Date Received: 2021-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On multiple occasions, I have asked that this debt be verified as mine and neither the company nor credit bureau furnishes proof that said debt is mine. This debt does not belong to me and should not be reporting to my credit report.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX Jefferson capital systems I sent a letter directly with this collection company I ask them to provide me verification of this alleged debt as mine with a wet signature or any instrument bearing my signature which they did not provide me with they only sent me a bill an I also placed a dispute with XXXX to confirm them that Jefferson capital systems did not provide proof and they are reporting late payments and past due on a closed ended account which is a fcra violation
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notification from XXXX dated XX/XX/2020. Then i received an notification from XXXX stating that a collection account has been added to my credit report and this dropped my score 13 points. I have no contract with XXXX or Jefferson Capital Systems LLC. I have never received any correspondence prior to this date allowing me to request validation of debt or giving me the ability to dispute this account. I want this account removed immediately and validation of debt from XXXX ( Jefferson Capital Systems ). I have never signed a contract with this company or have any knowledge of this debt from them. Please remove the account from all three credit reports within 30 days and send an updated copy of my credit reports showing this immediate change.
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dates : XX/XX/XXXX and XX/XX/XXXX Amount : {$1700.00}. Falsely reporting inaccurate information to Credit bureaus. Company reporting false information : JEFFERSON CAPITAL SYST.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I asked the company for verification of the debt, but the documents they sent have my FATHER 'S name on it. XXXX XXXX is my father. I am XXXX XXXX.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this debt collector in XXXX now they are claiming I owe them more money for a debt incurred at I time I did not open any accounts.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original account was XXXX XXXX who wrote off this account years ago which reflected on my credit report. Jefferson Capital allegedly purchased this " account '' as a secondary collection and placed a Negative Mark and Collection on my Credit Report which I challenged. The issue is that Jefferson is falsely stating that the debt began on XX/XX/2020 on my Derogatory Remark when in fact the account was written off years ago by XXXX. The clock can not start anew and a recent date advanced which will result in a longer period of record on the credit report. Jefferson Capital needs to adjust the date to the actual write off date which is years ago. By their own written admission, the collection is too old for any collection attempts.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter on XX/XX/2020 from a firm called Jefferson Capital Systems LLC stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " XXXX ACCOUNT. '' After reviewing my e-mails and XXXX and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from XXXX notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from XXXX stating that my balance had been sold to the creditor Jefferson Capital Systems LLC. The letter sent by Jefferson Capital Systems LLC dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXX in XX/XX/2020. There was not attempt by XXXX/XXXX to notifying me of the balance they sold to Jefferson Capital Systems LLC of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. While I was initially unaware as to what this balance could be when receiving the letter from Jefferson Capital System LLC, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. In this case, I believe that XXXX and Jefferson Capital Systems LLC are both fraudulent operators. XXXX XXXX fraudulent activity including the sale of accounts receivables to J efferson Capital Systems LLC in which they had already received payment from the initial customer. I believe that Jefferson Capital Systems LLC is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to Jefferson Capital Systems LLC to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the Jefferson Capital System LLC 's ownership of the balance and request for payment.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital would non stop call in regards to a disputed debt that occurred with XXXX XXXX over 2 years ago.I told XXXX I was going on XXXX overseas and to put a hold on my account. XXXX never put a hold on my account and immediately threw it into collections while I was XXXX. They damaged my credit and refused to correct it even though it was a violation of the Servicemember Civil Relief Act. Eventually the credit bureaus dropped XXXX derogatory notes after disputing them. Now XXXX ofXX/XX/XXXX Jefferson Capital decided to pick up this debt and won't stop calling me and hit my credit every month with a derogatory remark of past due.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our XXXX accounts and then withdraw them, particularly my XXXX account. My lawyer has contacted this firm.
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A