferson capital systems is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before
|
| 11/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Hello, My name is XXXX XXXX XXXX, I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this complaint in good faith, with hope that it can be resolved amicably. This unilaterally signed agreement contains errors that I have become aware of. Please see the Claims to an Instrument Notice, along with a Revocation of Power of Attorney, Rejected and Modified agreement attached.
This shall serve as a Notice to Jefferson Capital Systems , LLC 's affiliates as well, including the card issuers.
XXXX XXXX XXXX, Consumer. All Rights Reserved UCC 1-308
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, & XXXX. XXXX XXXX does not have my consent to have and share my private personal information.
Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and date of XXXX delinquency as XX/XX/XXXX. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
|
| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was trying to maintain good credit history they stated if I pay the balance in full they would remove it from my credit. Balance is a charge off that has been paid to the original issuer of credit XXXX XXXX. This account has been sold to a few different collection company and each company repost it on my credit report. Even with that knowledge I still paid the balance that that said I owed thinking it would clear up that matter so I could move forward. I reach out to them and they said its nothing they can do to clear up this matter. It is still having a negative impact on my consumer report.
|
| 08/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen in XX/XX/2015. My identity was stolen through XXXX and the amount on the account is XXXX. I am not sure when this account was created because I have had many things put into my name that are not mine. However, I estimate the account to be created around XX/XX/2015. I have contacted XXXX many times about this account not being mine and this is not my debt to be paid and they still put it on my credit score and ruin my credit. There has already been a police report file and I have all of the documents stating that this account is not mine and this is not my debt to be owed.
|
| 11/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX/XXXX/17 A female operator contacted me from XXXX XXXX claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from XXXX. They took it upon themselves to add this on my credit report in XXXX re-aging the debt to XXXX. How can any of this be possible? They are ruining my credit. Notice the dates on the letters I uploaded. Which are XXXX. I do not know who these people are. They did NOT attempt to contact me until a week ago yet they out this on my credit report today and the date on my credit report states XXXX
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act consumer has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1681 improper use of my credit report I have never signed a contract with Jefferson capital I have asked for validation of the debt with the ORIGINAL SIGNED CONTRACT WITH THIS COMPANY NAME THEY ARE ALSO REPORTING A CHARGED OFF ACCOUNT WITH A XXXX BALANCE AT 100 % paid which is incomplete and violates 15usc1681
|
| 08/16/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company Jefferson Capital Systems is reporting that i owe a {$250.00} debt to them. They are reporting that the account debt was opened in XXXX. They are also reporting that I am making late payments every month. The ORIGINAL account was opened with XXXX was opened in XXXX. Will provide documentation for proof upon request. Theyre not only illegally reporting payments that are not being made and not scheduled to be made, i am in no way shape or form in contract to pay them, XXXX illegally sold my debt to them to collect, they are reporting completely false information as far as dates, etc.
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2019 /JEFFERSON CAPITAL SYSTEM added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
|
| 12/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received multiple harassing phone calls -- 3 in a day, XX/XX/19. I called back because I'm annoyed, the recording asked for me to input my social security number -- which I did not input. I looked the company up, called them, and they again asked for my SSN, which I did not give. Then I told them I was going to report them and I am. They looked up my account with the last 4 of my social and I am not in the system for owing anything. Please investigate them, I can only imagine what they are doing to people who don't know to come to the CFPB. Put Jefferson Capital Systems , LLC out of business.
|
| 04/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
On XX/XX/XXXX when applying for mortgage loan Credit Bureau report showed in XXXX that an account with XXXX from XXXX had not paid off. This account was sold to XXXX XXXX for the amount due for {$270.00}. This account was paid off in full to XXXX XXXX on XXXX XXXX. I have evidence of amount paid from my account at XXXX XXXX XXXX. I have notified through phone calls to both XXXX and XXXX XXXX of inaccuracy of report on XXXX asking for resolution of inaccuracy. Filed fraud and dispution of report on XXXX. This has had a negative effect on my credit scores and needs to be addressed and resolved.
|
| 02/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX settled a 5 year old debt with my attorney on XX/XX/XXXX for {$990.00}. I paid the full amount on XX/XX/XXXX which was within the terms of the settlement offer proposed by this debt collection agency. They then proceeded to garnish my bank account on XX/XX/XXXX for {$1600.00} and there was a fee of {$150.00} from the bank for this garnishment. Between my attorney and myself, we have attempted to contact XXXX XXXX on 6 occasions since I received the letter from my bank. The payment of {$990.00} and the garnishment of {$1600.00} has left me with only {$42.00} in my bank account.
|
| 10/06/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has violated my Federally protected rights under the FCRA. I contacted XXXX today letting them know the account Jefferson Capital should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to Jefferson Capital but XXXX said they submitted paperwork saying it mine which is inaccurate. XXXX credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XX/XX/2022 a debit collection on the name Jefferson Capital System LLC with the account number XXXX and post with {$480.00} With the address on XXXX XXXX XXXX, XXXX, MN XXXX I want this Collection Agency to provide in writing any agreement and my signature to prove I own them that amount of money If they cant provide this they need to cancel and announce the Credit Company to stop posting this in my account Again they need to provide letters with my Signature that I own {$480.00} to Jefferson Capital System LLC If they can I will appeal by The Federal Law protection of Consumers Fair
|
| 07/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed.
|
| 01/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested a letter of validation of debt twice now and they have not sent it to me, it has been over 30 days and they claim to have sent it to me but the letters I got and saved only show the total amount owed not what I requested. I called the company and they are telling me they sent it when they have not. I requested a email and one was not sent. The When I was requesting the debt over the phone the woman kept trying to convince me to pay before getting that letter and almost refusing to provide it. This has been removed from my XXXX already as well due to meeting the FCRA requirments.
|
| 01/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Several years ago I got a notice from XXXX that I owed them {$260.00}. There was no specifics attached to bill, such as date of charge or what was purchased. This was odd because I had never had a XXXX account. I did report this by phone to XXXX but I never got an acknowlegment. But bills stopped. Recently got notice from Jefferson Capital that debt had been sold to them and now they are trying to collect. They sent me a form to fill out but I am reluctant to give them my social security number. I have no other issues with identity theft at this time. I want their harassing letters to stop.
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
1. Validation of the debt- that is, the actual accounting.
2. Verification of a signed Invoice.
3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d ; and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Im receiving phone calls repeatedly after I told them that they had the wrong number and person. Ive asked them not to call but they will call again. They say at first that the call is being recorded in a attempt to collect a debt. They call from different phone numbers and different states. Im called 4 to 5 times a day. I feel harassed. Im XXXX and have XXXX young boys with XXXX who are XXXX. I have to answer my phone due to communication with medical and state offices. Its gotten so bad Im afraid to answer and triggered my XXXX. They are running up our phone bills and upsetting everyone
|
| 07/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have repeatedly requested validation of a debt that is being reported on my credit report by XXXX XXXX XXXX. They have only sent print outs of statements that dont even have my full name or signature on them. They state XXXX is the creditor but they dont provide copies of ANY contracts : a contract with my signature on it with either party, and no contract that shows XXXX XXXX owns this debt and they have authority to collect anything. They stated they have fulfilled my verification request. Per the FTC, print outs of statements are not validation of a debt and do not stand up in court.
|
| 07/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.
|
| 04/02/2021 |
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
|
|
Web |
Servicemember |
|
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$7600.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus.
Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/XXXX. Last payment made was XX/XX/XXXX. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt.
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
ON XX/XX/2020, Jefferson Capital added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Jefferson Capital has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
|
| 07/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.
|
| 07/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I filed Bankruptcy in XX/XX/XXXX while going through a divorce. The bankruptcy was discharged in XX/XX/XXXX. The debt is with XXXX XXXX collecting for XXXX XXXX. The open date is XXXX/XXXX/XXXX. The re-aged and sold the debt to this collection company after my bankruptcy like must creditors think they can get away with doung this to consumers. I review my credit every three months. This XXXX debt was list on my XXXX in bankruptcy. I keep disputing this tradeline with all XXXX repositories. XXXX keeps selling the debt trying to collect. I need this account deleted. I do n't owe this debt.
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
This XXXX XXXX they have listed incorrect on my credit and I have been working my hardest to Fix my credit and the reason I am sending It's because the amount is incorrect and the dates are way off They have my account listed as two years old And the account is From XXXX and I need this resolved I'll deal with XXXX and if you want look at my payment history it is XXXX percent and I paid and closed account in XXXX but a new credit delinquent debt showed up XXXX as of it was new and this is ridiculous I've asked over and over for proof of this account and the address and dates nothing yet
|
| 06/10/2023 |
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
|
|
Web |
|
|
I have attempted to dispute the inaccurate information that is continuing to report to the credit bureaus in my name. I need this collection that is negatively impacting my credit to be removed from my report immediately. Jefferson Capital Systems is reflecting a balance of {$1900.00} as of XX/XX/ XXXX and should not be for several reasons. I am a Florida resident and they are not licensed in the state of Florida. I requested original signature documents to confirm this account and it was never provided. Where did they come from and why are they not removing the inaccurate information?
|
| 05/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX Jefferson Capital sent me a letter about a debt that I supposedly owed to XXXX. I sent them a letter asking them to send me proof that I owe the debt since I know I do not owe the amount they specified. They didn't send me anything and had my letter sent back to me. Then on XX/XX/XXXX they sent me another letter asking for payment on the debt. I ignored it and received XXXX more letters one on, XX/XX/XXXX, XX/XX/XXXX and the most recent on XX/XX/XXXX. I have not tried contacting them via phone because I know it's a scam and I know I don't owe the amount they're asking for.
|
| 04/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recieved a notification of a debt on my credit report stating that jefferson capitol systems had aquired a debt from XX/XX/2011 for the amount of {$790.00} which they purchased from us cellular. I have not recieved any mail notifying me of said debt. Not to mention the statue if limitations on most debts is 7yrs, others is 10yrs. They have reported this debt twice on my credit report from experian. That also is fraudulent. I have asked them twice now to remove the debt from my credit and the 1st time i was hung up on. The 2nd time they were dismissive of my demands to have it removed.
|
| 09/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was notified today via XXXX that a new collection had been added to my XXXX report from Jefferson Capital. I have been disputing this account with the all three bureaus since XXXX of XXXX with the original creditor on my report XXXX I have sent a reinvestigation letter and method of verification letter to all three bureaus to verify this account only for this collection company to be added in XXXX. I had no knowledge of the debt being sold nor any communication from Jefferson Capital about the debt being sold. I do not recognize how and why this account is now reporting on my credit.
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Called XXXX on XX/XX/XXXX when debt was originally discovered advised to send in copy of DL and other ID docs. Sent in XXXX called and advised debt had been sold to Jefferson Capital to contact them. Advised Jefferson Capital debt was not mine and this had already been determined by XXXX - debt was previously removed from my credit but reappeared as opened in XX/XX/XXXX -called Jefferson Capital and they indicated original debt was bought in XXXX Credit shows this company despite receiving info that this is not my account is reporting the debit as recently opened on my credit reports.
|
| 04/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXXXXXX XXXX ( now sold to a collection agency JEFFERSON CAPITAL SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
|
| 08/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was contacted by Jefferson Capital about a debt to XXXX that is not mine. I notified them that the debt was not mine. I asked them to send validation of the account. I did not hear from them again. This week I received a credit alert that I had a new negative credit account on my report. I looked into this and Jefferson Capital listed this account on my credit reports. They did not validate the debt at all and now are attempting to extort money I do not owe by listing this on my credit report. I have not had a XXXX account in over 15 years and closed that account with no money owed.
|
| 04/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a car loan with XXXX my car was totaled my insurance paid debt then the finance company sold car and never put that money towards loan then charged it off claimed that charge off to the government got credit for it and sold the loan in which has reported wrong amount owed as has falsely reported this debt on my report as a new debt I am not in contract with Jefferson Capital nor have I ever signed an agreement to them that makes me obligated to pay any amounts of money this goes against my fair credit it rights any I would like it removed immediately from all my credit reports.
|
| 02/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Jefferson capital system is reporting a debt on my credit report in the amount of {$13000.00}. This debt was reported on my credit starting XX/XX/XXXX. The loan which was originally provided by XXXX XXXX XXXX, was paid off in XXXX. Not only is Jefferson Capital reporting a debt that I do not owe, they have the wrong date of the account which is hurting my credit even more. I was never notified of my right to dispute this before it was reported on my credit. I disputed through transunion and XXXX website in XX/XX/XXXX, but Jefferson capital still has not removed this off of my report.
|
| 02/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
|
| 07/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX sent this debt to Jefferson Capital Systems for collection. My father has the same name as me and I believe this may have been my father and mother 's issue. I have received multiple " settlement '' offer type letters and notifications. I explained to the collection agency that is is not my debt. I even offer to make a payment of {$150.00} to get rid of the debt and hopefully remove from my credit report. This has been going on for over two years now. I want this charge either removed or resolved and the item removed from my credit report from all known credit reporting agencies.
|
| 02/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I keep getting these notifications from a junk debt buyer named Jefferson Capitol systems trying to collect on debt that I have no idea of and is probably past the statute of limitations, They do not provide the necessary backup and probably buy tons of this debt for pennies on the dollar.
Why are they allowed to stay in business. Fraudulent.
Please have them stop contacting me and if I see anything on my credit report from them I will take the necessary legal action.
They know that if you contact them it starts the clock running on debt that could not be collected on in the past.
|
| 11/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Starting in XX/XX/2021, I started disputing these unknown accounts with all Three ( 3 ) credit bureaus. I would receive notification that the accounts were " verified as accurate and updated '' These accounts do NOT belong to me. The original debt was with XXXX, and sold to Jefferson Capitol System. When I dispute, Jefferson Capitol sends me an offer to pay and delete. I sent a Method of Verification, and instead of sending me what I requested, they again sent me an offer to pay and delete.
The XXXX XXXX account does NOT belong to me, and I have no knowledge of this account either.
|
| 09/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Jefferson Capital Systems LLC is a third-party debt collector, who purchased my consumer account from XXXX. Which is a violation pursuant of 15 USC 1692c. I did not give permission for this action. I paid this debt out to the third-party debt collector, Jefferson Capital Systems LLC . I reached out to XXXX to get this resolved, but they refused to correct the issue. XXXX sent me a letter validating their actions and made a threat to furnish this information negatively on my consumer report. This information is currently being reported negatively on my consumer credit report, by XXXX.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
XXXX, XXXX AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX XXXX XXXX AND Jefferson Capital System WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX was first contact with XXXX whom is associated with Jefferson. Thought they were a scam and gave them a dummy account to get them off my phone.
Starting XX/XX/XXXX started receiving random calls from different numbers and text messages. The same day I noticed Jefferson reporting debt on my report. Contacted Jefferson and asked them to send written communication they own the debt and to remove themselves from my report as I don't have an agreement with them.
Under code 15 USC 1681B- permissible purpose, it is illegal to report a debt on my report without my permission.
|
| 10/01/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
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I had an existing phone bill on my credit report for about 3 years and the claim was legitimate, until I paid the debt on XX/XX/2018. I contacted my bank and asked how I could better my credit score, and they informed me I could pay off old debts. They provided me with all the phone numbers of the companies I could contact. I paid {$74.00} on XX/XX/2018 to XXXX XXXX and I have bank statements that verify my claim. I have provided my documentation to XXXX and they will not display this debt as paid. I do not dispute that this debt once existed, but it was paid in full 15 months ago.
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
|
Reporting negative items on credit for XXXX XXXX, calling breathing over the phone not saying anything then hang up when I say hello. I have an old account with XXXX thats in debt, My wife added me on her phone line with XXXX I have same number from old debt. When my wife late paying late bill this collection agent violate me with punishment towards my credit. My wife account is different from my debt. They treat it as if its my account because of my number. Its unfair and unprofessional. Bullying tactics. Before account closed I tried making a payment plan XXXX denied my request.
|
| 08/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
|
| 11/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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On XX/XX/2020 I received an alert that my XXXX score changed. When I reviewed my credit report Jefferson Capital Systems ( Debt buyer ) reported status as collection account past due as of XXXX 2020.
I did not receive any calls or written communication that would have provided me the 30 days necessary to dispute this debt.
I believe doing this without notifying me is not just threatening but also very damaging my credit status which I've been trying to rebuild.
Below is the debt collections info : Jefferson Capital Systems XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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In XXXX when my credit report was run by a mortgage lender on XXXX XXXX, XXXX I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of XXXX/XXXX/XXXX. This was a debt that was purchase from XXXX that was in dispute in XXXX XXXX.
I did not receive a letter in the mail until XXXX XXXX, XXXX ; dated XXXX XXXX, XXXX.
This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to XXXX XXXX.
Please could I get some help with this matter?
|
| 05/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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We received a letter from Jefferson Capital Systems LLC stating we had an outstanding balance. I called and spoke to a representative asking where this originated because we didnt have any account with XXXX, which was listed as the debt description. The representative could only tell me it was from a store called XXXX the balance and when it was supposed to have occurred which was 2 years ago. We never made a purchase and weve never been alerted to any fraudulent activity on my social. I told them to mark our account as disputed but this all still feels really strange and scammy.
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 06/12/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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pls verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I got an alert on my credit report that a collection agency [ JFEFFERSON CAPITAL XXXX ] reported new debt. However, I have never heard of them, nor have heard from them. I have asked for a validation letter to verify the debt after I gave them my address. I have not received a letter and [ JEFFERSON CAPITAL XXXX ] hit my credit again, reporting a new debt for a second time. I'm pretty sure the tactics [ JEFFERSON CAPITAL XXXX ] has used is in clear violation of CFPBs Debt Collection Rule under the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021.
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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I had a phone debt in XX/XX/XXXX from XXXX XXXX. XXXX called and told me that I had a debt in my name and that I needed to pay it off in a month. The balance was satisfied on XX/XX/XXXX. I called XXXX and they said they have forwarded the debt to Jefferson Capital Systems and now there is a duplicate collection placed on the credit report on XX/XX/XXXX - a year after the fact which is double dinging me and causing the FICO score to be hindered. I have spoke to Jefferson and they provided the same account information as XXXX and XXXX. This is not a valid collection for Jefferson.
|
| 10/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023 I disputed the following account Jefferson Capital Systems ( XXXX ), ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with a valid my signature contracting an agreement between myself and Jefferson Capital Systems XXXX would like for this account to be removed immediately as it is affecting my privacy.
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
JEFFCAPSYS XX/XX/XXXX Account Details Last Reported XX/XX/XXXX XXXX XXXX JEFFCAPSYS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$380.00} High Balance {$380.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have disputed this debt several times through the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.
|
| 06/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to contact Jefferson Capital to obtain information which is currently on my credit report as a collection. I tried calling It's all automation, when I put in my information it states my account is being handled by yet another company and states to hang up and call another phone number/ company. I tried using Jefferson Capitals online service but when I put in my information online it states they can not find my information. If I owe anyone I'm willing to pay but I need proof of what I owe and whom I owe. I do believe they're using false tactics in order to collection.
|
| 03/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had a credit card account with XXXX. I got behind on the payments because I was paying my winter gas bills. I received a statement from XXXX showing the debt was charged off. Then I received a letter from the Jefferson Capital collection agency requesting payment. I e-mailed them a settlement offer. They refused the offer.
I received a collection letter. They want 90 % of the balance {$890.00} payed in 30 days. I already told them I live on limited income. I am willing to settle for at least 75 % of the balance payable in at least 10 monthly payments starting in XXXX XXXX
|
| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a debt collection bill from what was apparently a cell phone bill. It came to my current address but under my married name. I have been divorced and back to my maiden name for over 10 years and I never had a cell phone through XXXXXXXX XXXX DBA XXXX XXXX!!! Someone obviously used my information to obtain a phone or something fraudulently. It would be easy for someone to figure out who did the fraudulent activity by first figuring out where the phone actually went to. Because whoever received the phone is the one who fraudulently used my information to obtain it!!!!
|
| 06/09/2021 |
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
|
|
Web |
|
|
In XX/XX/XXXX I received communication regarding a settlement with the Creditor ( XXXX ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement XXXX is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 07/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Monthly credit score has been in steady decline. I own no credit cards with any type of balance. Checked credit records and found a charge {$1000.00} with XXXX XXXX XXXX XXXX Creditors number XXXX XXXX XXXX Original creditor XXXX XXXX Original Account number XXXX Agency Reference Number XXXX Balance {$1000.00} I have never had a account of any kind with XXXX all of the listed information on the original account has nothing to do with me! Please look at my credit record I have nerve not payed a amount that I owe.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX
|
| 11/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/18 I was informed that someone went to my home to serve me court papers. I searched the XXXX XXXX courts online and found a case filed by XXXX XXXX XXXX and the amount I allegedly owe is between $ XXXX {$5000.00}.
I have never heard of this company and I have never been contacted by them via phone or mail. I am completely unaware of a debt to them and I am concerned that there isnt even an amount specified. Is this legal? I have had no opportunity to request validation of the debt nor to dispute it and no papers were served to me as I am travelling for the holiday.
|
| 10/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I checked my credit report today and this company was listed on my credit file stating that I owed them a balance for XXXX XXXX. I dont owe this company anything because I dont have a contract with them or XXXX XXXX and XXXX never received any notification from this company pertaining to a balance or amount owed.
I have reached out to XXXX to submit a formal identity theft complaint and report because I never received service from XXXX I have been with XXXX for over XXXX years.
The account also has a status of open how can a collection account be open? On my credit report
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX account is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
|
| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, JEFFERSON CAPITAL SY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX XXXX and XXXX ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.
|
| 12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, JEFFERSON CAPITAL SYST add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYST has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 02/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone opened an account with XXXX in my name and they claimed a phone was sent to my address. Yet, they dont have any imei number or serial number for the phone nor proof of signature for delivery. I did not order a phone from XXXX and they have refused to remove it from my credit profile. The phone I was told by a representative was never used nor activated. They can not provide any contract or signature or ID that I opened the account. There claim however is that it was sent to my address. I've had XXXX services now for 15 years. I have no purpose for their services.
|
| 06/21/2019 |
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
|
|
Web |
|
|
There are 2 credit accounts for XXXX XXXX on my report currently I disputed for accuracy. I disputed these along with several others that were fraudulently placed on my credit report by that company for accuracy. I disputed these in XX/XX/XXXX or XX/XX/XXXX and did not get a response until XX/XX/XXXX. They did not comply with the time periods to respond to my disputes, they are in violation. I have redisputed this several time for them to remove the credit completely from my report as a result of their neglect to respond to my dispute within the legal time allowed by Law.
|
| 10/11/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
I attended XXXX college in XXXX, my federal loan was forgiven in XXXX. But for my XXXX loan I am not able to contact any one about my private loan. I never received my diploma from this school so I feel it is unfair for me to be receiving multiple phone calls and collection letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX As well as it affecting my credit I have asked these people at XXXX XXXX XXXX asking them to give me information where I should call about this and who sold them my information but all they can tell me is to agree to a payment plan for {$530.00}
|
| 07/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
IM, FIXING MY CREDIT, FROM XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION XXXX XXXX XXXX, OF THIS AMOUNT IS $ XXXX.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..
|
| 12/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter from a collection company ( Jefferson Capital ) that informed me an account from XXXX was sold to them with a debit owed in the amount of {$2800.00} in my name from the year 2017. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact XXXX at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.
|
| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A collection agency, Jefferson Capitol System, is attempting to collect a debt on one account 3 times. I only have knowledge of one account through the cellular company who contracted them, and the cellular company has verified that I have only had one account with them. Jefferson Capitol System has made 3 separate entries on my credit report and they are refusing to delete 2 of them, through a dispute with the credit companies XXXX XXXX, XXXX, and XXXX ) making it impossible for me to contact them to verify that the debts are actually mine, and to pay them if they are.
|
| 04/21/2022 |
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
|
|
Web |
|
|
XXXX XXXX XXXX Last reported XXXX XXXX, 2022 {$9400.00} Open balance XXXX XXXX XXXX Original creditor This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy.
I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.
|
| 06/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
XX/XX/2017, somebody that I had lived with me or near ... .I 'm unsure but at the time they used my information to add a line to my account and then just continued to let it go, unpaid.
I was always in great standing when I had my service I thought I had turned it off and everything was paid I owed no money on any phones etc. Now I have this outstanding debt and I can't figure out who even had the other device and how it got so big. I'm disputing this because of fraud I did not give anyone permission to use my information to continue a service that I had disconnected.
|
| 07/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I suffered from a very horrible up hill battle of identity theft. Everything from home utilities to credit cards. JEFFERSON CAPITAL SYSTEM continuously places a fraudulent debt on my credit report when they company was notified of this being fraudulent. I have filed a ftc and police report 3 to 5 years ago, and this did not slow them down. It's almost like this debt company is ran in automation without any human dignity or interaction. They re opened the debt XX/XX/2021. It was previously removed from a different debt collector. Now Jefferson capital starts this over.
|
| 07/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have not had a XXXX account since XXXX and yet they reported me as having a debt that was turned in to collections in XXXX of XXXX for {$280.00}. I have not reached out to them because I don't have an account with them to verify who I am. The debt they are trying to collect has got to be identity theft or something because I have had a XXXX XXXX cell phone from XXXX for several years now. I can show records of my payments to XXXX XXXX through my bank because it gets automatically taken out. The collection agency that is on my credit report is called XXXX XXXX XXXX.
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Reviewed credit report and noticed I had a collection from Jefferson Capital. contacted them to see what it was for and they said it was for XXXX and I told them I didn't have XXXX so therefore I was not going to pay for something I have not used. They kept on insisting that I should pay them and also tried to drop down the amount but again I'm not going to pay what I don't owe. They can't give me documentation and also when I dispute it nothing happens. I don't think it's fair that I have to be going through this until the year 2023. Can you please help me with this.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 09/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Jefferson capital systems LLC calls frequently and for the past week everday and after I have told them to stop calling me they continue to do so. they call from the following numbers XXXX and XXXX at different times of the day and I have spoke on the phone and told them to stop calling my number and have wrote to their company at this mailing address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Have not received a response yet they still call and they also use a robot dialer as when I do answer there is always a wait time before someone answers or the call will disconnect
|
| 11/06/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 01/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX
|
| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : JEFFERSON CAPITAL SYST Balance {$300.00} Date opened XXXX XXXX, 2021
|
| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Re : Collection of previously negotiated bill from Jefferson Capital SYST Dear Consumer Protection Bureau, XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill - Account number XXXX - about which I originally Contacted XXXX to remove from my reports, as that account was paid in full and this was years ago.
I would like to suggest that XXXX and Jefferson Capital SYST eliminate the paid XXXX bill and I would appreciate having the claim erased from my credit reports.
Thanks for your help.
XXXX XXXX
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My rights have being violated.
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 also states a consumer reporting agency can not furnish an account without my written instructions.
15 1692 C States That without previous consent from the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer n connection with collection of any debt.
Also, this company is NOT licensed and registered to operate in my state.
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A couple of months ago I reached out to XXXX XXXX about a debt that wasnt mine. I disputed it and it was removed as the agency could not provide any info. Now XX/XX/22 the same debt popped up on my report again but with a different creditors name on it. I called them immediately and they said it would need to pay for them to see it. The name was XXXX on the account. I never got any info on who they were trying to collect a debt for or the amount. He refused until I paid to have my credit report pulled. I have NEVER ever had an agency ask for me to pay so I did not.
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Just checked my credit score and have noticed a collection company XXXX XXXX XXXX has a very old debt listed as only 2 years 7 months old. This debt was back in 2012 and with XXXX over my phone bill, they could not get me a signal where i lived and i called several times to fix this, trting to cancel my contract etc. Only for them to keep charging me {$300.00} + a month for a service they was not providing. There are records of the dispute and i dont feel like i ahould ve responsiblenpaying for such a horrible service especially after trying to cancel the contract.
|
| 05/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital System a ppeared on my credit report after the original creditor XXXX XXXX deleted the account after several letters of dispute. I have never owned a XXXX XXXX account. I believe after the original creditor deleted the account from my credit report the account was sold to Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.
|
| 01/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX XXXX XXXX credit card they submitted it to Jefferson Capital debt collector and I paid off the balance I actually settled with them for a lesser amount back in XXXX of 2021 they told me once I paid it off and I settled it it will be removed off my credit report and they still have not done it because of that they lied to me I am being refused an apartment And if they can't remove it then they need to change the language and say that I settled the account in a lesser amount and remove the charge-off / collection language off of the three credit bureaus
|
| 09/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I'm getting a collections notice from Jefferson Capital Systems trying to collect an old phone bill of {$150.00} from XXXX. I had cancelled before the invoice date started for the next month. I paid the previous month and called as soon as I paid the pervious month to cancel my service indefinitely. So way before the invoice starting date. I spoke to a woman on the phone who said she would take me off no problem and there would be no fees. now suddenly, I was attempting to buy a car and 3 years later my credit score drops 100 points for something I don't even owe.
|
| 05/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
|
| 08/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
M soon to be ex-wife left me a couple of months ago. Just recently I started getting debt collection notices in the mail. She had apparently been taking credit cards and loans in my name for the last couple of years. She fraudulently has me in debt for over {$30000.00}. I have had to freeze my credit and dispute the items showing up on my credit report. I tried filing an identity theft report with the local police department, but since we are still legally married they wouldn't let me fill out a report. The local prosecuting attorney 's office did the same thing.
|
| 06/09/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Original creditor : XXXX XXXX Account : XXXX, Balance : {$560.00} Date Opened : XX/XX/XXXX Status : Collection account. {$560.00} past due as of XX/XX/XXXX.
This account was closed by creditor almost 10 years ago. Jefferson Capital Syst only tells me that debt is valid. They never provided and do no provide the original contract. They keep reporting it as a new collection account and I feel this is a fraudulent practice.
They refuse to validate the debt, they refuse to remove it from my credit report and this is affecting my families livelihood.
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021 JEFFERSON CAPITAL SYSTEM added a derogatory on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say its mine. According to the FCRA, JEFFERSON CAPITAL SYSTEM has violated my rights and I'm requesting legal action to remove account immediately.
|
| 11/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit
|
| 10/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson capital is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact Jefferson capitalal and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. Jefferson capital refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages.
I recieved three accounts from Jefferson capitan Capital on XXXX XXXX XXXX XXXX XXXX These amounts are incorrect and need to be corrected
|
| 09/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX purchased " debt '' without my permission from XXXX XXXX TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside XXXX XXXX ( which was very abusive and harassing ). They continue to call and email me.
I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so.
In violation of USC 15 1602. I could list more if needed
|
| 10/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Collection Agency representing XXXX XXXX account set up a payment arrangement that was met and completed in XX/XX/2019 and it does reflect that the debt was charged off by completion of payment and no balance owed ; however it is still on my credit report as still in collections. I was informed that because I was late paying of the last payment by 30 days, they can keep it as a delinquency for 7 years. This was supposed to come off my credit report upon completion of payments regardless if it was 30 days later than when scheduled, they were paid off in full.
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I cancelled a contract back in 2012 with XXXX due to a service not being provided. I spoke with XXXX and cleared up the charges owed and wary termination fees were also stated to be removed totaling around {$600.00}. HOWEVER. XXXX XXXX XXXX XXXX has a collections report on my credit history for {$1000.00}. In attempts to repair my credit over the last 7 years this company XXXX XXXX is the only company that will not agree to remove this old and cleared debt. I want this record removed from both XXXX and XXXX. I have disputed this several times without compliance.
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital has been trying to collect a debt that is not mine I do not know this debt they have been doing this for 25 years it was through XXXX telephone company I do not recognize the address the way they spelled my name was wrong and they had the wrong phone number I do not recognize the phone number that was dealt with this account or the name the way they spell my name is totally wrong they have the wrong last name misspelled every time I dispute this they put it back on my credit report if this has kept me from getting the home for the last 5 years
|
| 08/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had a collection agency named Jefferson Capital LLC out of XXXX, Minnesota. They have put a collection account on my credit reports that is not my debt and never had that account opened. I disputed this debt 6 times and the creditor has yet to provide me the proof of debt, and is now illegally still pursuing and reporting the collection against the Fair Debt Collection Practices Act ( FDCPA ). The account was never mine and I have seen several other stories of this collection agency illegally doing this to other people. Jefferson Capital Systems LLC XXXX, MN.
|
| 08/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX wrongly switched this account into my name after I purchased a house. This bill is from before XX/XX/XXXX and we moved in XX/XX/XXXX. This is not and has never been my bill. I've attempted to speak with both XXXX and the collection agency and they refused to provide proof this is my bill. Furthermore I've attempted to dispute this with credit bureaus and the agency declined my dispute. Further if this was mine it would be from XX/XX/XXXX and XXXX XXXX reaged the account to show it delinquent as of XX/XX/XXXX ... I did not have a XXXX account in XX/XX/XXXX.
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not sure when this contract may of been written and I have NOT RECIEVED ANY DOCUMENTION OR CALLS DIRECTLY. They have called my XXXX - however, he would not be the account holder.
I 'm requesting for this debt to be removed from my credit report immediately. The dates listed on XXXX XXXX do n't match - XX/XX/XXXX.
I 've been covered on another cellular plan for the past 3 years - therefore, I do n't think this debt is mine.
I am trying to move on in life - but, these types of debts are holding me back.
Thank you for your consideration to my request.
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My credit score was just hit by a collection agency XXXX sold this fake debt to.
My account was transferred to XXXX XXXX XXXX with a {$0.00} balance. I made my last payment before I ported over my number.
XXXX even confirmed this before my account was transferred. REMOVE THIS FROM MY CREDIT IMMEDIATELY. I DO NOT OWE YOU ANYTHING!!
I have all of my receipts to prove it. Even showing I didnt owe anything. When I call XXXX they said I owed {$230.00} as my last bill, but when I speak to another representative they state it is paying off a promotion on a device.
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Dear, I received letter from Jefferson Capital systems , LLC indicating I owed {$530.00} to XXXX, I dont know how I can owe XXXX usually I buy something and I pay XXXX and XXXX pays It to merchants, I called XXXX about It as fraudulent and XXXX couldnt provided me how i owed It and what but they closed the account as fraudulent now Jefferson Capital asking me to pay for something that I didnt purchased, I called XXXX again today I was told we dont own the account so I called Jefferson Capital and I told them that was fraudulent and XXXX closed It as fraudulent
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson Capital Systems has violated my federally protected rights under the FDCPA. I never received dispute notice. Jefferson Capital is using my consumer report with extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. You are also collecting on an time barred debt. I am not paying the alleged debt and I am putting you on notice to Cease all communications from me from all mediums including my consumer report within 15 days or I will proceed with legal matters or all violations and damages this injury caused.
|
| 05/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has placed a collection account on my XXXX, XXXX and XXXX credit bureaus.It is account number XXXX.
They say the original creditor is XXXX.I .have never ordered a XXXX card, never charged on a XXXX account, ever ; the account was opened fraudulently.It is impossible to debt validate because they have no record of me or my signature ordering anything, yet within 24 hours of an XXXX dispute, XXXX XXXX verified and XXXX won't allow another dispute saying it's frivolous The damaging account must be removed immediately from my bureau reports.
.
|
| 07/13/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
|
| 08/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$3300.00}. They are reporting that this account was opened in 2018 and is not true. I have disputed with all three credit bureaus to only be told the account is " verified ''. I have not received a signed contract nor any verification to support that this information is correct. The practice of re-aging an account is illegal and needs to be deleted from all three credit bureaus immediately. I have sent via certified mail a debt validation letter and have not received response.
|
| 04/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the second time Jefferson Capital has reported that I owe a debt to XXXX XXXX. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to Jefferson Capital System, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called XXXX XXXX.
|
| 12/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Disputed and Requested information from credit bureaus ( XXXX, XXXX, XXXX ) to verify debt from a company. Requested removal until debt could be verified. Dispute was claimed accurate with no documentation or verification give to me. I only received a single notification that it was completed with no proof of accuracy, to me, the consumer.
Debt was to a Jefferson Capital Services for a little over $ XXXX. They are false reporting and damaging my credit and name. I never had, nor have any knowledge, of an account or owing money to Jefferson Capital Systems.
|
| 12/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Jefferson Capitol has been repeatedly calling, harassing, with phone calls, and with threatening actions to collect a debt. They have been told verbally and by certified mail to stop the harassing tactics and phone calls. They have repeatedly ignored the verbal and written requests to stop the phone calls. The last phone calls, where on XX/XX/2022, XX/XX/2022. I have a call log, date, time and length of each call. The callers name, was XXXX and wouldn't provide any other information. The supervisors name was XXXX and wouldn't supply anything further either.
|
| 01/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an acct with XXXX XXXX paid my phone off XXXX bill in XXXX lol switched company XXXX gave me a hard time switching my phone over. Well here we are XXXX I am getting harassed by a company called Jefferson capital claiming I owe them they called me over 40 times XX/XX/XXXX through this week Monday I have screen shots of this. I called them I notified XXXX XXXX they keep harassing me its getting annoying I only uploaded a few photos to show you what I mean you can see the times they called and how excessive it is am I the only person they contact or what
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
There is a XXXX XXXX credit collection on my report. It is being reported by Jefferson collection services. This was just placed on my credit report XX/XX/2020. I have not had an account with XXXX XXXX. My cell phone billing has been through XXXX XXXX for several years now. I have not received one letter or one phone call pertaining to this account. This is fraudulent and not accurate. I check my credit reporting through the credit agencies almost daily. Its the only negative mark on my credit report and please do what you can to have it removed. Thank you
|
| 12/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had filed a dispute with " jeffcapsys '' that i had no knowledge of this account. On XX/XX/2019 they replied that the account information was correct and that is was going to stay on my credit report. I dont even know this company or who they are besides i never signed any agreements or documents ir contracts with this company so i would like this removed from my credit report. Besides theres 2 accounts with " jeffcapsys '' on my credit report with different amounts one for {$240.00} and the other for {$460.00} so i need these removed please and thank you
|
| 10/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I was a victim of identity theft with XXXX XXXX in XX/XX/XXXX. I contacted the XXXX XXXX fraud department immediately and notified them. In XX/XX/XXXX, I contacted XXXX.The charges were taken off my credit report.
In XX/XX/XXXX, I received notices from Jefferson Capital Systems LLC, stating they overseeing the XXXX account and now there is a charge of {$4300.00} on my credit report.
On XX/XX/XXXX, I wrote XXXX to dispute the claim. On XX/XX/XXXX, XXXX said that their investigation concluded that the charges were accurate. I take exception to that ruling.
|
| 04/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
JEFFERSON CAPITAL SYSTEMS LLC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM.
ALSO STATED : JEFFERSON CAPITAL SYSTEMS XXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS LLC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES.
THIS IS XXXX XXXX EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ).
THERE IS NO PROOF TO THE CONTRARY.
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX sent me a letter from Jefferson capital collection I am never late on this card it is paid on time every month! They put it collections and no idea why I called XXXX and agreed that my account is fine and up to date I dont understand how or why this could happen? All this did is put a negative remark on my credit report! XXXX not very happy about this and I want something done about XXXX sending out false statements to ruin my credit score! And get ahold of Jefferson capital when I called them they couldnt answer me on my issue! Thank you z XXXX XXXX
|
| 07/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose.
XXXX XXXX has been harassing me, I tried several times to amend with the company.
Please remove from my account.
Thanks
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by a company called XXXX XXXX XXXX about {$340.00} debt which was transferred by XXXX XXXX.
Creditor name is XXXX.
I used XXXX more than 10 years. If any payment issue, it always goes to my bank and credit card company.
It is typical fraud.
XXXX steal my information from my old credit report 5-10 years ago, the only one I had for collection was {$340.00} from XXXX XXXX , which was resolved back in XXXX. Disputed from XXXX. The account was closed ( XXXX XXXX charged {$200.00} for equipment, but I already returned their equipment ).
|
| 11/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This debt is a bounced check with XXXX XXXX XXXX. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently?
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information
|
| 02/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below.
- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX.
XXXX XXXX XXXX was opened on XX/XX/XXXX.
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown.
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX -Jefferson Capital System of {$1400.00} date opened unknown.
I did not open these accounts.
|
| 09/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to XXXX XXXX XXXX XXXX in XXXX of 2015 yet are still reporting it. The debt was paid in full to XXXX XXXX XXXX and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease.
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a XXXX credit card that went to collections, it was sent to Jefferson capital services, then sent to XXXX XXXX XXXX for payment. I settled this account and gas been paid since XX/XX/2022. It is still showing on credit reports as being unpaid. I contacted XXXX XXXX XXXX and they told me I needed to contact Jefferson capital services, then I contacted Jefferson capital services and they told me I had to contact XXXX XXXX XXXX since that is who collected the payments. I just want XXXX removed from all 3 of my credit reports since it has been paid.
|
| 10/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The purchase date of the vehicle is XX/XX/XXXX, the vehicle was financed by XXXX XXXX XXXX XXXX, repossessed in the state of Louisiana, and sold by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX.
Under the laws of Louisiana and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC :
|
| 08/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
The collection amount is {$300.00}. I have not been a XXXX customer since XXXX or XXXX. I was stationed overseas in XXXX when the collection account was opened. I have never been contacted or notified of a collection prior to it showing of on my credit report XXXX XX/XX/XXXX. I contacted the XXXX customer service but they said they already sold my account to Jefferson capital systems collection agency without noticing me. I didnt owe money to XXXX because when I closed my account in XXXX or XXXX, I paid all my bills over the phone with a lady from XXXX.
|
| 08/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received a ton of letters, and phone calls form Jefferson Capitol Systems over the last few years. The only time I spoke to someone ( over a year ago ), they said they were collecting from a XXXX XXXX account from XX/XX/XXXX or XX/XX/XXXX. I told them it was not my account, and that over a 15 year old account, if it was ( which it WAS NOT ). I asked them to cease and desist all calls and correspondance, and to stop trying to scam me. They no longer call, however, I still keep getting letters from them. This is a scam, and they need to be stopped.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.
|
| 02/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022. I received an unsolicited fake debt collection notice via bulk consumer mailer from Jefferson Capital Systems LLC. The notice was sent to my home address for " XXXX XXXX XXXX XXXX '' to pay an alleged debt of {$2400.00} purchased from XXXX XXXX Bank Checking ( XXXX Reference # XXXX ). I have no affiliation with XXXX XXXX, XXXX XXXX XXXX, Jefferson Capital, nor do I owe any outstanding debts. This appears to be a bulk mailer scam to trick random consumers to make payments on falsified debt information. I have included pictures of the mailer.
|
| 05/19/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
XXXX XXXX, XXXX. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future.
The balance is {$8700.00}. This letter was sent on XX/XX/2020.
This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called Jefferson Capital Systems , LLC.
The new debt collector XXXX XXXX is attempting to collect an invalid debt that has been resolved.
|
| 10/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Company claimed to have served me at my home. They lied i was in county XXXX from XX/XX/XXXX. Through XX/XX/XXXX. They claimed to served me at home XX/XX/XXXX. This is fraud. They even submitted fraud documents through courts. My wife has never heard any contact from this company either. You can confirm i was in jail in XXXX county Florida at XXXX please help to send me lawyer that specializes in illegal collection 's. I will still file on my own if needed. I've sent demand letter to Jefferson capital systems llc and have copy for courts please help.
|
| 09/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX as well as XXXX to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under my name.
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports.
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit.
Account XXXX
|
| 04/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Jefferson Capital Systems had for some reason put a collection mark on my credit account for XXXX XXXX which I paid through a debt relief company called XXXX. For some reason Jefferson Capital bought it even though I settled and paid for it! I tried calling for them to take it off but person was being rude over the phone. I tried stating that it was paid and he just kept saying that it was not his problem and wanted proof. How is it my fault if they bought the debt off a company that did not tell them it was paid. Now they wont take it off my report.
|
| 02/17/2023 |
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
|
|
Web |
|
|
I contact Jefferson Capital Systems in regarding to an account that listed on my credit report in the amount of {$5700.00}. I tried to resolve this matter on the phone several times. I have yet to reach any resolution.
In addition, I notified my information was breach thru XXXX between XXXX 2017. I file an official report regarding this breach since my data is on the dark web, and there are a couple of items on my credit report I do not recognize and I have to deal with consumer reporting agencies of my personal non-public information as a result.
|
| 12/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Respected Director Im a XXXX and this company is keep on harassing and not taking off this inappropriate debt of XXXX $ or something as originally they say it is XXXX $ and this is resulting due to identity theft and my car and documents got stolen back in 2019 of summer and I am not sure about these devices or anything. I already had a prepaid number and now Im overseas as since a year my number is cancelled and please I dont know why XXXX and Jefferson capital system is using such tactics. Please remove this false accusation from my credit thanks
|
| 09/30/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
|
| 05/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have done my research on this collection company that is reporting to my Credit Reports that I owe a debt, and in my findings I discovered via The California Secretary of State that XXXX XXXX XXXX is not, nor have they ever been bonded in the state of California to do business and/or collect debts. So i have questions : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Can you evidence your authorization to do business or operate in this state?
|
| 05/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Jefferson capital systems are trying to garnish my wages. They never contacted me or anything. They send the paperwork to my employer.. I make {$580.00} every two weeks before taxes and I get government benefits.. like year I offered to pay something, they told me it was n't enough. then decided to file bankruptcy which I 'm still in the process of doing so. In the past they have called and horrassed me at one time I was paying on this card $ XXXX month.. then I again lost my job and now that I am barely making it, after taxes bring home pay is XXXX
|
| 06/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon receiving copies of my credit reports I found this debt from XXXX. Other names included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The collection agency name was Jefferson Capital Systems. I have sent debt validation letters to multiple addresses and have gotten no validation. XXXX sends me letters back stating they sold my debt to Jefferson Capital Systems, Jefferson Capital Systems claims they can not validate and will close my account and stop trying to collect the debt. I do not recall ever getting a XXXX account or approving these charges.
|
| 05/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX. Do not owe Jefferson capital systems any money. I understand they are debt collection buyers. But I dont have a signed contract with this company. I also request company to ceast and desist and all communication should be done by postal mail. Any phone call to my work or cell or home. And I can sue per call XXXX per call. I already have a fcra attorney ready to sue if this company does not remove this account off my credit report. Per ceast and desist request this company not even suppose to have my personal information. Delete delete.
|
| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a debt for collection in the amount of XXXX from XXXX XXXX who was sold to Jefferson Capital Systems ( JCS ) and XXXX XXXX XXXX in which both companies sent me letters for debt collection, i paid the amount of XXXX to JCS on XX/XX/XXXX as a settlement and to also remove it from my credit profile. Although the account was paid, i talked to XXXX XXXX XXXX on XX/XX/XXXX still wants to collect the amount of XXXX to remove the account i had already paid to JCS. They told me JCS wasnt supposed to collect and that i still owe them the original debt.
|
| 08/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This collection company put a negative debt on my credit report I have never had any contact with anyone from this company on the phone or via mail. I do not have any knowledge of any collections from this company and I want this removed from my credit report. When collecting any debt a person must be notified and giving the right to dispute. Which I was not in the middle of Covid all of these collections companies are violating collection laws. They also reported this on my credit report as a loan and said the account type was a factoring company.
|
| 12/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN has violated the FCRA by filing a collection notice on my credit report without notice. The debt is for a XXXX account. I have never had a XXXX account. XXXX claims to have done an investigation but they would have had evidence of the XXXX credit check if I had ever had an account. So they didn't actually investigate at all outside of asking the collection company if I owed the money. How am I supposed to prove to them I've never had a XXXX account. I don't have documentation of something I've never had
|
| 11/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I never received any notification from XXXX XXXX XXXX about this debt. This debt keeps getting sold from one collection agency to another. I have disputed this debt with the three bureaus and had it removed for failure to validate because there is no contract for this debt. However, each time they sell it to another collection agency it is yet again reported to the bureaus. If there was no validation of this debt with the previous collection agency, there still isnt any with the current and it needs to be removed from all three bureaus immediately.
|
| 03/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years
|
| 01/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX, Jefferson Capital. First things first it is illegal to try an collect a debt for the original credit as the original credtor is reporting on my report. Two companies can not collect on one debt at the same time. Second I have mailed Jefferson Capital a refuse to pay and cease all communication with me. Third your document is in violation of the Fiar Debt Collection Practicies Act and the Fair Credit Reporting Act. I have attached the document you sent. Each violation is a thousand dollars. 15 U.S code 1692k Civil Liability Document Attached!
|
| 01/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This account was fraudulently under my name with XXXX XXXX. It was brought to my attention and it was closed out. They sent it out for collections years back which is how I found out about it and we absolved the situation 3 years ago. Now it has appeared again on XX/XX/XXXX on my credit, and it is stating that this collection was opened on XX/XX/XXXX which is not accurate. This account was a result of itentify theft, has been closed out.
I need debt verification of this account. Why has this reappeared again on my credit as a delinquent account?
|
| 07/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital System continues to report false information on my credit report. They are not the original creditor and I reserve all my rights under UCC 1-308 without recourse, I have no contract with Jefferson Capital System, my middle initial is XXXX and they are using XXXX. in a name that sounds like my own. I believe I'm a victim of identity theft by their company and would like this situation resolved before I seek filing charges. Under 609 of the FCRA I have rights that are being abridged. They can not swear under oath that I owe a debt.
|
| 08/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive attempted to call the number on the phone listed by the company, followed the promoted and its a dead end call no matter what option you chose. I tried every option possible, The prompt leads you to another set pre recorded messages and it automatically hangs up on you.
Ive contacted the original creditor XXXX XXXX, notified them that my identity was stolen and this is where XXXX made aware that the account was open Washington State where I never reside in.
I am following up with all 3 credit bureaus notifying them that this a fraudulent.
|
| 05/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My deceased ex boyfriend opened a XXXX account in my name in XXXX TN in XXXX I had no knowledge of this account till XXXX. I talked to XXXX and they cleaned the account on their end but Jefferson capital is still trying to collect on this account and the lady I talked to was very rude and told me its my own fault I didnt call the cops or pay my bills. I cant and wont pay a bill I dont owe. The account was opened Fraudulently and I shouldnt be held responsible for it, also there is no way to charge the other person for this debt they are deceased.
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2021, the company JEFFERSON CAPITAL SYSTEM opened a collection in the amount of {$1300.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end.
Also, they have not verified that I owe this alleged debt to this alleged company.
Please have this removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
" Jefferson Capital '' has re-aged a debt and after dispute removed from one credit reporting agency. The debt in question is illegally being reported the credit bureaus and " Jefferson Capital '' is repeatedly using illegal practices and intimidation against consumers. The XXXX page for " Jefferson Capital '' is full of complaints about illegal practices from this debt collector. After a dispute of the debt one of the the bureaus removed the account, but Jefferson Capital has refused to remove the illegal report building the FDCPA and the FCRA.
|
| 03/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
they said they would remove but didnt here is a cut and paste responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response This is in response to the correspondence we received via the Consumer Financial Protection Bureau indicating that XXXX XXXX disputes creating the XXXX XXXX XXXX debt we acquired in her name. In an effort to resolve this matter, we have terminated collection efforts on the XXXX debt and requested the credit bureaus to delete our tradeline. Thank you for the opportunity to respond.
|
| 04/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Third party debt collection company bought an outstanding loan of mine and has called my wife multiple times. The company called my wife last week ( week of XX/XX/XXXX ) and disclosed a debt as well as the dollar amount to my wife even though I was sole owner of the debt. They then proceeded to call my wife again on XX/XX/2023 trying to get ahold of me on my way to work for the night. Not only are they breaking the law by contacting a family member multiple times, they also illegally disclosed personal loan details to someone not on the account.
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company added a collection to my Credit bureaus saying I owe a debt from 2020 from XXXX. This information is false. Ive always paid my bills and do not owe any money to them or XXXX. I am disputing this debt with them and they have failed to send me the information Ive asked for which is to show me the Date I opened an account with XXXX and when the account was closed with the amount I owe to XXXX. Including my signature with the date. They have failed to give me any information only that I owe a debt I need to pay from 2020 which is false.
|
| 03/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today XX/XX/2021 I received an alert from credit agencies that Jefferson Capital placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from Jefferson Capital. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. I cant believe this collection agency actually put an account on my credit report that isnt mine, without contacting me.
|
| 12/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX Opened XX/XX/XXXX - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX - {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$460.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
|
| 09/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson Capital , LLC has sent me a letter for debt collection that is not mine in the amount of XXXX for " XXXX Business Card ''. I nd ont have any business card with XXXX, nor have I ever received any communications before this letter stating I owed any amount.
On XXXX I asked for documentation via letter to prove this change and I have not received any information from them On XX/XX/18 I noticed the debt collection hit my credit report on XXXX. I sent another letter to Jefferson Capital to remove this collection from my credit via letter.
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent documents on XX/XX/2021 indicating my remedy for violating 7 Federally Protected Consumer Rights under 15 USC 1692 and 1681 to avoid suit being filed in court. Invoice amounted to {$7000.00}, XXXX maximum for each violation committed by Jefferson Capital Systems , LLC.
All but 1 remedy was acted upon. 1 ) zero the balance on the account and 2 ) deletion/removal from consumer reporting agencies **Failure to 3 ) compensate myself for every violation labeled in attached exhibits provided to Jefferson Capital Systems , LLC that violated FDCPA
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| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX collections XXXX date of service XX/XX/2021. I have not opened any account with XXXX XXXX. I tried to contact compsny which was unable to give me any imformation. Filed dispute. My credit score had come down due to this. XXXX collections have added this amount. Called XXXX XXXX. No knowledge of me. I need this solved as soon as possible. They are crooks. I was on the phone waiting for someone to answer for 40 minutes so evidently they are doing fraudulent activity to collecg from people who do not owe. I have no knowledge of account.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The following company : JEFFERSON CAPITAL SYSTEM has fraudulently opened a fraudulent past due account and reported it as in collections on my credit report.
I never had an account with XXXX VISA BUSINESS CARD. I am now buying a house, and this fraudulent collections is putting a {$92.00} derogatory mark on my credit report, from a credit card company that has NEVER been reported on my credit report.
This remark needs to be removed and this complaint needs to be filed to help Americans protect against fraud and inaccurate credit reporting.
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted XXXX XXXX regarding account XXXX on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. Have also informed XXXX that I am a victim of identity theft and that this account is a result of identity theft as well.
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been trying to contact XXXX who placed my collection account with Jefferson capital that can not find it here are my notes XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX- they located 2 accounts jefferson capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Jefferson cap XXXX XXXX - XXXX XXXX XXXX {$720.00} balance. the account numbers are similar BUT the balance is different AND they are stating the account was discharged in bankruptcy.
The balance on my end is {$920.00}. I have never filed bankruptcy
|
| 03/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Received collections letter for {$890.00} from Jefferson Capital Systems LLC from a XXXX account. I called the number on the statement and was asked to verify my name, last 4 of ssn, account number, and address. The only information they could provide was they acquired the acct in XXXX of XXXX and that it was from a XXXX incident in XXXX.
The same day I called XXXX collections at XXXX. I verified that my account was in good standing with a XXXX balance. I never was sent to collections.
This is a debt that does not belong to me.
|
| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the FCRA re-aging is an illegal act due to 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
|
| 02/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is an old cell phone bill originally by XXXX, that occurred in XX/XX/2012 while I was in high school working a part-time job. I paid on it until my temporary job ended and it took awhile to get another part-time job. Due to limited income I was not able to continue to pay and XXXX turned the unpaid bill over to a collection company. This is now affecting my credit score and now affecting my ability to get a good job with a federal agency. I am willing to settle the account but I would like proof of the contract which I am not getting.
|
| 07/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I had a Visa credit card and fell on hard times but continued to stay in contact with them. Visa sold my account or debt to Jefferson Capital Systems , LLC. My bank account was levied in XX/XX/2019 and I was not formally notified by Jefferson Capital Systems , LLC to appear in court to dispute this judgement. I filed a claim of exception to appeal this decision to the levying officer and Jefferson Capital Systems , LLC never responded therefore allowing the levying officer to authorize my bank to release my account from a month long hold.
|
| 08/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I notified XXXX with XXXX XXXX XXXX over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from Jefferson Capital Systems , LLC who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
|
| 06/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to Jefferson Capital system which is illegal and XXXX will not remove it from my report. The amount is {$460.00} I would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.
|
| 04/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company filed a wage garnishment through XXXX XXXX ( Nebraska ) in XX/XX/XXXX. The garnishment was paid put of my pay check between XX/XX/XXXX and XX/XX/XXXX. Company is still sending letters calling daily some times XXXX a day. I contacted Company and told them several times this was paid with wage garnishment. Will not listen and trying to threaten me with another wage garnishment for something that was already paid. They refuse to look in their records or do any research and claim its my responsibility to correct their lost paperwork.
|
| 09/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud
|
| 04/18/2020 |
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
|
|
Web |
|
|
on XXXX- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with XXXX rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX
|
| 08/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have 2 debts that should not be on my account. The first one is XXXX XXXX. Originally XXXX XXXX. Its 4 yrs old and was closed a year ago and is a charge off. This new debt company reopened it and it got deleted off XXXX and XXXX. Now its back on XXXX and XXXX. The next one XXXX XXXX XXXX. That one needs to be deleted too. Its been deleted off my XXXX but not the other 2. ( XXXX and XXXX ). I am trying to clean my credit up to buy a house and I cant when these people keep adding them after theyve been closed and deleted! Please help!
|
| 10/29/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
My name is XXXX XXXX. I have a problem with a collection agency called Jefferson capital system that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all 3 credit bureaus since they cant provide that contract and no success as a active member of the military I feel this wrong and I need it fixed please hurting my credit.
|
| 09/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I received XXXX separate notices in the mail from XXXX XXXX ( a debt collection firm ) regarding XXXX separate XXXX accounts in my name. I did not open these accounts XXXX acct # XXXX or XXXX ref # XXXX for {$450.00}, XXXX acct # XXXX or XXXX ref # XXXX for {$420.00}, XXXX acct # XXXX or XXXX ref # XXXX for {$280.00}.
I never received anything previously from XXXX. only from the collection agency. I called XXXX XXXX and filed a dispute stating it was fraud/identity theft.
These XXXX XXXX accounts have showed up on my credit reports
|
| 07/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I file a complaint before about this debt for XXXX XXXX XXXX My ex wife and i had a car loan with cXXXX XXXX XXXX this loans was in XXXX. The car motor went out they repossess the vehicles. The station of limitation has expires in XXXX of XXXX i did a debt validation letter to them and they drop the balance to zero on this account .Now in XXXX of XXXX they must have sole this debt to Jefferson Capital Systems because now this collection agency have put it back on my credit report as of XXXX XXXX. This is fraud and i want it remove ASAP.
|
| 12/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I lost my social security card and few years back and I checked my credit report and noticed their were two accounts recently opened under my social security number and I tried to dispute those accounts so they can be closed and off my credit but its saying the account stuff is accurate and I physically went and opened those accounts when I never have any acknowledgment of these accounts even being opened in my name. Someone else is using my social security number without my permission and charging things to my credit making it go down.
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose also exposing charged off accounts and late payments to the public Please help me delete all inaccurate information
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS.
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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Jefferson capital systems XXXX date opened XX/XX/2020 original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid
|
| 07/07/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX
|
| 02/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.
|
| 02/03/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
|
| 10/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 10/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 10/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 09/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 09/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 09/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 08/16/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have made several attempts to have this corrected. My credit file is being mixed up with someone else who has a similar name and social as mine. I mailed a letter asking Jefferson Capital Systems to verify the debt owner on XX/XX/XXXX. I never received a response, but it shows up on my credit with a note stating it meets FCRA requirements. I mailed a letter on XX/XX/XXXX requesting to see what information was used to verify the debt. I have not received any communication from Jefferson Capital Systems. It has been more than 30 days.
|
| 12/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and XXXX was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to Jefferson Capital in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.
|
| 05/24/2021 |
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
|
|
Web |
|
|
Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
when i first saw this collection on all 3 of my reports for jefferson capital systems ( XXXX XXXX ) XXXX for amount of XXXX dollars- i sent out a debt validation letter to jefferson capital systems in XXXX XXXX never got a response back from them, i disputed this multiple times to all 3 credit bureaus and it came back verifed how can that be when they wouldnt validate this debt. still to this day i have not heard back from jefferson capital for validation. THEY NEED TO DELETE THIS COLLECTION from all 3 my credit report IMMMEDIATELY.
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Receiving multiple letters and Phone calls from Jefferson Capital Systems LLC ( Address : XXXX XXXX XXXX XXXX, NC XXXX ) Saying we owe a debt in the hundreds for which we are not familiar with the vendor and that they could take legal action or sue.
We were hit with anxiety and panic and XXXX searched the company turns out 80 % of web pages brought up are warnings that this is a scam.
We are on top of our finances at the moment and want to stopped being harassed with a hoax company and false information threatening legal action.
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson CapitalSystems has reported a collection account to my XXXX, XXXX & XXXX credit files. I do not owe this alleged debt. If Jeffersonhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Jefferson Collections has no legal right to attempt to collect a debt. Jefferson has not validated this debt nor sent me a notice of collection. Jefferson is inviolation of the FCRA.
|
| 05/31/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX and jefferson capital are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX account was fraudulently opened in my name. ive been trying to reach XXXX via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!
|
| 04/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have already disputed this debt with XXXX XXXX, I disputed that the debt was not mine they could not produce any documents that would validate, they were told that a ftc fraud affidavit would be made if they didn't correct there mistake. They removed it from the credit reports, now they have sold the debt to XXXX XXXX, I have filed the fraud affidavit with the FTC and submitted it to the credit report agency 's, if XXXX XXXX doesn't remove from all three credit report agency 's, I shall be force to take legal action against them.
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Jefferson Capital Systems , Inc.a collection agency has reported to XXXX and XXXX credit bureau 's of an alleged debt to a cell phone carrier named XXXX . I contacted XXXX and requested that they send me a detailed report of the alleged services they provided me with the dollar amount they were claiming. I was advised that those records were no longer available due to the age of the of the account. I have requested in writing from Jefferson Capital Systems to provide documented proof of this alleged debt with no response from them.
|
| 07/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I see a new item with JEFFERSON CAPITAL SYSTEMS as XXXX XXXX. The reported debt is listed for {$260.00}, and recorded as in collections starting XX/XX/2022. The XXXX account is not from recent years and in my knowledge, was closed out without a balance and paid. I have not received any proof/verification of the debt from JEFFERSON CAPITAL SYSTEMS, nor details about when the debt was purchased. This is damaging to my credit reports and scores. I have also contacted XXXX in the past for debt verification, and it was never furnished.
|
| 12/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX, 2017 XXXX XXXX XXXX called my phone attempting to collect a debt. I told them I was unsure this debt was mine, and I asked for a letter of validation. The representative on the phone would not send a validation letter, but said he would settle the debt for 50 % of the price and send a letter in the mail stating that the debt was paid. I am reporting this company for refusing to send validation. I was on the phone for 5 minuets and 10 seconds, which is more than enough time to tell me they would send a validation letter.
|
| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXXefferson Capital Systems has been reporting a collection on behalf of an original creditor of XXXX XXXX. I have disputed this several times, as I have not had a XXXX XXXX service. When I call Jefferson, they tell me XXXX XXXX is now handling this, and they are unable to provide me any information. I call XXXX XXXX and they tell me Jefferson is handling this and I have to contact them. All I want is some sort of bill and proof of account and they can not even tell me anything about this file. This needs removed from my credit!
|
| 06/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a debt of {$3100.00} from XXXX XXXXXXXX XXXX ( handed over to Jefferson Capital System ) that was opened fraudulently XXXX XX/XX/2021 while I was XXXX in XXXX and I have been harassed about this ever since. I have submitted 3 disputes to XXXX and XXXX. This company continues to call and harass me as well as mail me statements claiming they will reduce it if I pay a certain amount. On XXXX XXXX, it shows on XXXX and XXXX but when I log into XXXX site it does not show at all. I am not liable for a loan I never requested.
|
| 12/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The statute of limitations for this debt from XXXX should apply. Jefferson Capital Systems , LLC has tried collecting on an old debt purchased from XXXX XXXX XXXX through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement.
XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.
|
| 08/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.
|
| 12/12/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i have contacted jefferson capital syst for a debt validation letter so many times but they did not provide it to me. then i received a letter from another third party named XXXX XXXX who said to be representing this same debt. i requested for debt validation again but none was sent to me. this matter is confusing as this looks suspicious. different companies contacting me that they are representing another third party company. i do not recognize any of this so i am asking them to stop contacting and delete this off my report.
|
| 09/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Jefferson Capital Systems fraudently opened a collection account on XXXX, XXXX and XXXX. This has damaged my credit score by over XXXX points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and all they sent was my account information. This information was not enough to justify the debt and negative mark on my credit. They never sent a debt verification letter like I requested. They said my account was open on XX/XX/XXXX and reported to credit report as of XX/XX/.
|
| 09/14/2022 |
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
|
|
Web |
Older American |
|
As per my request for full VALIDATION OF THE DEBIT submitted through XXXX ( ref no. XXXX ) the JEFFERSON CAPITAL SYSTEMS XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services.
I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.
|
| 03/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
JEFFERSON CAPITAL SYSTEMS XXXX...
|
| 12/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I switched to XXXX from XXXX with the promise by XXXX to pay my 2 phones off. Months later, I received a letter informing me that XXXX had not paid the phones off.
I was offered a {$500.00} settlement by XXXX debt collector XXXX XXXX And XXXX XXXX, from OH. On XXXX, I made the payment for {$500.00} using my debit card.
But every few months, XXXX continues to hand the already paid debt to other collectors. My credit continues to take unfair hits for this.
I am being harassed and harmed by this unethical behavior.
XXXX.
|
| 08/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Since XX/XX/2022, Jefferson Capital has repeatedly used deceptive, false and misleading practices. They first tried to collect a debt in California even though they were not licensed in the state to properly conduct business. They also threatened to sue me, told me to seek a lawyer and told me the account is being sent to a lawyer but then stated maybe not which they can not make that assumption which would be considered a threat not an action. This company is using shady and harassing business practices and should be fined.
|
| 02/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was notified through email that I had a new negative credit alert. I checked the alert and it said that I have been sent to collections with Jefferson Capital for {$9400.00} on XX/XX/XXXX. The original debt was apparently placed through XXXX XXXX on XX/XX/XXXX. I did not open this account and was not aware of the account until XX/XX/XXXX. I have notified Jefferson Capital and Filed a dispute and I also filed a dispute through XXXX.
I have not received any documentation about the debt aside from the credit alert on XXXX.
|
| 12/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello I have been going back and forth with this company since XXXX I filled a complaint with cfpb in XX/XX/XXXX but never heard back till last week they sent an email that they have sold this debt to a company called Jefferson Capital Systems , LLC I tried to contact this Jefferson capital to tell them not to attempt to report anything on my credit for 2 reasons one is that i have disputed this with affirm from day one and that this has been going on since XXXX which is 8 years they said they still don't have this account i
|
| 12/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dear CFPB, I check my credit report weekly as I am working diligently to repair my credit report. It affects how much I pay for everything. Today I logged in to XXXX XXXX and my score dropped over 50 points. My jaw hit the floor. It was a collection account that was added. I never received one letter of collection nor did I receive a phone call. I am in the process of moving and this just bumped me out of qualifying for our new place and we gave notice that we are moving. I can being to tell you how violated and upset Ifeel.
|
| 10/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Jefferson Capital LLC stating that I owe XXXX XXXX and the amount owed is {$56.00}. I have never had XXXX XXXX XXXX a day in my entire life. I tried to call and explain that to them. They kept asking me for my social security number. I asked them how did they obtain my personal information and they didnt answer me. The fake account # is XXXX and the reference # is XXXX. Im distraught because I know this is fraud! Please help! I dont know how they got my personal information. This is not my account
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector JEFFERSON CAPITAL SYSTEM has added false collection on my credit report in the amount of {$1800.00} and I am not aware of it. Ive tried to dispute the collection and results came back threatening to take legal actions with FALSE information they have. Along with it being reported, it added a residential address I never lived in or have any knowledge or connections to that address. The address fraudulently reported on my credit report attached to his collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
( XX/XX/XXXX creditor name XXXX XXXX individual account XXXX $ Owed Stating that the account has been overdue by 120 days and is writing a charge off the account for taxes purposes XX/XX/XXXX opening date limit XXXX $ monthly payment XXXX $ ) this is all the information I gathered from my derogatory mark on my credit report affecting my credit score because of a this fake account or this whole report I am completely unfamiliar with me ( XXXX XXXX ) this information on my Credit report is false and it doesnt match my records
|
| 04/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Several disputes has been filed to have this item removed from my credit file. I never opened an account with XXXX or XXXX XXXX XXXX.
Dates disputes has been filed with credit bureaus regarding this company was on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And this account still has not been removed from my credit file. I don't even use my credit for anything, I have a nothing on my credit file. I'm a XXXX year old XXXX XXXX, that don't even understand how to use my credit. Therefore, this account can't possibly belong to me.
|
| 12/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX is claiming I owe them a debt. They have not verified the amount which is incorrect, have re-aged the date ( claiming the " delinquency '' is newer than it really is ). Falsely reported it to the credit bureaus, even though another company they contracted with stated they would not be reporting it, and did not notify me they were attempting to collect on a time-barred account, as per XXXX XXXXXXXX XXXX. They also have not provided any documentation that would prove they have a legal ownership of the alleged debt.
|
| 02/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
|
| 12/23/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
In 2014 my debit card with XXXX was compromised and the issue was corrected. There is a letter from the company, case with Illinois Attorney General, and affidavit. This matter was resolved years ago and I owe nothing. This was theft and a debit card. This company almost three years later is reporting false information to XXXX and XXXX. They have been falsely reporting a closed matter on my credit report for two months. I was never given proper notice that this debt was being reported until I checked my credit report today
|
| 08/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I received a letter in the mail from Jefferson capital for a collect of {$580.00} I have reached out to this company and explained that I have no acknowledgment of this debt and that this is not me who has opened this account and asked him to normal or contact me and to report this as a fraudulent accounts. Around XX/XX/2023 Next company XXXX XXXX XXXX I have tried to dispute and explain multiple times. I have no acknowledgment of this account and that this is also not me and this is fraudulent.For the amount of {$510.00}
|
| 03/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2016 I opened a XXXX Account. XXXX had accidentally opened 2 accounts at the same time. The second account was supposed to be closed and was never activated or used. JEFFERSON CAPITAL SYSTEMS had ( 2 ) collection accounts for the same date range and approximately the same dollar amount. I paid the account that was tied to my phone number. Aftervmultiple disputes JEFFERSON CAPITAL SYSTEMS is still refusing to remove the {$750.00} collection account from my credit report. XXXX also has no record on file for this account
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times and will have to take this up with the better business bureau and FTC as it’s not being corrected . XXXX has failed to remove an account who the original creditor XXXX agreed to have it deleted but XXXX has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX conducted stated they would.
|
| 01/06/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX account opened XX/XX/XXXX after disputed information XXXX removed from credit This XXXX adds collection XX/XX/XXXX ( 9 months after removal ) of a debt of XXXX " original creditor XXXX '' and the account opened " XX/XX/XXXX '' I have not had a XXXX account since XXXX, which XXXX properly reported. XXXX sold the debt after removing it on a 7 year reporting, then buying company reports the account opened when they purchased it not the original creditor account opening.
They also have no original account number.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
JEFFERSON CAPITAL, XXXX And XXXX is showing on my credit report as a collection account. I had these accounts removed a year ago due to Fraud but it is now back on my credit report! I have never had any accounts with this company I do not know what this is for! I already called this company a year ago and advised them that this is FRAUD! It was removed but now they are reporting it again! THIS IS FRAUD I DONT USE CREDIT CARDS! My Credit is perfect NO LATES OR DELINQUENCY EVER! Please remove from my Credit Report! Thanks!
|
| 10/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.
|
| 10/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid $ XXXX something which was the amt we agreed upon. She asked how i much i felt like i owed and that presented our agreement amt. She told me that this took care of the whole bill so i do not know where this amt is coming from. This debt originated well over 5 yrs ago but they keep selling it to new collectors. Should this not be removed based on the original date instead making it appear to be a new debt each time a new company gets it? I would greatly appreciate your reoresentation to get this resolved. Thank you
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, the debt is being reported from Jefferson Capital Systems which was sold as a debt from XXXX XXXX for {$54.00}. They said that XXXX charged it off back in XXXX of XXXX and they received the account in XXXX to send me a letter in XXXX to an address I haven't lived at in 4-5 years. I contacted them today XX/XX/XXXX to dispute it with them because my number was ported out with XXXX and in order to port out the account balance must XXXX, and also the fact that I was not contacted about anything owed in all this time.
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Jefferson Capital System is a debt collector that is repeatedly damaging credit by reporting the same collection. This collection is a 7 year plus collection that was originally owed by XXXX XXXX in the amount of {$860.00}. It's very unlawful to continue reporting to the credit bureau on an account such is this. The original date of this collection continuously changing. Making this debt repeat multiple time a year to the Credit Bureau. The attempt to collect a debt as old as this one is very damaging to someone credit.
|
| 11/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received mail from XXXX saying a last payment was sent to a debt collector. I called XXXX to inform them that Ive never opened a phone account with them and that this is a result of identify theft. XXXX connected me to the debt collector. The debt collector said there is nothing they can do and that I have to pay the debt. Ive submitted a police report as well as submitting a compliment with XXXX XXXX insuring that this was not my debt and my identity was taken. Ive been on a XXXX line with my aunt since XXXX - XXXX.
|
| 04/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, I have been calls between the hours of XXXX XXXX. in reguards to an out dated debt of {$150.00} the person claimed to be representing Jefferson Capital Systems , LLC I was informed that if I do not pay the amount in question that my bank account, will subject to asset sizure. Including notifying credit card companies and reporting to all three credit reporting companies also stated that " they Jefferson Capital a group of people to place of home to obtain payment if not done so my place will be burned. ''
|
| 08/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I asked to have the debt verified which it was not in XXXX and then after that its been repeated calls from this company to my phone using multiple numbers. These are the numbers they have used to call me : XXXX that was XX/XX/XXXX, XXXX XX/XX/XXXX,XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. There are many many more that I can list on top of that they send letter to my home. Ive asked to be taken off their call list in XXXX. It has not stopped and I feel vey haressed at this point
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( s ) -XXXX XXXXI : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a unsecured loan with XXXX XXXX XXXX XXXX. It was charged off and sold to Jefferson capital systems llc. We worked out an agreed upon settlement to pay off the debt. I reached out to XXXX to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to Jefferson capital. Jefferson capital said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.
|
| 11/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX XXXX, I observed a decline of over XXXX XXXX in my credit score linked to Jefferson Capital , a company I believe XXXX enlisted to collect a debt wrongly attributed to me. Despite providing a recording from XXXX acknowledging the fraud, they insist on a police report, contrary to their policy. I declined to obtain a police report, and they persist in keeping the issue open, neglecting to resolve the erroneous debt. If you have an email, I will be happy to send you the voice recording between XXXX and myself.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/20XXXX XXXX XXXXXXXX Account XXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX JEFFERSON CAPITAL SYSTEMS Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector XXXX XXXX XXXX Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.
|
| 05/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I reached out to the debt collection agency and they agreed to a pay-to-delete solution. There were two accounts that were supposed to be deleted from my credit report but are still being reported on my report. After 30 days I reached out to the original creditor and provided them with proof of payments and they said they would update the information but never did. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting these items on each other.
|
| 03/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEM has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
|
| 08/25/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I purchased a vehicle that was totaled in an accident. The original lien holder was paid by XXXX and Gap insurance. This left a balance of roughly 2000. I received a letter from Jefferson capital a debt collection agency advising they own the debt and offered a settlement on the account. I received a call from Jefferson capital today and was advised the balance is now over 4k and they offered a settlement of XXXX. They are using deceptive practices in an attempt to collect on the deficiency balance which is not legal
|
| 01/23/2020 |
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
|
|
Web |
Servicemember |
|
Jefferson Capital System has inaccurately aged a collection account they purchased from XXXX XXXX as new debt in an attempt to continue collection activities. Despite having disputed this information with credit reporting agencies and directly writing to Jefferson Capital ( with no response ) they refuse to provide any information to justify attempting to collect beyond the seven years from date of default with the ORIGINAL creditor, not seven years from when the collection agency purchased or has consigned the debt.
|
| 06/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received information from the collections agency. I asked for additional information in writing in XX/XX/2022 as I had no idea what the debt was related to. I again requested the same information twice when the collector sent attempts to collect a debt without details of the original debt. I never received any verification of the debt. I found the account on my XXXX file and found that it was related to XXXX and XXXX. I attempted to dispute the charge and request additional information through XXXX, to no success.
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company, i.e., JEFFERSON CAPITAL SYSTEMS LLC ; Dept. # XXXX ; XXXX XXXX XXXX ; XXXX, AL XXXX been harassing myself about a XXXX XXXX bill from year 2012 that was created by being a victim of identity theft.
I have contacted them on three occasions mainly via phone to disease and desist from attempting to collect a debt that they do not have any legal standing to collect. I warned them they are in violation of Regulations E ; and Z of the Federal Code of Regulations ; also federal statute under Title 15, USCA.
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debit from XXXX is showing as in collections on my credit report.
Date Open is stating on XX/XX/XXXX, XXXX creditor -XXXX for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them.
I have the orginal documentaion available.
|
| 08/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today is XX/XX/2022 and I have received a notice from Jefferson Capital stating that I am being pursued for a debt of {$430.00}. The letter is dated for XX/XX/2022 and states that XX/XX/2022 was my last day to dispute the matter.
I unfortunately was not able to check my mail from the dates of XXXX XXXX- XXXX XXXX due to me being out of town because of the death of my Grandmother. I was completely unaware of this matter.
I can not even recall receiving any calls or voicemails from anyone about this debt collection.
|
| 10/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX direct marketing is a very old debt that keeps selling my information to collection agencies. This debt is so old that I honestly dont recall the date of inception. It is negatively affecting my credit. The collection agency is showing a date of 2016 which is definitely incorrect. The debt is for {$490.00} and that is also incorrect. No product XXXX sells costs that much. Due to this collection on my credit report, my score is severely affected. I have made attempts to get this removed by phone but to no avail.
|
| 04/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Iam writing in regards to the debt that you have been attempting to collect from me Jefferson Capital. I must express my concerns regarding the tactics that your company has employed in attempting to collect this debt that does not belong to me. I want to make it clear i do not owe this debt. Please be advised that iam aware of my rights under the Fair Debt Collection Practices Act and i will not hesitate to take legal action of your company continues to harass me in attempting to collect this debt that is NOT mine
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
|
| 09/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I do not recall giving permission to XXXX XXXX to release my medical information to a third party. Medical services rendered are not equal to fees charged in the amount of {$2000.00}. This issue was inquired about and disputed in XX/XX/2022. Dispute was closed with none of my inquiries being addressed.
Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to the third party
|
| 05/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.
|
| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had paid debt collection XXXX on XX/XX/2023 amount {$110.00}. XXXX sold info to collection agency Jefferson Capital System XXXX XXXX XXXX. XXXX XXXX, mn XXXX. Contacted Jefferson several times number XXXX that needed letter sent me debt collection and that already paid debt XXXX Jefferson agency stated that never received payment XXXX XX/XX/2023. Due have reference from XXXX XXXX # XXXX. Also requested debt letter company stating payment owed never received one. Due that collection already paid XXXX XX/XX/2023.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called Jefferson Capital to settle a debt of XXXX and have it removed from my credit ..they gave me a settlement amount for XXXX and they said I can pay that and they will have all three bureaus remove it once paid ... I paid this amount on XX/XX/2020..confirmation # XXXX ... the account updated on my credit and now shows a balance of one thousand and some dollars ... .I paid the settlement amount in full and when I call the customer service number it says o have XXXX balance please help and remove this account
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Jefferson Capital Systems LLC, Keeps Falsely Reporting To XXXX, XXXX, And XXXX Credit bureaus, XXXX XXXX Account Was Opened in XXXX Not XXXX Jefferson Capital System Is Highly Impacting My Credit And My life Negatively. They Also Keep False Last Reporting To Present Time When I have Never ever Spoken To Them Or Set Any Arrangement With Them. I Have Made Disputes With The Three Credit Bureaus, Only XXXX Has Taken Action And Removed The Collection Off My XXXX Credit Account, XXXX And XXXX Has Not Taken Action Yet
|
| 12/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was on a company phone plan which used XXXX and upon changing jobs needed to get onto my own phone plan. I had intended to just keep using XXXX, ultimately they could not get my phone to work and switched providers, but eventually I started to receive a bill just for getting of my company plan. They were never able to provide any such agreement or reason that would require this exorbitant {$350.00} cost and said the issue could not be resolved and was sent to debt collectors who have been harassing me since.
|
| 09/19/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account.
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
|
| 06/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
All three bureaus deleted XXXX XXXX from my credit report at the end of XXXX. Within the next week of deletion XXXX XXXX XXXX appears on my credit report. There were no notification from this company that they were collecting any debt as a third party or anything. I requested a debt verification and a cease from collecting until the requested debt verification is verified by me. I do n't know if this company is licensed to collect debt. This company has not contacted or called me at all regarding this account.
|
| 10/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a victim of identity dei have but notified of lawsuits pendant and outstanding debt that is not mine I have corrected this with several companies but XXXX XXXX XXXX has summons me with lawsuit paper of with a default judgment was granted due to me know being educated and on giving aple time to prepare for my case I have no knowledge of said company and have requested Jefferson capital to send me proof of debt which the refuse to send causing the end result of said lawsuit to be rendered in there favor
|
| 02/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEMS has reported a collection account to XXXX without my expressed written consent pursuant to 15 USC 1692c ( b ). This is fraud. It is also a direct violation of 15 USC 1692e - False or Misleading Representations under 15 USC 1692e ( 8 ) because credit information that is known to be false is being communicated to consumer reporting agencies. This company violates 15 USC 1692g - Validation of Debts, as well for the reason that I was never never sent a written notice to dispute the debt.
|
| 08/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was reviewing my credit report & noticed a collection account by the name of Jefferson Capital Systems. I dont recall seeing a written contract between myself & Jefferson Capital systems. It is my understanding that if they can not provide proof of this being my debt that it must be removed. According to the FDCPA, they must provide adequate proof showing that this debt is in fact mines, if theres no proof then this must be removed from my credit profile. Computer printouts of billing statements arent proof
|
| 01/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
|
| 05/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A company by the name of Jefferson Capital Systems , LLC ( JCS ) has made XXXX attempts at collecting a debt related to an overdrawn checking account from XXXX XXXX XXXX. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''.
I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.
|
| 10/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 04/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My name is XXXX XXXX I was sent by mail this notice from Jefferson Capital system LLC on XX/XX/2019. Which arrived to me on XX/XX/2019 them amount is in the sum of {$150.00} but has been reduced to an offer of {$93.00}. On that day of XX/XX/2019 I have contacted there customer service department and explained to them that the XXXX XXXX XXXX in question was paid off and the account has been closed. For well over 10 years and not been sent any notices of payment from Jefferson Capital. during that time frame.
|
| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
JEFFERSON SYSTEM LLC FROM XXXX XXXX MN.
REGARDING 5 YEAR OLD XXXX DEBT I AM XXXX, SET THEM A LETTER AFTER 4 YEARS ( WINDOW OF TIME IN PA ). AFTER THE 4 YEAR PERIOD + TOLD THEM BY MAIL THAT THEY WERE NOT TO CONTACT ME REGARDING DEBT.
THIS XXXX AT XXXX RECEIVED A CALL THAT THEY ARE TRYING TO COLLECT A DEBT AND THEY COULD TAKE LEGAL ACTION. OUT RIGHT LYING, 1 ) VIOLATING AFTER BY MAIL INSTRUCTED THEM NOT TO 2 ) OUTSIDE THE PA 4 YEAR WIMDOW 3 ) THE IMPLIED THREAT OF ANY POSSIBLE LEGAL ACTION THEY MAY TAKE.
|
| 10/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX sold my information to a Debt agency and I was never given notice of them doing it. I've called XXXX numerous times letting them know that when I called to canceled service there representative told me that there was no balance due and the service was canceled and closed. I know go on my credit report and have a company that I know nothing about and I never gave them my information reporting a negative impact towards my credit. I knew nothing about this debt nor was I even given a chance to dispute it.
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed the information and dates relating to a XXXX collections account on my report from XXXX XXXX XXXX and despite showing them previous credit reports that XXXX illegally re-aged my account, they verified it as accurate. My current credit report shows that a XXXX collections was opened on XXXX XXXX, however, I have a credit report from XXXX XXXX that shows XXXX was in collections from XXXX and charged off in XXXX XXXX so they have re-aged the account and should be removed for illegal practices.
|
| 03/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Called the debt collection company Jefferson Capital System about a debt that showed up on my credit report for {$3800.00} on XXXX XXXX XXXX. Company uses an automatic service, reach a fraud representative who asked for my last four of my social and address. I was told my debt was sent to another company. I was giving the phone number ( XXXX ) XXXX which is not a working number. Something isnt right about this and its effecting my credit. Now the other collection company want answering any of my questions.
|
| 08/20/2017 |
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
|
|
Web |
Servicemember |
|
They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.
|
| 03/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i am constantly and have been constantly disputing this account with this company for inaccurate reporting because they debt their reporting does n't belong to me. i am getting frustrated and i need this to stop. i will not pay for an account that is being reported inaccurately, that 's a scam and i 'm so tired of this company and their aggressiveness about getting me to pay for something that i have no attachments too. i 'm about ready to file a law suit, their reporting inaccurately and bullying people.
|
| 08/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am XXXX XXXX submitting this complaint against Jefferson Capital System and there is no third party involved. Jefferson Capital System did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
|
| 07/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I noticed a debt from XXXX XXXX on my credit report.. The only account I had was in XXXX.. I continued to dispute that this should be removed from my credit report.. and I don't recognize the amount owed.. I have the right to this only being on my credit report for 7yrs.. I've not had any other accounts with XXXX XXXX except for a prepaid account in which I paid monthly.. that wouldn't lead to overage in debt. I've disputed relentlessly with the credit bureaus.. I'm not sure why this hasn't been removed.
|
| 05/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
disputed XXXX bill was put into collections in the year 2006, no action was taken by XXXX at that time. now a collection company by the name of jefferson capital is trying to collect the amount owed to XXXX and it has been over 10 years from the date we had the dispute on the phone service plus it was on the credit report still. ilooked online about jefferson capital and a lot of the reviews said that they change the dates of the collection dates so they dont go over the 7 years allowed by law to collect
|
| 10/25/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS I NEVER RECEIVED A DUNNING LETTER FOR THIS DEBT
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023 I paid a past due debt with XXXXXXXX XXXX card. On XX/XX/2023 I received a letter from Jefferson Capitol regarding this debt as unpaid. On XX/XX/2023 I reached out to Jefferson Capitol and was directed to call XXXX. I then chatted online with XXXX from XXXX and was directed to call Jefferson capitol. I once again called Jefferson Capitol and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.
|
| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This complaint is towards Jefferson Capital Systems. There is a collection on my account from XXXXXXXX XXXX that I have disputed various times. I have included the fraud report issued due to my previous spouse opening the account without my knowledge. To add to XXXX illegal tactics that have re-aged this account multiple times. This account was opened in XXXX and went unpaid during that time. This account however shows opened XXXX. I have made continuous attempts to get this resolved with no resolution.
|
| 11/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine.
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.
|
| 06/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i have been fighting this charge since XXXX of XXXX on XXXX I sent another letter to the original debt company asking to verify that this is mine. They keep selling to different collection agencies saying failure to pay every month so they can keep this updated on my account ( they are re aging my account every month ) and they are failing to verify this collection. the fact of matter is my last payment last payment to the ORIGINAL creditor was paid XX/XX/XXXX. I was told this is a violation of the law.
|
| 09/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson capital emailed me saying I owed XXXX XXXX. I called and asked them to provide details for this claim. What service was provided, when and do they have original invoice. They did not have this information and said theyd file a dispute. I have now received a letter from Jefferson Capital telling me theyre unable to resolve the request and asking ME to provide my SSN, account number, description of error etc.
I dont have any such information as I dont recognize the debt. I just feel harassed.
|
| 02/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have XXXX a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I see on my credit report that Jefferson capitol systems is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to Jefferson Capitol systems. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Jefferson capital syst / orig creditor XXXX XXXX AMOUNT OWED - XXXX Date account opened XX/XX/2018 XXXX XXXX XXXX AMOUNT OWED- {$690.00} Dates opened XX/XX/2018 Ive asked both these debt collectors to remove this from my credit report nothing has changed Ive reached out to all 3 major credit bureaus and disputed vigorously still nothing has been done Ive sent credit letters with proof that I was incarcerated at the time of these accounts being opened, now Im being challenged to produce a police report
|
| 05/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson capital reference XXXX Original creditor XXXX XXXX XXXX XXXX We have an agreement that pay only certain amount. they give an discount not to pay all the amount that initial was. XXXX. We agree to it pay {$830.00}.
I pay XX/XX/XXXX {$270.00} I pay XX/XX/XXXX {$57.00} I pay XX/XX/XXXX {$120.00} I pay XX/XX/XXXX {$120.00} I only own them {$250.00} between XX/XX/XXXX and XX/XX/XXXX. And my account of transunion said I own them more than {$800.00}. And that no true. I will appreciate your help.
|
| 04/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have 2 collections reporting on my credit reports from XXXX XXXX XXXX. I want these account properly verified and validated according to the law and the FDCRA.
There is no way this collection agency is able to do that because I have no knowledge of the accounts reporting and I have never had Services with XXXX XXXX. They have also added another collection claiming they are collecting for XXXX XXXX XXXX, also something I know nothing about.
These collections are damaging my reports and my good name
|
| 06/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
|
| 10/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2013 I closed my account with XXXX and returned the phone I had leased through them. I was told that there would be no further billings from them. Recently while applying for a home loan I discovered there was a {$2000.00} collection taken out against me and have been unable to contact a representative who was able to explain where this debt came from. I have also tried to dispute this account now held by Jefferson Capital with the credit bureaus. I do not believe this is a justifiable debt.
|
| 05/29/2021 |
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
|
|
Web |
|
|
There was a XXXX bill from 2014 that was last active in XXXX 2014 and then XXXX closed it and it went to collections with Jefferson Capital Systems. Despite the fact that the Federal Statute of Limitations is 2 years on cell phone bills and the Minnesota statute of limitations is 6 years this is still on my report going into 7 years now. I have disputed it with XXXX, XXXX and XXXX and they keep turning it down for taking it off my report which I think is a violation of the fair credit reporting act.
|
| 07/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Jefferson Capital Systems is showing that I opened an account with them. I have never had any dealings with company, no knowledge of the account with them and never authorized any charges or opened an account with them. When I disputed this with The credit bureau this company changed dates to look like I opened an account with them in XX/XX/2019. They keep updating their dates to make it seem like a current account to negatively impact my credit. I dont know anything about this company. Please help.
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have been dealing with Jefferson Capital for many years. They harass me from a bill that is 14 years old and was taken care of 13 years ago. They still will not leave me alone. They have gone over the Statute of Limitations and will not clear the debt that has been paid. They have been harassing me all these years for {$1000.00}, I can not take it any more. I have contacted them and they are so pushy they do not want to get off the phone with you without you paying them money that you do not owe.
|
| 01/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had received multiple phone callls from a debt collector that I had no knowledge of after I said I didnt own a vehicle and that I was not going to pay the debt collector because my auto loan account was sold or given to another company/debt collection agency the gentleman then said Ill go ahead and make sure your credit and your life is put under fraud and then proceeded to say I will also get you deported because he was a fbi agent then he hung up the phone and all my information was then hacked
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent documents certified via XXXX to have debt verified, not validated. Debt was me never verified, their final contract was never produced, and fraud was committed when my private intelicual property a d data source was released to a third part without consent or premisson. Identify the rig has taken place seeing how there has never been consent to releases my private information to any third party company and identify theft repost is being filed as well as claim with the attorney general and FTC
|
| 06/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I contacted this company on XX/XX/2021 to validate the debt on XXXX accounts. They responded to me stating they were unable to validate the debt and they would no longer be trying to collect on the debt and they would be contacting the credit bureaus to have the debts deleted/removed. The company removed the debt from one credit bureau and then placed it back on my credit report, so it is still showing on all credit bureaus even after they stated they couldn't verify and would be having it removed.
|
| 02/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX is taking care all my credit but still is hard because the XXXX XXXX debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Jefferson Capital systems LLC, is trying to collect a debt that is 5 years old in the amount of {$740.00}. The company is reporting that it was opened during the 2022 in XXXX. They are also trying to collect debt in a state that are not licensed in. I have submitted 3 disputes which all have went ignored and unchanged.
I have never revived any letters from this company, I have not provided any proof to this company for them to verify anything. Everything theyre reporting is erroneous information.
|
| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
I am a victim of identity theft. The account was opened by someone in XXXX XXXX Texas which is around XXXX miles from my house which we have owned since XXXX. The account was opened around XXXX. The original account was from XXXX wireless and later transferred to Jefferson capital systems. The amount owed is XXXX. I contacted XXXX as soon as I saw it and tried to get it removed. I have tried to work with Jefferson capital and they have made me reduced debt offers but are still over a XXXX dollars.
|
| 04/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notification from a company called jefferson capital systems LLC requesting payment of {$230.00}. the debt is not mines and dated/charged off period of XXXX reporting the negative mark was well within their right, even if it damages my credit standing. As granted by the fair debt collection practices act, I've also fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for their tradeline to remain on my file accept to maltreat, harass etc.
|
| 11/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also because my credit was affected by the XXXX Data Breach and I have put a freeze on my credit profile because I dont want any one to get access to my information. I have paid for the monitoring service from XXXX since the free credit monitoring service was provided through XXXX for customers. I believe it ended in XXXX and I've been paying for a monthly subscription since XXXX of XXXX
|
| 06/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was a victim of identity theft. There are XXXX accounts in collection on my consumer report. I have never done any business with. Nor have I signed any agreement to contract. I have no clue who they are or how they obtained my personal identifiable account information without my permission. If this is a third party collection agency I never consented to sharing or use of my information. I have filed an identity theft report and can provide a copy of my copyright notice they are in violation of.
|
| 10/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Jefferson capital syst has filed with credit reporting agencies that I owe a debt to XXXX that is been charged off and is older then 10yrs it 13 years old. XXXX has already reported it and wrote it off. Jefferson bought the debt and is lying about when I opened and stop paying. They claim it was in XXXX when infact the initial account was opened in XXXX and I stopped paying in XXXX then went into collections in XXXX. They refuse to remove or admit they are lying it's fruad plain and simple fraud
|
| 07/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
Jefferson Capital has repeatedly continued to call me at XXXX XXXX every day for the last 5 days including this morning XXXX I have told them to stop contacting me and that all communication should be through mail. They claim that its based off of my phone numbers area code yet Ive told them I dont live where the area code for my cellphone is registered. I asked them to send a letter to the address on file and stop phone communication. Yet Im woken up every day 26 minutes before I have to get up.
|
| 05/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I incurred a charge off account with XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed in XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently. I have filed a complaint with XXXX , and nothing has been done.
|
| 03/01/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans.
|
| 10/03/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
" I am disputing the debt they are attempting to collect, as it is a result of identity theft. I have filed a report with law enforcement and have a case number. Please cease collection activities and provide me with the necessary information for your records. Thank you Unfortunately I dont have any account numbers but I can see a open balance with Jefferson Capital system for the amount of {$3900.00} from original account XXXX backed a few years ago in which the account was opened fraudulently.
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is reporting an open account and unpaid balance of {$1100.00} to my *XXXX XXXX profile. My Credit profile shows that this XXXX account was charged off in XXXX. Legally they can not report a balance that was sold/charged off. This account was charged off in XXXX and bought by XXXX XXXX XXXX in XXXX.
XXXX XXXX is reporting an open balance of {$1100.00} " Twice '' on my credit reports. and is reporting to all XXXX credit bureaus for an account that is over 7 years which should not be legal.
|
| 08/19/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
|
| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
on XX/XX/2021, Jefferson Capital Systems LLC called me from a spoofed telephone number. They called from XXXX. They have called repeated times from an XXXX area code but their offices are in XXXX XXXX, MN. I previously told them not to call me again when they called from an 800 number and I've sent them a verification letter which also stated for them not to contact me. I have several blocked calls from them because them using the XXXX area code. I have not lived in this area for nearly 5 years.
|
| 03/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I had phone service with XXXX XXXX. I had my bluetooth left open and my data was charged for excessive charges. The account was closed and a debt buyer bought the account named XXXX XXXX XXXX.
I still have XXXX XXXX as my carrier. Always have. I tried to dispute this debt with XXXX XXXX XXXX but they bought this debt in XX/XX/XXXX and refuse to acknowledge its past 6 years from when account was last charged or recieved any payments. They are wrongfully reporting this on my credit.
|
| 09/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Jefferson Capital called me today I told the woman that I couldnt speak to her at the moment because I was helping my daughter with homework for school she calls my mothers home phone 5 mins later I told her not to call that number because it wasnt my phone she began to become very rude and told me She can call all she wants until I spoke to her I said legally she couldnt because we were on a recorded line and I asked her not to call Ive also asked for the debt in writhing which I never received
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a phone call a few weeks ago concerning a debt owed to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX.
There is a further reference about a Jefferson Capital Systems, I don't know of them either.
|
| 06/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am not liable for this debt with JEFFERSON CAPITAL SYSTEM. I do not have a contract with JEFFERSON CAPITAL SYSTEM. This business has failed to provide any supporting information to that fact. I demand they submit a correction to my credit report immediately. ** accordance with the Fair Credit Reporting Act and ***** Consumer statues this business has violated my rights. ** accordance with the Fair Credit Reporting Act protected consumer rights to privacy and confidentiality under 15 USC ****.
|
| 09/29/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 09/28/2021 |
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
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 06/01/2020 |
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
|
|
Web |
Servicemember |
|
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account.
JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
|
| 02/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/20 I received a collections letter with intent of legal action from Jefferson capital systems LLC, claiming they purchased a debt of {$590.00} from XXXX and offered a {$450.00} pay off to avoid legal action and garnishing by XX/XX/20.
On XX/XX/20 I sent a certified mail with return receipt validation request, it was signed for on XX/XX/20, it is now XX/XX/20 and I have not received any validation paperwork from the company, its over 30 days and they refuse to verify the debt as mine.
|
| 05/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX.
|
| 08/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023, I sent Jefferson Capital Systems LLC a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$360.00}. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023, at XXXXXXXX XXXX. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.
|
| 04/30/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This debt is from the beginning of XXXX. I have reached out to all 3 credit bureaus and asked for validation of debt with supporting document. They have not done anything. I have asked XXXX for supporting documentation. No one has given documentation for this debt other than a copy of the collection notice. The debt has been sold multiple times and each time they update the date to show it as newer than it is Jefferson capital showing it as XXXX when I have not had service with XXXX since XXXX
|
| 02/28/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Disputed online about the validity of the collection account. Stated verified online. Now the dates changed and they won't let me dispute online. When I contacted XXXX by phone today XXXX/XXXX/23, the cs rep said the collection company only has to say that the account is valid. Not that there is any documentation of proof. Thus being extremely lax on the FCRA. They put the burden on the consumer. They said to take it up with creditor for proof. Debt collector in this case is Jefferson Capital.
|
| 09/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Original account with XXXX. Was sold defective equipment ( 3 ) consecutive times. Account was sold to Jefferson Capital. In the past year, Ive attempted to settle this account ( 8 ) times. No emails or phone calls returned. The last two phone calls I stated on the recorded line that I wanted to settle this account and was hung up on. Ive attempted to settle but payment was rejected. I have filed ( 3 ) disputes with XXXX with no assistance. I have no other option on getting this taken care of.
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Jefferson Capital System has reported to all three credit bureaus and outstanding debt of XXXX. I have never signed a contract with, had any business dealing, nor do I owe Jefferson Capital System. Jefferson Capital System has harassed with phone calls and direct mail, to which I don't know how they obtained my address. I have disputed this with all three bureaus, stating that this is not my account and I am not responsible for this debt. I have not had any success with getting this resolved.
|
| 05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter
|
| 12/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, my information was caught up in the XXXX breach. I have never done business with Jefferson Capital Systems. They have not responded to anything that I sent them in writing and this error or their end has damaged my credit which has effected my opportunity to get and apartment and advance in life. This was first reported on my account XX/XX/2019, it states that the account was opened in XX/XX/2019. I have not applied or opened anything with them. My Credit score has dropped tremendously.
|
| 05/07/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX accounts dated for XXXX , amounts are {$650.00} & {$450.00}. -According to a statement dated for XXXX , mentions that the the original creditor is : XXXX XXXX , current creditor is : Jefferson Capital Systems LLC and the company who mailed statement is : XXXX XXXX XXXX XXXX XXXX XXXX -Disputed both debts with XXXX on several occasions due to a storm in Alabama that caused overages on cellular devices under both accounts ; also due to power outages.
|
| 05/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
|
| 05/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson Capital Systems has added a collection account to my credit report without sending a dunning letter. They also did not give me the right to dispute this debt BEFORE placing this account on my report. They are in violation of The Fair Debt Collection Practices Act and this account need to be removed IMMEDIATELY. I will also be filing a complaint with The Federal Trade Commission and the XXXX XXXX XXXX Until I get a letter giving me the right to dispute, you can not report this debt.
|
| 08/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
A debt collection for a repo of {$8000.00} from XXXX XXXX XXXX was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to Jefferson Capital Systems which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX who is disputing this and requesting for it to be deleted from XXXX, XXXX and XXXX.
|
| 12/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
my original debt was with XXXX XXXX. debt was purchased by jefferson capital. i settled and paid jefferson capital over XXXX i opened a checking account with XXXX checking after doing so jefferson capital contacted me again with the same debt. i spoke with jefferson capital and they hardly speak english and are telling me to pay the XXXX.
1account then a second account. On the 2nd go around they had my name spelled incorrectly. see attached of my passport and notice from jefferson capital
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Tried to remove two collections that do not belong to me on my credit report In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 setion602 states I have a right to my privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15B creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose
|
| 02/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX. I contacted the original debtor XXXX. They verified the account was closed on XX/XX/XXXX. They sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX REAGED the debt which is illegal to XXXX XXXX and this date is stated on my credit report with all three credit reporting agencies. XXXX XXXX XXXX stated on XX/XX/XXXX that they received the debt on XX/XX/XXXX and that was incorrect when XXXX still had the account and it wasn't closed until XX/XX/XXXX. They clearly reaged this debt!!!!
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Jefferson Capital dated XX/XX/21 stating I owe a debt in the amount of {$680.00} w/ a description of " XXXX MC '' and a settle offer for {$370.00}. The issue is I have no knowledge of such debt. It states due to the age of debt they are not allowed to sue me but I don't want any damage to my credit either. I didn't have any accounts owing anything. Please provide a copy of any contract I signed or please refrain from attempting to collect amounts from me. Thank You.
|
| 06/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On my credit report Jefferson Capital Systems inaccurately reported the date my debt was opened as XX/XX/XXXX, when they confirmed over the phone that it was XX/XX/XXXX. They refuse to correct it because they have to list the date they acquired my debt. Thats not at all what date opened means when looking at a credit report. Date opened means the date the account was opened not the date some company acquired my debt. Every other debt company works the same way but Jefferson Capital Systems.
|
| 08/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Reported XXXX XXXX as XXXX, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. Jefferson Capital Systems now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
|
| 02/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company I'm dealing with is XXXX XXXX XXXX. They call multiple times a day harassing me about a debt I believe I'm not responsible for. It is a XXXX phone bill. The debt is now over 6 years old I've been called by them hundreds of times over the years and they keep re aging the debt on my credit report it is currently saying debt is only 1 year 3months. I've disputed this as fraud multiple times but no one on there end cares. XXXX XXXX XXXX is crossing the line with harassment tactics.
|
| 08/30/2021 |
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
|
|
Web |
|
|
This account was a XXXX account that I opened, paid and closed all more than seven ( 7 ) years ago. I have disputed this item for years, and it will not go away, even though now it is timed out.
The dates listed are incorrect. This account was opened, closed and ( falsely ) labeled delinquent more than seven ( 7 ) years ago.
If this complaint fails to resolve the issue, I will be forced to file suit to have it removed, and will do so.
I appreciate any help you can provide.
XXXX XXXX
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to Jefferson Capital collection agency. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.
|
| 11/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt collection appeared on my credit report on XX/XX/2018 for an amount of {$130.00} dollars from XXXX XXXX XXXX. The original creditor appears to be XXXX XXXX. However, I have never been contacted about this debt and I have never had any business dealings with XXXX XXXX. I have bank statements and cell phone records to prove that I have never associated with XXXX but have not been contacted to validate the debt. As such, I am certain this debt has been erroneously attributed to myself.
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by Jefferson Capital Systems. They informed me that i had a debt in collections from XXXX. I only have one XXXX account and it is in good standing with the company. ( i called XXXX to confirm ) Jefferson Capital Systems offered me a 30 % discount to pay my balance off. They frequently call and have sent a certified letter in the mail. XXXX has confirmed that I do only have one account with my social security number and noted on my account that there was a phishing attempt.
|
| 08/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was Contacted By XXXX XXXX XX/XX/2018 Then Again XX/XX/2018. Which I have no contract with nor have received service from, reported a collection account against my SSN. I did ask for validation for this debt and account and my signature that I signed anything and was told that they didnt have anything to validate. However, the business does not have a contract with me. They have not provide adequate proof I am not obligated to pay for alleged debt. I Have Tried disputing multiple times.
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
someone used my name to trade in another phone carrier, They try to to buy out the phone and XXXX was going to pay for it. something happen where XXXX didn't pay the phone and now trying to have me pay {$1500.00}. I refuse to pay this or pay anything. i was robbed in my name and now it went to my credit where it is bringing my score all the way down. I need this to be off my credit and out of my name. This really made me mad to the point that I should not be responsible for this account.
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received a letter from Jefferson Capital debt collector XXXX XXXX in regards to a debt from XXXX. It wasnt even addressed to the correct name. It was addressed with my maiden name and I've been married since XXXX. I called and disputed the debt because I don't remember owing the original creditor. I received a letter XXXX XXXX stating they would not be notifing the credit bureaus about the debt. Even if this is a legitimate debt it is way past statue of limitations. Isn't this illegal.
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
there's a debt on my credit report of {$2600.00} from JEFFERSON CAPITAL SYSTEMS opened on XX/XX/2021 that is not mine. I have contacted JEFFERSON CAPITAL SYSTEMS many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. JEFFERSON CAPITAL SYSTEMS did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.
|
| 02/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
A collection agency ( Jefferson Capital ) says I owe money from an account I never had. They say I had a card from XXXX XXXX XXXX XXXX. I live in Virginia and have never been to Delaware. I checked online and this " bank '' was shut down by the Feds for fraud and money laundering. Apparently, they stole my info and opened a line of credit in my name. Now they no longer exist and Jefferson Capital says they bought the debt and want their money. This is all a big scam. How can I fix this?
|
| 07/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw an account from XXXX XXXX for a balance of {$550.00}. The account is very old and was opened in XXXX but charged off in XXXX. I lost my job and was the victim of a house fire that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. I can pay {$200.00} to settle. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs.
|
| 06/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been fighting this for a few years now this is not my account Ive never used it I never opened I have asked for them to send me proof which I my right I want original documents proving this is mine. And no response. It keeps getting sold from one company to the next and no one will help me they have the originating date in 2010. So I have been fighting this for a long time now its not mine. I have no paperwork as I have just lost everything I own in the flash flood on XX/XX/XXXX.
|
| 04/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had a collections account show up on my credit report dated XX/XX/2019. The collection agency is Jefferson capital systems LLC and states the debt is from XXXX XXXX. I have never been a XXXX XXXX customer as I have had XXXX and prior to that was XXXX. I have contacted the collection agency to validate the debt on multiple attempts with no validation to date. After speaking with somebody, they stated it would be removed from my credit report. It is still showing after multiple months.
|
| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have numerously disputed this XXXX account. It was originally purchased by another collection agency and I wrote that agency telling them to provide me with a signed contract that I purchased this acct and because they were not able to validate or verify this acct it was ultimately removed and deleted from my acct. Now I see that another agency has taken over this debt and are reporting to the bureaus. I Ask again please provide a signed contract with my name or remove from my credit.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Jefferson Capital Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this. I was very surprised. They are collecting for XXXX XXXX. I had XXXX at one point but I was unhappy with their service and returned everything and discontinued services with them. I was not told I had a remaining balance, I was never called by them because I did not owe them anything. I have no idea where this came from and it needs to be removed.
|
| 08/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A COLLECTION BY THE NAME OF JEFFERSON CAPITAL SYSTEMS ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX ) WAS PLACED ON MY CREDIT REPORT DATED XX/XX/2023 with a balance of {$3000.00}. THIS COLLECTION IS INACCURATE AND DOES NOT BELONG TO ME NOR WAS NOT APPROVED BY ME. I REACHED OUT TO THE SAID DEBT COLLECTOR AND HAVE NOT RECIEVED A RESPONSE WITHIN THE 30 DAY PERIOD GIVEN. PLEASE REMOVE THIS OFF MY CREDIT FILE, IT IS DERROGATORY AND PREVENTING ME FROM ESTABLISHING NEW CREDIT LINES.
|
| 05/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX had debt on my credit report submitted validation letter plus XXXX complaint finally got the XXXX XXXX off my report now I get alert that XXXX XXXX XXXX is on my report for XXXX XXXX never once did they send me anything I dont even know who that company is Im also in Ohio where they arent able to collect without license the XXXX account was for {$610.00} would like for this to come off my credit report since I thought it was off already since origanl debt couldnt validate it
|
| 08/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Around XXXX XXXX unpaid bill was put on my credit report stating an account was open and had unpaid bill. Told company I was a victim of identity theft when my wallet was stolen. I have had XXXX service almost my whole life until this day. The dates in which they say this was open align with stolen identity account was open online not in person which allowed the person to open fraudulently. Have tried multiple times to explain and get this issues resolved over years with no success.
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX reports both my birthdate and SSN incorrectly after electronically submitting dispute and documents as proof. This account with XXXX was proven as inaccurate and falsely reported by the opposing CRA of XXXX and XXXX XXXX.
XXXX briefly deleted the account but reposted the debt under another collection agency 's name.
The account has been proven inaccurate with all three ( 3 ) CRA. XXXX, like XXXX, disregards the inaccuracies. Both seem to disregard the law and consumer rights.
|
| 02/20/2022 |
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
|
|
Web |
|
|
Jefferson Capital System. I have disputed with XXXX multiple times now on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They investigated and found my information to be accurate and have deleted the account but it somehow ends up back on my credit. This company is fraudulently reopening this account and reporting it as opened on XX/XX/XXXX with the current account status as open. This account was CLOSED in late XXXX. I demand this be resolved immediately or I will be pursuing legal action.
|
| 12/31/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt already was submitted on my report as paid/ charge off I voluntarily made agreement to surrender vehicle XXXX XXXX years ago due to medical reasons XXXX failure going on XXXX and on a fix income social security and they agreed to. The vehicle was sold and majority of debt owed was paid this collection agency brought the loan and submitted a substantial amount owed that was incorrect company should have know rights to my private information nor submitting an inaccurate debt.
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just got out of XXXX, technically I'm still XXXX I'm at a XXXX XXXX XXXX on pre-release. I checked my credit score and learned thar I owe money for a XXXX phone bill and the collection agency that is trying to collect is Jefferson Capital, the date of the account is XXXX XXXX. I was incarcerated so it was impossible for me to open a phone account. I have no knowledge of this account, I did not enter into any agreement with Jefferson Capital, nor did I agree to pay them any money
|
| 10/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When i suggested that I had no knowledge of the account or an account in collections It was relayed back to me that " my credit would be damaged for many years for refusal to pay or work out an option to you '' I was harassed with repeat phonecalls met with rude service, I have asked to be sent proof of signature, date, ID, etc for verification that the debt belongs to me and have received no response.
I have disputed the debt with no response I have sent letters with no response.
|
| 06/24/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.
|
| 11/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt collector engaged in abusive, non-verified, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon, nor did I sign any agreement. A legal contract signed is by two parties, and I did not participate in any of this. More so they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation and they have clearly violated.
|
| 08/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I received an email from my boss regarding wage garnishments, when i saw from whom I contacted them and asked from what company, the account was one I had disputed due to me being unemployed during XXXX. they insisted that i pay the XXXX immediately, money I do not have and that since I can not pay the amount they will move forward with wage garnishments. My employment is the only way i pay my bills and rent I can not afford to have wage garnishments when the account was disputed.
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am demanding removal of this collection from Jefferson Capital Systems. My debt is not with them. I do not owe them the {$820.00} that is reflected on my credit report and it is deeply impacting my credit score. Jefferson Capital Systems claims that the debit is from XXXX XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them. I have requested validation of this debt but have received no response from Jefferson Capital.
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have a XXXX account. I been constantly fighting this account and stating this is not my account. The month they say is late i have proof i was with XXXX so this should not be showing up on my credit at all. Im XXXX and this has been a ongoing thing and Ive been working on my credit day in and day out. This really saddens me to know as I am fighting this war this is a another issue I am having to fight. I just would like this remove so i can continue my credit journey and growth.
|
| 07/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My daughter 's ex boyfriend used my name and information to obtain an XXXX without me knowing anything about it. This debt was for {$2000.00} with XXXX XXXX. I have filed a complaint with my local police department. I filed a complaint online and I complained to XXXX and I can't get it removed from my credit report. This debt is not mine and I was not ever aware of it until I received a collection notice. It is theft and fraud and I want it removed from my credit report. Thank you
|
| 05/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Jefferson LLC constantly calls day and night claiming I owe XXXX XXXX over {$3000.00}. While I did get a XXXX behind due to ID theft, I DO NOT owe them anywhere near that much as Id been paying on my computer for over 7 XXXX years!
I told Jefferson I would pay what I can when I can. But they call 5, 6, or more times per day every single day!!!!!! I block one number, they use another. Just in the past 2 years, Ive blocked them at least 242 times!!!!!!!!!!
Please stop this!!!!!
|
| 09/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Jefferson Capital is reporting inaccurate information on my credit report. For one. The date of XX/XX/XXXX is not accurate. I've not had XXXX XXXX since XXXX. I've not made one payment to Jefferson Capital nor admitted this debt. Secondly- the amount they are trying to collect is inaccurate. I've reached out to XXXX XXXX requesting information pertaining to my account with XXXX XXXX. I'm requesting the inaccurate information be removed from my credit report immediately! XXXX XXXX
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am filing a complaint because I have received a letter from Jefferson Capital on a debt that I owe to XXXX. I have already contacted XXXX, and they said everything is fine on my account, and that there is no money that is owed. This letter came out of nowhere, and there is nothing to justify the debt, other than me owing money for no reason. I've tried the steps on the letter to check there website, and check the account that I supposedly owed, and the account does not show up.
|
| 01/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX Jefferson capital systems I sent a letter directly with this collection company I ask them to provide me verification of this alleged debt as mine with a wet signature or any instrument bearing my signature which they did not provide me with they only sent me a bill an I also placed a dispute with XXXX to confirm them that Jefferson capital systems did not provide proof and they are reporting late payments and past due on a closed ended account which is a fcra violation
|
| 06/10/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
XXXX XXXX XXXX has an item on my credit reports opened XX/XX/2015 showing original creditor as XXXX and a balance of {$270.00} I recognize the name XXXX but have no knowledge of this debt or this company. I have had no communication from either in regards to the alleged debt. Considering all the complaints and lawsuits they are involved in In my mind it is either a mistake or fraudulently placed. XXXX on XXXX, XXXX legal issues on XXXX some XXXX on here under their various names.
|
| 01/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a phone call indicating that I owed a debt that was paid two years ago. I had to check my records to validate the payment. I tried to contact the company again ( within 30 minutes of checking ) and the phone number was fictitious. I then tried to check the website and it was fake as well. I reported the incident to the FTC and then thirty days later I received a bill from Jefferson Capital indicating that I still owed this debt that was paid off. the bill is attached.
|
| 11/28/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I HAD RECIVED A COLLECTION NOTICE DATED XX/XX/2018 FROM XXXX XXXX XXXX XXXX, FOR THE AMOUNT OF {$1200.00} AND IS OFFERING A HALF PRICE TO SETTLE WITH THEM.
I DO NOT RECONIZED SUCH OUTSTANDING DEBT.
WHEN I CALLED THE COLLECTOR, A LADY FROM XXXX PICK UP FROM THE OTHER END KNOWS MY NAME AND STARS TO ASK PERSONAL DATA FROM ME. AFTER I CONFRONTED HER I DO NOT RECOGNIZE SUCH ACCUSATION AND THAT I WILL ALSO MAKE A COMPLAINT TO FDCPA, THE LADY THEN CHANGE HER STORY AND JUST HUNG UP.
|
| 03/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This derogatory information is reporting on my bureau and this company i have never heard of, never done any business with them and i previously disputed this information under a different company name and it is reappearing as a new trade line under a different company name. I do not do business with XXXX and have no clue why i am repeatedly disputing erroneous information on my credit reports.
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
|
| 10/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter from XXXX stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later XXXX mails me stating they are not handling the account any longer. One week later Jefferson Capital Systems LLC sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?
|
| 12/14/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit report tanked a few months ago with a negative report from Jefferson Capital Systems. They are attempting to collect a debt from 2022 from XXXX. This is a false claim. I have tried to dispute this via XXXX, XXXX, and XXXX however they are not resolving this for me. There is no proof that this debt is mine, nobody has provided me anything. I DID NOT open an account with XXXX in 2022 nor did I accrue these charges. Please help me remove this charge off my credit report.
|
| 06/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.JEFFERSON CAPITAL SYSTEM
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK it from my personal credit file. Thank you.JEFFCAPSYS XXXX Date Opened : XX/XX/2020 XXXX XXXX : {$3000.00}
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Jefferson capital SY has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
This creditor is falsely reporting an account on my credit report that does not belong to me I have notified the creditor of the situation but the creditor has deleted the account and re-post the account as if it is a new account. The creditor is constantly doing this every year. This is not my acct and never has been.
|
| 08/27/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
this company previously removed and randomly readded to my credit starting with a newer date to re age the debt which violates statue of limitations and FCRA.
furthermore the original creditor XXXX had already let me out of my contract due to poor service and not being able to keep their side of the contract with the cellular service.
please delete and do not re add.
and stop calling my work phone telling me ur a lawyer and to pay or u will take action having me arrested.
|
| 11/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXXefferson Capital have been sending me letters stating I owe a debt that I do not owe. I have no binding contract with their company. I have never done business with Jefferson Capital. I have sent them letters asking that they validate the debt and instead they continue to send me letters giving me payment options to settle a debt that is not mine. This negative account is reporting on my consumer credit report tarnishing my reputation and its becoming depressing/stressful.
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX states I owe XXXX $ on a XXXX XXXX contract that I have never had. I have tried to reach out to this company on several occasions and ask for verification of debt but they would never provide any information, they only want payment or threaten to involve lawyers in which I quickly tell them to do so. I have been a XXXX XXXX subscriber for 11 years and my bill has never been behind nor have I ever been associated with any phone numbers other than the XXXX I have.
|
| 12/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/2019 XXXX XXXX XXXX took me to court. I didnt even know I have a court date.I wasnt notified of the lawsuit. I didnt even know there was a lawsuit. Im on a fix income. Ssi. The judge ruled in their favor. I am bedridden diagonised on the last stage of XXXX I cant walk I cant move I cant do the basics in life. How can I pay them? Before dignoises I tried to call them but no answer they wouldnt answer or talk to me about what can be done with they threatened with arrest
|
| 12/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Jefferson Capital System located at XXXX XXXX XXXX at XXXX XXXX started a collection/derogatory remarks without sending an appropriate validation letter and allowing my lawful rights of 30 days to dispute the debt. I disputed the account with XXXX whom removed the account within 48 hours, but XXXX XXXX is still conducting an investigation. This has caused a 34 point decrease to my credit score because the collector is unethical and believes they do not have to validate a debt
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Jefferson Capital has placed this account on my credit file for no reason. I dont have any dealing with this company. I will be filing a lawsuit against this fraudulent company and having them investigated. I never received any type of communication and they just placed this account on my credit file. I am requesting proof of ownership of this account within 10 days and if this account is not remove I will file a lawsuit. My demand is to have this account removed immediately.
|
| 04/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
on XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission.
the following accounts are not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I paid off an account that I wasnt aware of and wasnt on my credit report. The correct account is still unpaid-they wont transfer the funds from the incorrect account to the account that is on my credit report. The account they had me pay is from 9 years ago and I contacted XXXX they verified the incorrect account is not in there system with my social security only the one that is on my credit report. It was never indicated to me there were 2 accounts under my name from XXXX.
|
| 11/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
XX/XX/XXXX CARD WAS TO BE OPENED IN MY NAME AND SENT TO ME AS A PROMOTION FOR PAYING OFF A DEBT WITH JEFFERSON CAPITAL LLC.
I PAID OFF THE DEBT IN RECORD TIME AND SINCE THIS TIME I HAVE NEVER ACTUALLY HELD THIS CARD IN MY NAME.
THEY HAVE BEEN SENDING ME DEMAND FOR PAYMENTS FOR MONTHS YET THEY ARE NOT EVEN CORRECTLY OR INCORRECTLY REPORTING THIS CARD ON MY CREDIT REPORT.
I HAVE FILED REPORT AFTER REPORT OF THIS ACCOUNT NEVER BEING IN MY POSSESSION AND THEY REFUSE TO HELP
|
| 09/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Jefferson Capital Systems showed up on my credit report with a past due XXXX XXXX bill of {$950.00} from Maryland in XX/XX/XXXX. I contacted XXXX, proved to them it wasnt me, as i was locked up at that time. I also disputed through 3 credit reporting agencies.
Now, Jefferson Capital is saying the bill was from Maryland from XX/XX/XXXX, but I've lived in NC from XXXX. I cant get them to answer me, and my credit rating says they are counting every month now as a late payment.
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.
|
| 12/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft and I notified the company involved. Jefferson Capital SystemsI asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.
|
| 05/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an auto account with XXXX XXXX XXXX that was sold to Jefferson capital and they offer me an settlement which I had paid successfully on XX/XX/2020of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XX/XX/2020they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account
|
| 06/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Jefferson capital systems has XXXX debts in my name one I paid them for after they sued me with out informing me properly and forced me to go into a financial hardship I am now barely making rent or anything else. The second is a debt for phone bill from an account I never opened I have disputed it several times and they refuse to remove the debt as mine and as a result I have no choice but to put it in a debt management program and report them to you to get this resolved.
|
| 03/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX claimed they sent service to my former address and there was no service to said address in the area at that time. I never received any products or services from XXXX, what so ever!!! Now a collection agency is blocking my credit with this unauthorized and incorrect charges of {$2600.00}, which I have been denying for several years to no avail. NOBODY RESPONDS. the charges are still on my credit reports and must be removed by Jefferson Capital Systems collection # XXXX
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello I received a debt collection letter from Jefferson Capital on XX/XX/21 stating I owe {$630.00} for a XXXX XXXX bill. I stated to the representative that I have not had XXXX as my provider. She stated that they have this on record as a debt and they are reporting it on my credit report. I asked her to provide me proof of the debt and advised her to remove it from my credit report. She wasnt willing to provide me proof of the debt belonging to me and demanded payment.
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Jefferson Capital System has illegally reported this unverifiable debt to the credit bureaus without properly validating the debt. I have requested a letter of validation and they have failed to send. They have also submitted to the bureaus an address I have never resided. Furthermore, I am not liable for this debt and I do not have a contract with this company and did not agree to do business with them, so please remove this erroneous information from my credit profile.
|
| 07/18/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX I tried disputing this many times with XXXX. The only XXXX XXXX I have ever had was prior 2016 and through a business account. When I contact XXXX they don't recognize account number or balance being reported by Jefferson Capital. When I contact Jefferson I can't get a hold of anyone that can bring me up in their systems. I have been disputing this with XXXX for many years and it is still appearing on my credit report.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
JEFFERSON CAPITAL SYSTEMS WERE ERASED FROM MY CREDIT PROFILE FROM XXXX AND XXXX SEVERAL MONTHS AGO BECAUSE OF AN ACCOUNT THAT I DO NOT HAVE WITH THEM. AND THEY NEVER ONCE PLACED ANYTHING ON MY XXXX ACCOUNT NOW ON XXXX OF THIS YEAR THEY JUST PLACED A COLLECTIONS ACCOUNT FOR {$550.00} ON MY XXXX ACCOUNT WHICH IS ILLEGAL AND UNETHICAL. BECAUSE THEY KNEW THAT THEY COUD N'T PROVIDE ANY DOCUMENTATION THAT I HAD ANY ACCOUNTS WITH THEM. I WANT THEM TO IMMEDIATELY DELETE THIS NOW
|
| 05/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In a previous complaint with the CFPB Jefferson Capital agreed to close 2 collection files and inform each credit bureau to remove the 2 collection accounts from my personal credit reports. The accounts have been removed from XXXX and XXXX however they still remain on my XXXX credit report and have just been verified instead of removed. This is a direct violation of the resolution of the previous complaint. I am asking again that the items be removed as soon as possible.
|
| 02/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I filed a dispute with XXXX, but I am not convinced they proved it was my debt. My ex-husband was a current XXXX customer when we divorced 20 years ago. I used XXXX and still have the same number XXXX. The debt is attached to a different phone. I was never shown the original contract with my signature on it. This debt is not mine. Further, I am a current XXXX customer and have been for several years. I am current on my payments. How can this be my debt.
XXXX ref # XXXX.
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/2021 I XXXX XXXX the natural person received a letter from Jefferson Capital stating that I owed a debt that I have any knowledge of. Looking at the letter from Jefferson Capital I found several violations of my consumer rights and I am very frustrated that they have even went to the extent of putting this debt on my consumer report. I have never done any business with company and I'm furious that this company has my personal information demanding money from me.
|
| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Collection company for XXXX ( XXXX XXXX ) has attempted to re-age the debt in question. Upon finding information on my credit report listing the above named creditor the date for the account is listed as XX/XX/XXXX when in fact the account was delinquent as of XX/XX/XXXX. I called XXXX XXXX at which point they told me the information is reporting correctly saying that if it was reported by first delinquency ( following the law ) it would be before they obtained the debt.
|
| 10/19/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have been in contact with Jefferson Capital Sys for over two weeks trying to verify the account and the dates they will only say that I owe this collection. I have ask on 3 occasions for them to mail me info on the account and the process to dispute its validity but I have recieved nothing, I also contacted a credit agency to help me get more info and they have not been able to verify the account only to say they have my name an social security number, I need help ASAP
|
| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Jefferson Capital Systems is collecting on behalf of XXXX XXXX, account XXXX This account was merged with a XXXX Account under the company name of XXXX XXXX XXXX. Even our sales reps confirmed there should be no balance, then months later this collection happened we spent months trying to resolve this. XXXX XXXX XXXX is now dissolved and the company filed Bankruptcy and I can not access the records to obtain the multiple emails to show proof I was told this was resolved
|
| 10/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Collection is not from the original creditor. Jefferson capital systems at XXXX XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX have been sending me collection notices for the amount of {$7900.00}. The collections are being reported past due. I do not know either of these companys and have never done business with either of these companies. Neither of the two companies have a contract with me with my signature.
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received an email via the XXXX app on XX/XX/2021, that I had an important change to my report. I find that Jefferson Capital Syst made a derogatory entry on XX/XX/2021, causing my credit score to decrease substantially. I am U.S. military member. I do not know what company this is, nor have I received any form of communication prior to this entry being made on my credit report. 18 points have dropped from my XXXX credit score and 13 points from my XXXX credit score.
|
| 06/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I PAID OFF A COLLECTIONS ACCOUNT FOR XXXX XXXX XXXX CARD FOR ACCOUNT ENDING # XXXX Jefferson CAPITAL SYSTEM REF # XXXX. THIS WAS PAID OFF ON XX/XX/XXXX. tHEY WILL NOT RELEASE THIS INFO TO XXXX XXXX XXXX. iT IS NOXX/XX/XXXX IM WAITING ON THIS FOR LOAN APPROVAL AND THEY WILL NOT REPORT IT PAID IN FULL ... yET THEY CAN HARRASS AND ACT LIKE VULTURES WHEN NOT PAID. iS THERE NO PROTECTION FOR THE PERSON THAT PAYS? THEY SHOULD HAVE TO REPORT THE ACCOUNT PAID FOR SINCE IT IS
|
| 12/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
My social security number is XXXX. Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00} for two accounts. I appreciate Jefferson Capital Systems originally XXXX XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have had an account on my credit report from Jefferson Capital Systems for a significant amount of time. Ive sent several letters to this company attempting to resolve this. I finally received a letter in XXXX saying they were ceasing collection of this item and it would be removed from my credit report. As of today, XX/XX/2021, it remains on my credit report. I attempted to call Jefferson Capital, only for them to assure me that it has been removed, but it has not.
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Name-Jefferson Capital system Amount - {$770.00} XXXX XX/XX/XXXX Name-XXXX XXXX XXXX Amount- {$0.00} XXXX XX/XX/XXXX
|
| 11/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
This company is disrespectful when talking to them. They don't want to hear my reasons. I told them that XXXX violated the SCRA while I was XXXX and the collection agency Jefferson capital system won't listen to me. They keep hanging up as soon I mention XXXX. Spoke to them multiple time and they just giving me an attitude.The amount is not right too. XXXX didn't not suspend my account event when I told them that I'm deploying. So both company will not work with me.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX Jefferson Capital has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Jefferson Capital Systems ( hereafter JCS ) is reporting a {$5000.00} delinquent balance for XXXX cell phone service on each of the three credit bureaus. I disputed the veracity of this alleged debt to
the bureaus, whic h JCS verified. I subsequently contacted JCS via telephon e for additional information.
They claimed at that time not to own any accounts matching my name or SSN. Despite this, they are continuing to report this supposed debt to the credit bureaus.
|
| 10/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them.
I have an XXXX XXXX and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications.
All I am trying to do payoff my account but they will not communcate.
|
| 12/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been dealing with this false unauthorized debt of XXXX XXXX since 2017. I have sent numberous disputes with the credit bureaus. I have contacted XXXX wireless myself and have gotten no progress. I have reported this as identity theft ever since my personal information, passport, social security number, passwords and all my personal information has been compromised. This has been a ongoing issue as I ha e no knowledge nor did I ever open a. Account with XXXX.
|
| 04/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was told by XXXX XXXX XXXX that Jefferson Capital was handling my debt. I contacted them on XX/XX/XXXX and settled the debt. On XX/XX/XXXX, XXXX XXXX XX/XX/XXXXsaid they got notification that debt was sold. I contacted Jefferson Capital to see if they would send information about account being paid, not sold. Nothing has been updated on my credit reports. Credit bureaus wont accept my paperwork because debt is under XXXX XXXX XX/XX/XXXXand not Jefferson Capital
|
| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I check my credit reports often, I noticed a collection from XXXX XXXX XXXX, it said I owed XXXX dollars from an account that was opened on XX/XX/XXXX, well there's a problem, I was XXXX from XX/XX/XXXXtill XX/XX/XXXX, I disputed the account, XXXX almost immediately took it off my report on XX/XX/XXXX, XXXX and XXXX came back saying the account was verified, with no explanation as to how, I dont understand how one agency removes the collection and the others dont
|
| 11/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a certified letter asking the company ( Jefferson capital ) to verify this debt. I never did business with this company and have no knowledge of the debt with them. They replied with some generic letter and would not provide me with the proof of contract between me and them or the contract between them and the supposed original debtor. no chain of custody provided and they would not remove the debt from my consumer credit report as required under the FCDPA.
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern I have 2 collections on my account from the same company. I do not owe this company any money never signed anything with them or anyone there represent. The company name is jefferson capital system they claim I owe them XXXX & XXXX to them. I do not owe them any money. I have no idea who they are or what there talking about. This is fraud/identity theft as I have no knowledge of this and never authorized or signed anything for these amounts.
|
| 07/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American, Servicemember |
|
yesterday on my XXXX XXXX report i got a sudden notification from a collection agency named jefferson capital systems the original creditor was XXXX XXXX XXXX. i have never received any notice from either company of his debt or informed it would be going on my XXXX XXXX. i have no knowledge of the bill i would like these creditors removed from my XXXX XXXX.please let me know what information this company may need to resolve this issue. thank you. my gmail is XXXX.
|
| 01/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I file a dispute with XXXX about this company reporting information that is bogus. JEFFERSON CAPITAL SYST Account XXXX is in my credit report I dont know who they are and I don't owe them anything. They claim on my report XXXX XXXX XXXX is the Original Creditor. XXXX never notify me that they sold my account to anyone and they closed my account as a charge off. If they sold my account this should be remove from credit report. Jefferson is in violation od the FCRA.
|
| 03/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In 2012 I attended XXXX XXXX XXXX college. This balance needs to be forgiven under the condition that this school closed and I am eligible for Closed School Debt Relief. I have spoken with representatives from XXXX XXXX on several occasions in regards to this debt and no one has removed this account from my credit report. This account needs to be updated to a XXXX ( XXXX ) balance and " Paid as agreed '' OR removed completely and permanently from my credit report.
|
| 04/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XX/XX/2019 XXXX, is in complete violation of 15 USC 6802 and 1681B as they have absolutely no permissible purpose to report the alleged debt to the credit reporting agencies.
Ive had no contact or agreement with them about this debt. Nor, did I agree to any of the debt mention above. Jefferson Capital Systems is unlawfully reporting this transaction and experience between this consumer, their company, and I, which also violates 15 USC 1681A ( 2 )
|
| 08/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by Jefferson capital for a debt in the amount of {$230.00} from XXXX. The date given to me was in XX/XX/2012. I have let them know that this is not my debt and that they need to stop contacting me ; yet they are still sending me letters. When I tried to call them he asked me for my Social Security number which I absolutely refuse to give over the phone to anybody they need to stop bothering me with the stuff thats almost 10 years old its not mine.
|
| 01/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX, request that the following accounts that I mentioned below be incorrectly reported in my credit reports, XXXX XXXX XXXX # XXXX reported as open with loss balance of {$480.00}, XXXX XXXX XXXX # XXXX open collecting a balance in loss be investigated and corrected. of XXXX XXXX balance {$1400.00}, Pr Telephone # XXXX reported open at loss balance of {$520.00} As a result of the investigation made, these incorrect accounts still report my credit report.
|
| 06/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Jefferson capital parked an old debt on my XXXX XXXX credit report showing as new debt when the original creditor removed the debt from my report a year ago because the debt was too old. Jefferson capitol bought the debt and immediately parked the debt as new and never tried to contact me via phone or Mail. XXXX XXXX said they contacted them and took their work for it. The day before I disputed with XXXX and it was removed from my credit report within four hours
|
| 10/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX is the company that says I owe XXXX. There are multiple phones on this account that is not mine. There were calls to the XXXX XXXX XXXX and new york. I live in XXXX. Illinois and dont have any relatives, family or friends here. I disputed with XXXX before and they transferred it to Jefferson capital collection agency. I managed to get my credit straight and they have brought it down to XXXX. This is really heartbreaking. Please get them to delete this.
|
| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.
|
| 02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Jerrerson Capital system has been attempting to collect a debit from me that does not belong to me. I have advised the creditors as well as the credit bureaus that account number XXXX does not belong to me. I was asked by the compmay to supply a copy of my ftc report which I have mailed at least 5 times and this account is still showing on my credit report, I would like Jefferson capital to stop attempting to collect on this debit with me and close this account
|
| 05/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX & XX/XX/XXXX is when i made complaints about JEFFERSON CAPITALIST. I have 0 knowledge of that account & been harrassed repeatedly through mail via phone calls. Total amount it says is {$4100.00} & IT IS THEIRS. I would like this off my credit history completely due to them violating rights & codes. Its been there 8-9 years & its affecting me bad. Including the 2 hard inquiries from XXXX XXXX. I also have 0 knowledge of trying to open either account.
|
| 02/25/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is reporting inaccurate information on my credit report. They are reporting that this is account is open with XXXX XXXX but this account has been closed since 2016. I do not know what this account is and has seen it on my credit report. The two main federal laws that apply here are the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have no idea of this account and have not received any valid information.
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Upon the end of my service contract with XXXX XXXX I had a balance of XXXX on my account and I decided to go with XXXX XXXX XXXX with a new service contract app on the switch I had made sure I did not owe XXXX any money and after the switch I received bills from XXXX saying I owed money for early termination fees which is not possible considering I switched carriers at the end of my service contract I have tried to resolve this matter with XXXX with no success
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$4000.00}. All of the three credit bureaus were provided inaccurate information. I sent a debt validation letter to Jefferson Capital on XX/XX/2023. The FCRA gives the company 30 days to respond. However, I never received a response back. Jefferson Capital continued to report inaccurate information to all three credit bureau as of XX/XX/2023 without validating any ownership.
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our XXXX accounts and then withdraw them, particularly my XXXX account. My lawyer has contacted this firm.
|
| 06/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have contacted by Jeffcasys, theyre asked me about {$510.00}. XXXX that I owed to XXXX since XXXX but I explained that I paid it, long time when I changed to other phone company. They insisted to charge me that money and theyre calling threatening me. During the pandemic also called many times a day. Now I found a derogatory marks on my credit report. I feel very frustrated cause My credit score went down. I want to remove this issue from my credit report.
|
| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!
|
| 10/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS
|
| 07/31/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I took a loan out with XXXX XXXX in the amount of {$35000.00} in 2009. Since then I move back home and was unable to finish my degree due to Finacial hardship. I spoke with XXXX XXXX on multiple occasion on getting my payment lowered which was declined. I spoke to a lawyer which also called and tried to negotiate with this company however they would not budge. I was unable to make the loan payment and they wrote it off into a collection agency to XXXX XXXX.
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
I would like the following accounts removed : XXXX XXXX XXXX : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} JEFFERSON CAPITAL SYSTEMS ACCT : XXXX XX/XX/XXXX {$2200.00}
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights!
Under act 15 U.S.C. 1681 section 602 says " I have the right to privacy. '' 15 U.S.C. 1681 section 604 A section 2 it also states " A consumer reporting angency can not refurnish an account without my written instructions under 15 U.S.C. 1666B " A creditor maXXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Recieved a letter from XXXX XXXX on behalf of Jefferson Capital Systems LLC in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.
|
| 11/19/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
JEFFERSON CAPITAL SYSTEMS is a collection agency for XXXX. XXXX claimed I owed them XXXX for a phone I never received. However i found out they delivered the phone to the wrong address. Yet they still have this on my credit report. I have asked them multiple times to remove this. Yet they still refuse and continues impact my credit score. This is wrong and I want this company to remove all information and derogatory penalties they have placed on my report.
|
| 05/07/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
They have been reporting this account illegally to my credit report. I have disputed this account through the credit bureaus as well as directly to the XXXX XXXX by certified mail asking to verify this is a valid debt several times and have yet to receive a response from them. Last certified mail sent which I know they received was XX/XX/XXXX and still no response to that one. They are beyond the timeframe to Respond and are in violation of FCRA and FDCPA.
|
| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
Their was a XXXX account opened in my name several years ago, this was a result of identity theft. I supplied XXXX the identity theft proof several years ago. This debt was apparently sold by XXXX to Jefferson Capital Systems who are now trying to collect on this debt that is not mine. They have placed a negative mark on my credit report which caused my credit to nosedive. Attached is a removal of it from my credit report in the past with the XXXX account.
|
| 03/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account was originally mine, but was compromised and was closed at XXXX with Zero balance. I opened a new account which is current. I then started receiving letters from debt collection stating they had bought the debt and were attempting to collect an outstanding balance. I am not responsible for this debt, its over 10 years old and originates to 2012. These debt collection agencies continue to sell and buy a invalid debt that is over ten years old.
|
| 09/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In XX/XX/XXXX I open a car loan with XXXX XXXX XXXX and I wasnt available pay the loan and I returned the car after years they close the account and in XX/XX/XXXX I have open account with jefferson capital ay I cant pay Im unemployed because of COVID-19 Im a young XXXX I trying to clean this from my collection pls is been 6 year and they call me almost every day and had passed my debt to others collection company selling my dept to others to make profits
|
| 02/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
this debt is about 6 years old I was never notified of the debt never call me or sent a letter and I get a summon to appear in court about the debt in the state of Georgia they have 2 years from there to file or contact me and thing didn't and this is a violation of Georgia law and they not have my signature on anything no contract or paper of debt this debt is not to validate and it was not sent by XXXX county police this is not my name on the paperwork.
|
| 08/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/23 and XX/XX/23 Jefferson Capital System opened a collection.
Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent on my end.
Also, they have not verified that I owe this debt to this alleged company.
Please have this removed from all three credit bureaus.
XXXX XXXX XXXX
|
| 02/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I want to report multiple violations that JEFFERSON CAPITAL SYSTEM is committing to the Free Credit Reporting Act and to my rights as a consumer.
Just to mention two serious violations, see below : 1. Post charge-off interest 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having XXXX issues because of this situation.
Please send the attached documents to Jefferson Capital System.
Thank you so much.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$2500.00}. All three credit bureaus have been provided inaccurate information, and are inconsistent. One of the main credit bureaus has " closed '' the account. I have sent Jefferson Capital Systems LLC a debt validation letter and they never got back to me. Jefferson Capital Systems LLC has continued to inaccurately report to the credit bureaus, without validating ownership.
|
| 02/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company Jefferson Capital has been coming after me for a debt in the amount of {$2000.00} Since XX/XX/2017 However they are not the legal owners of this debt and this debt was paid in full to the correct owners. I have submitted several disputes regarding this and have contacted this company directly. I was talked to very rudely and even hung up on which was very unprofessional. This company keeps harassing me with calls, letters and scare tactics.
|
| 06/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2018 - payment in the amount of {$400.00} XX/XX/2018 - payment in the amount of {$200.00} XX/XX/2018 - payment in the amount of {$200.00} I have receipts for all payments ( or I can show bank statements ) and this should have settled the account. I later came to find out that my account was transferred to Jefferson Capital for the full amount of the debt. I have disputed the charges with XXXX and XXXX to just be told that the debt is still valid.
|
| 09/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
this debt was paid off in duress to XXXX XXXX in XX/XX/2016. I did not owe a bill. the tablet that was ordered on my account was not ordered by me. I sent it directly back without even opening the product and was still charged. all services were cancelled with nothing to be used and still double charged. I paid to keep it out of collections and yet still it is in collections. this company has been a complete headache and refuse to render any assistance.
|
| 11/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.
|
| 06/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
When I contact JEFFERSON CAPITAL SYSTEM they claim they can't find my account even though they keep validating their collection of debt through the credit bureaus. It is for a XXXX account that I closed years ago and was paid in full. The dates for the account and everything is wrong. I even had this same debt on my report from a different agency and successfully had it removed as valid but somehow Jefferson is able to continue reporting innaccurately.
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 I S C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
|
| 09/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of identity theft and noticed a collection from JEFFERSON CAPITAL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against JEFFERSON CAPITAL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/XXXX they called XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX XXXX XX/XX/XXXX Possible more times then that but can remember.
{$2000.00} When Jefferson capital calls they don't tell me who they are or why they are calling, I only know this information because of a letters they have sent. The original people to hold it was XXXX. I told XXXX I would be able to pay them once I got a job again but it was sent to collections before then.
|
| 12/09/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX, this collection agency sent me a letter or statement to my house. I called them yesterday I informed them that I resolved this several years ago but they dont give me a clear answer.
XXXX XXXX, XXXX this collection agency I call Them yesterday. I let them know that I dont owed any rent in this Apartment Community this was resolved several years ago. But she dont want to listen to my explanation. All she said give me your credit card.
|
| 07/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX, entered into a consumer credit transaction with XXXX. I do not know who Jefferson Capital is. I have never spoke to them or done any business with Jefferson Capital. I do not know how or why they have my personal information. Jefferson Capital is trying to deceptively coerce me into making settlement on a " debt '' I do not owe. I have been harassed with multiple letters and have XXXX for the past few months since receiving these notices.
|
| 01/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I closed out my account with XXXX XXXX for {$250.00} and a couple years later I get a collection notice that I still owe them. They have since sold the debt to Jefferson Capital ( JEFFCAPSYS ) who, no matter how times I dispute it, refuses to take it off. This was so many years ago, I no longer have the receipt, however, the debt was paid, they refused to close my account otherwise. They require your account to be at {$0.00} before they will close it.
|
| 04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted XXXX XXXX XXXX and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX. I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report.
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation
|
| 10/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt collection is Jefferson Capital. They are attempting to collect a debt originally opened by XXXX. This account was opened fraudulently. I have reached out to Jefferson capital with a debt verification letter and a phone call asking then to demonstrate that I incurred this debt. They have given me no documentation regarding the debt or the original account. I have thus asked them to remove this debt from credit reports and they have not complied.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX XXXX MN XXXX On XXXX XXXX, 2017, Jefferson Capital Systems LLC. added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2900.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
|
| 01/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I sent XXXX a validation letter for 2 accounts RE : # 1 Account # : XXXX # 2 Account # : XXXX They failed to validate both of these accounts. # 1 Account # : XXXX they failed to send valid proof for this and for # 2 Account # XXXX they never even responded but continue to report this account to my credit file even though it has been past 30 days. As well as verified the account with the credit bureaus.
|
| 06/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The original credit is XXXX for {$470.00} and they sold it to Jefferson Capital System LLC . I do not know if this account and have filed several dispute and they did not provide me with no proof of this debt belonging to me. The account number is XXXX and it was opened according to my credit report on XX/XX/2016. It has been 7 years and I still have this debt that do not bring to me on my reports. Im trying to buy a bigger home for me and my kids.
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a bill from XXXX of XXXX dollars that is not mine. I have never had XXXX XXXX and I have never had the phone number they are saying this account is attached to. I am a member with XXXX. I have submitted this dispute to the company and to XXXX. The debt is still under my name, and nothing has been resolved.
Original creditor : XXXX XXXX Account Name : Jefferson Capital Systems Account type : Debt Buyer Date Opened : XX/XX/XXXX balance : XXXX
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I found several addressed several misspellings and several things on my credit that r not mine and they remain I called the company and told them to prove that I did it and call me back which they never did my phone number is different now its XXXX Also I had a fraud alert from XX/XX/2020 bcuz I knew someones been using my identity and their r many hard inquiries and things after the fraud alert was placed that shouldnt b there bcuz no one called me
|
| 03/17/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Constant phone calls early in the morning almost every day, I have reported the company multiple times to the XXXX I have also disputed the company due to the excessive phone calls. I have been told on multiple occasions that they would continue to report this account to the credit bureaus and my score will be lowered. I am in a income driven plan status and I have still been getting phone calls when we are in a life crisis right now due to Covid 19
|
| 05/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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My Original debt is with XXXX from 2013. I do not deny that, in the amount of {$1.00}, XXXX. 7 years ago! Debt collectors buying bad debt has the debt looking like its a new debt. And The amount has gone from the original {$1200.00} to {$2.00}, XXXX. How can this happen? I have disputed this many times only to get a letter stating the debt is VERIFIED. Verified by who? The debt collect? This amount is not correct and neither is the date of the debt.
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| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2019 I paid {$440.00} to XXXX for XXXX XXXX Systems for a delinquent account. Per XXXX XXXX the last 4 numbers of the original account is XXXX. I called to ask XXXX XXXX when would they be deleting the account on the 3 bureaus since their website says they will stop reporting and delete the trade line if its paid in full and more than 2 years delinquent. XXXX XXXX said they do not own the account. Please see supporting documents attached.
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| 06/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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This debt was cancelled by XXXX XXXX last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. XXXX should be aware of this tactic and get rid of this debt since this issue has been resolved.
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| 02/27/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Attempted to make pays, but could not pary the amount they wanted. XXXX dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ XXXX {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.
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| 12/30/2016 |
Yes |
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
Older American |
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Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.
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| 11/13/2016 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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XXXX XXXX XXXX XXXX on behalf of Jefferson Capital system llc has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
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| 09/15/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I had my identity stolen back in 2018. A phone account was opened through XXXX in I believe in XXXX of 2018. I have reached out to XXXX numerous of times before they placed the account in Collection. Every debt agency they sell this account to removes it because I have explained to them that this is not my account. They have sold this debt to over 5 different debt collectors! They are refusing to move it even after I filed an Identity Theft report.
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| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2021, Jefferson Capital submitted a derogatory mark on my credit profile, per XXXX. After looking at what this might concern, it appears that this account was transferred/sold and I am no longer responsible for the account. Also, debtor/creditor did NOT notify my of this collection account nor was there an attempt to verify the collection. I have no written form of communication of this account or a record of my signature for this account.
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| 02/25/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX Jefferson Capital systems contacted me via email trying to collect on a debt that is over the statue of limitations. Something that's at least 12 years old they said I have 30 days to dispute the debt or it will be on my credit it's for {$910.00}. I have received a total of 3 emails since XX/XX/XXXX on this same debt. They admitted that due to the age of the debt they can't sue me but they threatened to put it back on my credit report
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| 02/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I've tried explaining to them that I didn't owe any money to them. I'm XXXX by birth with XXXX XXXX and never worked due to my XXXX. Tried telling them that someone impersonated me and used my name, social security info, and my house address to get money from credit cards as cashiers checks. I've been identity theft by some unknown people or person. Please I humbly request for your help finding the culprit and fixing my credit history. Thank you.
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| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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A item on my credit report has been illegally negative re-aged. Here is the background.
Someone opened a XXXX account in my name.
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017.
The item is as follows Debt description XXXX XXXX Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}
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| 08/16/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I checked my credit report several months ago and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it multiple times with both the credit bureaus and the company itself and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
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| 02/19/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
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| 03/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I started receiving an offer to resolve a debt but it is not mine. I reached out to Jefferson Capital Systems a couple of months ago and told them this is not my debt. The creditor is listed as XXXX XXXX XXXX and I stopped banking with them years before they went out of business in XXXX. I closed out my account which was in good standing with no monies owed to them. I do not owe this money and do not want it to appear on my consumer credit report.
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| 01/04/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
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| 05/31/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I never had a debt owed to XXXX. They sold information to a company which is now stating I opened an account with them XX/XX/2022. That information is false Ive never opened an account with this company before. They are claiming I owe them {$1900.00}. Which is false. This information is reporting falsely to all the credit agencies and needs to be removed immediately. They dont have any knowledge of me opening anything or my signature on anything.
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| 03/09/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I have never actually recieved a notification of debt let alone actual proof that the debt is real. I don't want to legitimize a debt that doesn't exist. This is not the first time I have been dinged on my credit by a past debt to XXXX. My bill to XXXX was paid out by XXXX when we switched to them, the last debt collectors backed off after I disputed it because they never sent me actual documentation. That was almost 4 years ago for that company.
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| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This collection account is reporting as OPEN.
. According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
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| 01/07/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have a XXXX account on my credit with a telephone number that has never been mine. I have had my phone for over 15 plus years.
This number is not mine. This is not my account. This is an Ex 's account. He still has the number. He still has the phone.
This is since 2012! Should be off my records! No record of my name ever being on this account. No signed documents from me I am unable to get a home because of this NEGATIVE account on my credit!
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| 08/20/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for XXXX now is Jefferson Capital
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| 06/19/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have not had a XXXX XXXX account since 2009 when I terminated it owing nothing and switched to a different provider. Since then for the past 10 years I have been getting letters claiming I owe {$720.00}, despite multiple attempts in writing, XXXX XXXX keeps harassing me. They have even fraudulently adjusted dates it seems in order to keep harassing me. Not only did I know owe what was claimed ... it's been TEN YEARS since I had a XXXX account.
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| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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I have an old debt on my credit report and they keep changing the date that it was incurred. This debt was reported originally in XXXX and its now saying it was opened two years ago. I have disputed it with XXXX a couple of times over the years and nothing changes. I have had no contact with the creditor and there is no reason for it to be re-started. I have attached past reports, showing it being closed and then they re-opened it again in XXXX.
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| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
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| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I review my credit report constantly due to being an identity theft victim several years ago and notice that I still have 5 collection accounts that have never contacted me by mail or phone. One is for XXXX XXXX which was my ex husband 's accounts. Every complaint I make results in immediate contact by the collection company. It has been several years and at this point have done everything to prove I am a victim. This ruined My life way to long.
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| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I did not open this account. I can only assume my ex husband opened this under my name when we were legally separated, or perhaps one of his friends did, but I DID NOT. i have told this to every agency or collector that calls me about it. This is NOT MY ACCOUNT! I never had that phone number, I had no knowledge of it being opened in the first place, and can not be responsible for something I didn't do, give permission for even have awareness of!
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| 03/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have disputed a debt that is from XXXX XXXX in the amount of {$2300.00}. I have disputed this debt numerous times letting them know that this is fraud. This account is very old and they keep restarting the debt over and over. The collection agency that has the debt now is Jefferson Capital Systems. I have never talked to them personally but I have disputed this debt through XXXX and XXXX. I never had XXXX service and I do not owe this amount.
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| 12/23/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Collections Agency : Jefferson Capital Systems I did not have an opportunity to request account validation. According to my credit report, this collections account was opened on XX/XX/2019. However, I did not see it until it posted on my credit report on XX/XX/2019. There was a derogatory remark on my credit report because I never had an opportunity to dispute account validity.
Alleged Amount Owed : {$460.00} This company violated federal law.
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| 11/06/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Jefferson Capital Systems {$520.00} XX/XX/2016 Original Creditor was XXXX. This charge was fraud. I submitted documentation showing the fraud, XXXX removed the debt from my credit report. Jefferson Capital refused to remove the debt from my credit report. The charges are fraud and need to be removed immediately. I have contacted them, I submitted a fraud investigation to all 3 credit bureaus, Jefferson Capital is still insisting this is my debt.
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