Date Received: 2022-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is asking me to pay XXXX $ amount that I never received from them this debt it is on my credit collection and making me angry because I never see this company before.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 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.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I settled my balance with jefferson capital for XXXX XXXX XXXX for XXXX and disputed it off of my credit, but they still have it showing as charged off and I never paid anything.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am being charged by XXXX XXXX and Jefferson Capital for a debt I did not own. I did not sign or authorize any of these accounts. I have been disputing these charges for the last 60 days with letters to the 3 bureaus and the creditor themselves. I was in XXXX XXXX from XXXX. This is fraud and someone uses my identity. This is not my debt. Please remove this from my file.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 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.
Company Response:
State: KY
Zip: 40223
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently acquired a debt for XXXX wireless that I do not owe for {$740.00} to a company called " Jefferson Capital Systems ''. I believe this is a fraudulent report and it dropped my credit score XXXX points. Please help me get this removed from my report.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A