Date Received: 2020-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called Jefferson Capital located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called XXXX XXXX. They say I owe a debt of $ XXXX.And this was created in XX/XX/XXXX. I have never had a XXXX account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a XXXX account. I am XXXX years old and I use a bank not XXXX to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a XXXX account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to Jefferson Capital System XXXX. XXXX XXXX, XXXX, IL XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I received a letter in the mail attempting to settle a debt from XXXX XXXX for {$44.00}. I rarely use XXXX and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe Jefferson Capital is phishing me for information or falsely trying to extort money from me. I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. The Company is : Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems is repeatedly trying to collect a debt that it can not validate as mine.
Company Response:
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had sold and item thru XXXX several years ago. The person then decided he didn't want it, and wanted a refund. The sale was final As-Is, but i decided to refund the charge. I refunded his money thru XXXX, then AFTER that he filed a dispute with his credit card, which then reversed the entire XXXX. So now i'm out that money and the money i refunded him. XXXX refused to give me any information on his credit card that i could contact and file with them, then wanted me to pay them the XXXX. This was a scam from the beginning and XXXX was in on it. Now they have sold to an outside firm, trying to collect from me. I have no additional paper work, as it was on the XXXX site, and they have blocked my access to it.
Company Response:
State: NC
Zip: 28352
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Company Response:
State: MN
Zip: 55378
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft and I notified the company involved. Jefferson Capital SystemsI asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The account is unknow to me and the collector did not verify the account, please send me the original contract with my signature
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
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: Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I do not remember the exact dates it has been years, I originally did have an account with XXXX, but they forced me to keep me account open against my request and the bill continued to go higher even though it should have never been allowed to go beyond 1 single period. So everything is inflated and incorrect! I am being bullied.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good day, during the XXXX weekend, the XXXX that me, my wife, and XXXX children ( XXXX, XXXX, and XXXX months old ) worked very hard to figure out how to make a large impact with our XXXX. We figured out a way to make a lot of sales during the week, and were excited about our new found success. During this time, XXXX decided to put a lock on my wifes XXXX account. The reason was that there was an account that I owed money on. I had used XXXX for a previous XXXX, and I owed them as the account went into the negative somehow. I was wrong for not handling the account properly at the time. I was in a bad spot, and my XXXX account had been an added debt on my end and I never heard from them, so the debt definitely slipped out my mind. So when XXXX saw that money was coming in at a faster pace, they held {$7100.00} of our money since XX/XX/XXXX. They felt that theyd found information that linked my account to my wifes account. They froze her funds, that had nothing to do with my old account, and demanded that I pay my debt, before they allow her to use the funds that we had earned during that weekend. We were using that money to finally spread some cheer to our family during a very difficult covid period where we are in California, away from family. They required payment, and we made the payment to the collection agency that they sold my account to. And then this is where the real problems begin. On XX/XX/XXXX, I make my payment to Jefferson Capital. I pay the debt in full, hoping that XXXX will receive information confirming the debt was paid. They will not remove the block on the account. They are using tactics that are completely unfair to hold funds that my family has earned. We emailed the paid in full letter to XXXX because they have said repeatedly that they have not gotten any confirmation from Jefferson Capital. Ive called XXXX many times. Each time, they bounce me around from department to department. They tell me that limitations is the only department that can help me. Then limitations department say that the collections department is the only one that can help me. Each department comes with a hold time of 90 minutes per department, per call, and nobody will help me. I have sent the paid in full form to XXXX and have been confirmed 5 times that it was received by various methods. I have also faxed, and uploaded this form to their systems. They confirm receipt but still do nothing to unlock our account. They have a reputation for having done this to many accounts Ive found. I have had to call and sit on hold so many days and have received little to no assistance. On Monday XX/XX/XXXX, I spoke with a supervisor in the limitations department after the initial operator said they could do nothing to help me. The supervisor received my letter of payment and told me she submitted it to be verified and that in 10 hours, my issue would finally be resolved. And it wasnt. They wont refer to any notes on the account, or previous representatives to get to the bottom of it. Instead they continue to hold our funds hostage, even though the debt has been paid for almost a month. We had a supervisor from collections on XX/XX/XXXX, hang up on me because Id called him Bro. I admit that it should not have been the word choice, but I didnt mean it disrespectfully at all. I was attempting to show that I was human, and trying to have him level with me. He did not like that and XXXX, operator XXXX hung up. And then when he called my wife XXXX back, he attempted to help again by opening a case on the verification process for the form we sent in. When she asked him to speak with a different supervisor as he would not fulfill our request to have the paid debt removed ( he works in the collections department ) he hung up again, citing that we had received 3 strikes. Requesting to speak to someone else is a strike in their culture is a strike. Standing up for yourself when a supervisor at a place you do XXXX with, is a strike against you. This supervisor literally told me that he doesnt have to help me and that by staying on the phone as long as he had was not something he had to do. He may have been having a bad day, and I understand that we were on the phone for a long time, but at that point, I was on the call for 3 hours and 58 minutes. The culture of this company is poor, and we have never been so humiliated in our lives. We wanted nothing more than to have the account reopened as we handled the issue that I created by not having paid my account up. Now they are also saying we have to provide new information on our social, which is fine, other than the service doesnt interrupt over this. We cant even do anything because theyre holding ALL of our funds. As a XXXX, we have been unable to access our funds since XX/XX/XXXX, and are desperate to have the funds released as we paid our debt. I called Jefferson Capital with XXXX XXXX on the line and their supervisor XXXX said that to his knowledge, once a company sells a collection account to them, they no longer have any access or claim to it. Instead, XXXX is using bullying tactics to do all of everything else they want, which prevents them from being accountable. Its 2021, and theyre claiming that they cant even see the payment was cleared. Which shouldnt take two companies 21+ days to confirm. Please help us!
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A