Date Received: 2021-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've disputed this account every way I know how, and Jefferson Capital has never sent me anything! I have no idea who they are or why they are reporting to the credit bureaus! I have written them several letters demanding that they declare who they are and why they are reporting information about me, and they have not complied! This is a violation of the FCRA! Please help me!
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/2020, Contacted JEFFERSON CAPITAL SYSTEMS, and was repeatedly referred to XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Fax XXXX XX/XX/XXXX, payment clear the bank account to XXXX XX/XX/XXXXXXXX XXXX XX/XX/2020 received email from XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX with attached letter stating : CURRENT CREDITOR : JEFFERSON CAPITAL SYSTEMS REFERENCE # : XXXX ORIGINAL ACCOUNT # XXXX This letter will confirm that the above referenced account has been satisfied in full. Should you have any questions, please feel free to contact my office. Thank you, XXXX XXXX XXXX XX/XX/2020 made repeated phone calls to Jefferson capital systems which kept referring me to XXXX and XXXX. XX/XX/2020 and XX/XX/2020 received the results of two different disputes via XX/XX/XXXX with which I even uploaded proof and explanation as to how the account was paid off, and the company says I still owe the money and it has been unpaid every month. XXXX XX/XX/XXXX XXXX has repeatedly told me via customer support via being directed there by Jefferson capital systems, " my credit report status will be changed to paid for the collection '', and " XXXX balance should be shown ''. I have been unable to get a personal response from Jefferson capital systems and the only company that reached out after contacting multiple times was XXXX XX/XX/XXXX XXXX and that was to assure me the other company would update my credit report appropriately. This was a court ordered debt my ex-wife was awarded in a divorce ( she got the debt in my name while I was XXXX on a submarine with no contact and she had no power of attorney ). I have a notarized letter from her stating she took full responsibility for debt. I paid to get it off my record and suing her in small claims court for not taking care of it. I can provide additional proof of that as well. I took screenshots of the email from XXXXXX/XX/XXXX XXXX and attached, let me know if I need to provide the actual email.
Company Response:
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to XXXX that the debt was not mine, XXXX agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, Jefferson Capital - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I spoke to a debt collector name XXXX from Jefferson Capital Systems llc in XX/XX/2020. I got a letter stating I owe a debt and I called the company and XXXX illegally lied and said he is an attorney and threatened me with a lawsuit and told me I had to pay 25 % out of my paycheck. I told XXXX that he is illegally impersonating as a fake attorney. He proceeded to argue with me and the conversation we had escalated. XXXX forced me to give him my personal information and he refused after I told him I dont feel comfortable giving my personal information over the phone. I called back the company the following day and they refused to take care of the situation. XXXX also told me that I shouldve paid my debt instead of spending all my money. XXXX also refused to tell me his last name when I asked him. Jefferson Capital Systems llc removed the debt collection off my credit report and are still garnishing my wages.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contact Jefferson capital several times over this debt and let them know this is not my debt now it shows up on my credit report twice totaling {$800.00} this is fraud! on my credit report it has 2 other account # XXXX & XXXX
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Company Response:
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
Company Response:
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please see below that XXXX XXXX is stating that I opened an account on XX/XX/2019. I have never had an account with this company and I have had my information stolen and compromised in the past on the XXXX XXXX and had my wallet also stolen in the past with credit cards and my id. I do not owe this {$620.00}, it is not my bill. This account is not mine, and my name has been misspelled many times on my credit report. I know how to spell my own name and I have never, ever used a different spelling of my name when obtaining any service or credit. Neither of these company 's will respond to my messages to remove this off of my account. I have disputed this many times to get nothing done. This company can not hold me to this bill when this is not mine. This needs to be removed from my Credit Report. I am also contacting the XXXX and the State of Florida Attorney Generals Office. This bill will not be paid, this is not mine and please remove it from all 3 Credit Reporting Agencies. Thank you. ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX DISPUTE REASON : Ownership This is not my account ; it belongs to a relative or person with similar name/address. CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but did not change your information. See your current report
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sorry, Im bothering the committee to help investigate the issue of my identity theft. Today, I received the issue of XXXX and Jefferson debt collection company for no reason. I have complained to the committee before. I dont know why XXXX hasnt been in two or three years. Take care of my identity theft issue! It caused me a lot of trouble. I troubled the committee to deal with it again. Thank you very much!
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A