Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson capital has been on my credit report for years for the balance of {$310.00}. Ive tried disputing it multiple times and I just get its been verified. Ive not once received a letter, a phone call, or anything proving to me that I own this debt and I have no recollection of acquiring this debt.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2022 I told XXXX XXXXXXXX XXXX that the debt a collection agency named XXXX XXXX for {$840.00} was not my debt, and that I was a victim of ID theft. They said they would close my account and send it for collection. Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX collection agency : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 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.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 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
Company Response:
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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.
Company Response:
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 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.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: they keep calling me about a 10 year or older debt that I have repeatedly told them is not mine
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020. My account was on auto bill and my payment of XXXX did not go through. I reached out to the company and they said that the saw that the payment tried to go through but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage and the company will not help me with this unfair situation.
Company Response:
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A