Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX, entered into a consumer credit transaction with XXXX. I do not know who Jefferson Capital is. I have never spoke to them or done any business with Jefferson Capital. I do not know how or why they have my personal information. Jefferson Capital is trying to deceptively coerce me into making settlement on a " debt '' I do not owe. I have been harassed with multiple letters and have XXXX for the past few months since receiving these notices.
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/2021, i sent a dispute letter to the consumer reporting agency disputing an alleged debt by Jefferson Capital Systems. On XX/XX/2021 ( not within the 5 days 15 US code 1692g gives which is a violation ) i received a letter from Attorney at law XXXX XXXX stating that this is an attempt to collect a debt. After the consumer reporting agency failed to remove my dispute and stated the debt was verified i begun to research what verification methods were used to verify the alleged debt. Congress states the natural person has to verify a debt. Congress also states that in order to verify any debt interviews must be taken with family or neighbors, nothing on the list of validation has taken place therefore this alleged debt has not been verified. Pursuant 15 USC 1681b ( 2 ) permissible purpose which i have not given a written consent to furnish. On XX/XX/2021 i sent a letter regarding debt being alleged and that contacting myself via mail is a violation because you were never given consent. Since this charge off has been placed on my consumer report i have suffered living arrangement damages. As a consumer and natural person im aware my what my social security card and my birth certificate is. Jefferson Captial Systems has held an allege debt of {$3100.00} on my consumer report for atleast 4 months.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive mailed debt validation letters and have never received response within the allotted 30 day requirement.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sent validation letters and Jefferson Capital Systems failed to respond
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have never had any contact with this company, nor did I conduct any business with such company, If there is any contract signed by me and them, Perhaps then and only then I would address this illegitimate claim.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I do not have any agreement with Jefferson Capital Systems as well as received any notice to the alleged debt. Both actions from this debt collector are in violation with 15 U.S. Code 1692. Ive attached a document that I have tried multiple times to get to Jefferson Capital Systems and did not receive any reply.
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I RECEIVED DEBT COLLECTION LETTER FROM JEFFERSON CAPITAL SYSTEMS, THE LETTER WAS AN OFFER TO PUT THE COLLECTION AMOUNT ONTO A NEW CREDIT CARD, WHICH WOULD FORGIVE A PORTION OF THE DEBT. WAS REALLY CONFUSING. I WROTE JEFFERSON A LETTER REQUESTING VALIDATION, NEVER RECEIVED A RESPONSE. I RECEIVED ANOTHER LETTER TO PUT COLLECTION AMOUNT ONTO A CREDIT CARD, AGAIN WAS CONFUSED ATTEMTPED TO VALIDATE DEBT VIA A MAILED LETTER. NO RESPONSE AGAIN. XX/XX/XXXX FIRST LETTER RECEIVED XX/XX/XXXX SECOND LETTER RECEIVED XX/XX/XXXX 1ST VALIDATION LETTER MAILED XX/XX/XXXX XXXX VALIDATION LETTER MAILED NO RESPONSE NO OTHER COMMUNICATIONS RECEIVED XX/XX/XXXX MY WIFE WAS HANDED A SUMMONS FOR ME FOR THIS DEBT.
Company Response:
State: CA
Zip: 91384
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Jefferson Capital Systems is reporting a debt on my file that I do not owe. I recently took a look at my file and noticed this debt is still reporting. This debt is past the statute of limitations in the state of Utah and past the credit reporting limit. I ask that they please remove the account from my file or I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I called in regards to a debt. I received two letters and a filing from the court. I have never spoke to anyone from this company or received any other information from them. When speaking to XXXX he told me I had two debts with him and asked me what I could pay hm today to resolve the debt. I told him I had {$100.00} today and he said that wouldn't be enough to take care of the two debts. He could give me only {$120.00} for the one. I asked about the third debt I had. He told me it was in another department and he could transfer me after I paid these two. I told him I wanted to know all I owed to them He said he couldn't tell me that but unless I paid him today he wouldn't give me the other offer again. I said I needed the whole amount and that's when he started basically yelling at me that he needed my payment before he could do anything and talking over me and telling me there's nothing he can do for me if I didn't pay him now. I told him Idid n't appreciate the way he was talking to me and he continued to be rude and ignoring what I was telling him. All he was concerned about me paying him today. He didn't ever once offer me the payment options that are in the letter they sent me either. He only wanted me to pay the both today. I spoke to the legal dept and made arrangements with them on the larger amount but I had to get a manager on the phone to transfer me to them. He would only give me the number to call myself.
Company Response:
State: OH
Zip: 44641
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A