Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In 2020 I purchased phones from XXXX. We were lied to by a predatory sales agent about XXXX service and bill amount and when we went to address it, the agent had been fired. XXXX greatly reduced the amount owed on the account and only made us pay the balance of the phones as an apology. ( from XXXX to XXXX ). A few years later the difference showed as a debt to Jefferson Capitol Systems on a credit report. We contacted XXXX and they said there was a mistake and it would be handled. They said it sometimes happened whenever accounts are paid off. I waited 6 months and it never went away. I was told to contact Jefferson capitol. They said they could not remove it, that they purchased the debt from XXXX so to them it is a debt. I attempted to pay it to just be done with it even though I shouldnt have had to and they said it cant be paid because they no longer have it and that they sent the debt to a sister company in ( XXXX ). I was never notified. When I contacted XXXX they said they did not have it that it was sent back. I was not notified about this either. Only Jefferson Capitol shows on my report. Neither debt collector has any information nor will allow the debt to be paid. XXXX did not even know the balance owed and didnt have any information they could use to verify who it belonged to. I have done everything I can short of hiring an attorney and contacting the police. To them this is a non-issue and an everyday practice, to me and my family it is hurting our ability to purchase a home..
Company Response:
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The account is not mines and I ask them to validate the debt and they couldnt.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: JEFFERSON CAPITAL SYSTEM OPEN ACCOUNT FRAUDULENT UNDER MY NAME ON XX/XX/ XXXX XXXX Reporting fraudulent activities to the credit bureau that is damaging me and my family credibility, I never opened and account with JEFFERSON CAPITAL SYSTEM or give them any permissible purpose to obtain my information NON DISCLOSURE without Consent is IDENTITY THEFT, I made several attempts to show proof of a contract and they ignored my request
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Jefferson capital has added collection debt to my credit report. Various disputes requesting documentation this debt is owned by Jefferson capital and that i am the debtor. No proof has been given, i have been ignored and the credit bureaus have not helped.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Jefferson Capital has a collection on my report for almost {$10000.00} and the same company is reporting another debt for {$14000.00} that Im not even aware of nor have I received any documentation about any before hitting my report.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have had numerous calls from a debt collector claiming their attempting to collect a debt. I ask them for proper documentation of this debt. They just say for XXXX XXXX. I never received any documents other than an email demanding I pay them. They gave me a reference number in that email but there was nothing explaining why they think I owe them.. I responded back asking them to again provide proof or any information that they might have. They have no solid proof or real reason as to why I owe them. Jefferson Capital did not provide validation of debt they claim I owe. I asked for debt verification and they simply provided an amount owed and payment plans. NO form of verification. They are simply hurting my credit score and harassing me at this point.
Company Response:
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Jefferson CapitaXXXX claiming I owe {$1200.00}, offering settlement options. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions
Company Response:
State: TX
Zip: 77414
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The original creditor has been satisfied with the return of telephone equipment that you never signed for. I have a XXXX balance with XXXX and the collection agency is using XXXX, XXXX XXXX and XXXX to bully a payment from XXXX consumer.
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After many attempts contacting Jefferson Capital Systems , LLC, at XXXX, regarding my Identification being stolen. I have yet to get any resolution. I spoke with XXXX XXXX employed with Jefferson Capital Systems , LLC on XX/XX/XXXX, via email ( XXXX ). I asked, XXXX XXXX to give me an update regarding a Identity Fraud account listed in my name. Jefferson Capital Systems , LLC is currently Garnishing my wages after I explained, Jefferson Capital Systems , LLC on several occasions that this account was created without my permission. I have an email where XXXX XXXX confirmed recieving my Identity Theft packet filled back on XXXX, XXXX & has blame the law office of XXXX XXXX XXXX for delaying cancelation of my wages being garnished. This has been extremely frustrating. Jefferson Capital Systems , LLC has continued my wage Garnishment through my Employer due to greed. Please help me stop this Collection Agency, Jefferson Capital Systems , LLC stop the wage Garnishment & immediately refund all monies thats been Garnished. This has affected my mental health badly. Help.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A