Date Received: 2021-08-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have made multiple attempts to resolve this issue with Jefferson capital, i have provided proof of legal documents stating i have been a victim of indentity theft.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 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.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to Jefferson Capital Systems. In my request, I disputed the unverified data and requested proof of debt. It is now XX/XX/2021 and the unverified debt remains on my XXXX and XXXX Report. In my request for removal- the debt agency claimed the debts have not been reported. The attachment has been supplied. However, the item remains on both described reports for - {$1600.00}.
Company Response:
State: TX
Zip: 78705
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson capital systems has been reporting fraudulent charges from XXXX XXXX on my credit. I am a current XXXX XXXX customer and carry a XXXX ballance I have reported to XXXX and jefferson capital systems the fact of the fraudulent account. Neither have been able to assist
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Jefferson capital keeps reporting a balance on my credit reports that I have told them is not my account they are saying its a XXXX account which I never opened. It was disputed with both XXXX and XXXX and it was removed after a dispute. Now they have added it back as a new account to both reports. I have had the same cell service for 10 years I have never opened a XXXX account.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom this may concern, I sent a debt validation letter to Jefferson Capital System on XX/XX/2021. In which I never received a response back, yet they are still reporting to the credit bureaus.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX I mailed a certifed dispute letter to JEFFERSON CAPITAL SYSTEM and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violationing my rights and they have over 1200 complaints on XXXX they also have over 300 complaints with the CFPB
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 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
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A