Date Received: 2021-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital says I have a debt with XXXX XXXX for {$390.00}. I haven't had an account with XXXX since 2012 and cancelled the account in good standing. This is the first that someone has attempted to collect anything.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I asked the company if they could send me proof that this is my information and I didnt get a response from the company. I didnt have service with the company at all. XXXX sold my information to a debt collection company.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Identity theft protection or other monitoring services
Subissue: Billing dispute for services
Consumer Complaint: XXXXEFFERSON CAPITAL SYSTEM In my credit I got a debt of XXXX in collections They opened it on XX/XX/2021 That account was opened without my authorization XXXX XXXX XXXX Original creditor
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Company Response:
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: NV
Zip: 89106
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems is reporting a debt to the credit bureau that is not mine. I have asked for debt validation which has not been received.
Company Response:
State: SC
Zip: 29506
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A