Date Received: 2021-07-16
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: 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.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2016, I applied for a semester of college with XXXX. I did not choose to go ahead with attending. XXXX took my student loan money even though I never attended.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Never got a letter or anything just checked my credit and there this Jeffcapsys for XXXX XXXX is for {$930.00} on a debt that I have never had. I talked to XXXX the account was opened when I was XXXX. Ive been u see my parents cell phone threw XXXX my entire life : I have tried removing this but Jeffcapsys person on the phone says too bad pay or we will sue.
Company Response:
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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
Company Response:
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: 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.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital Systems bought this debt from original creditor XXXX XXXX this has been on my credit for 8 1/2 years and its still damaging my credit after 7 years it's suspicious and sposed to come off please help me these people are crooks
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. 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. After further investigation, the accounts is not mines and is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX -JEFFERSON CAPITAL SYSTEM # XXXX
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A