Date Received: 2023-11-01
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS has violated Federal laws concerning the use of private information. JEFFERSON CAPITAL SYSTEMS is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting JEFFERSON CAPITAL SYSTEMS to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If XXXX XXXX XXXX isn't able to provide said items, negative accounts must be removed immediately. Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify the alleged debt JEFFERSON CAPITAL SYSTEMS you are interfering with commerce and this is a Federal Crime.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I and multiple family members are getting harrassing phone calks from XXXX XXXX and collection agency they are using for an old car debt that happend 5-6 years ago. I was sick, had health issues, Lost my job, had to move in with multiple family members because I could not care for myself. I exhausted all the finds that I had for the vehicle which had several expensive problems over and over. With no income I could not keep the car. XXXX XXXX and its people have bern calling repeatedly ( auto dials back to back ) to my phone and family members too to the point that my cell battery is run down, the peole who have the debt now is calling my extended family members whom I NEVER listed on my credit application, many intimidating calls from many weird numbers, rude calls all day including early Sunday mornings, leaving notices in mailbox, had my bank acciunt and my daughter bank acvount freezed without warning. We could not pay urgent bills, and left without even {$1.00} for food. I can't pay for my needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have another mediation agrncy calling and harrassing me all day now too. I was NEVER served with court order before the freeze. My daighter is innocent. She had a highschooler checking account opend during highschool. Her money was wiped clean and account wrongfully frozen.The receiver mediator hired by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is harrassing me so much. I had to be sent home because I was mentally exhauseted, had XXXXXXXX XXXX had 3 day XXXX and in distress. XXXX XXXX bar card number : XXXX agency is causing sinmuch stress calling from multiole numbers even on both weekend days. I hsve not XXXX dollar to my name, can't pay for anything, and maybe losing my job because XXXX cant stay afloat. PLEASE SOMEONE DO SOMERJING WITH THESE PEOPLE! I have started receiving spam froend request from debt and credit people on social media suddenly back to back. My family don't deserve this harassment and neither do I.
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: My name is XXXX XXXX. I have a problem with a collection agency called Jefferson capital system that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all 3 credit bureaus since they cant provide that contract and no success as a active member of the military I feel this wrong and I need it fixed please hurting my credit.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson capital is trying to collect on an amount that is not true and accurate. XXXX reference number XXXX states the amount owed it XXXX but the account was charged off at {$2600.00}. and jcs # XXXX they say amount due is XXXX but the account was charged off at {$130.00}.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX JEFFERSON CAPITAL SYST account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2023 I called Jefferson Capital Systems Llc to settle on the debt they brought from XXXX Credit Card Company. I asked agent XXXX about the 60 % settlement offer that XXXX sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was 10 % off in 1 payment or 5 % off on 18 payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was sent letter about a debt to Jefferson that I am not aware of and it was put on my personal credit report as a collections of XXXX which has effected my credit report rating I would like this updated and removed off my credit report as this is not my debt.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I was injured during a car accident which left me XXXX I contacted the company to see why I was charged when I have insurance coverage of {$1000.00} on all emergency transport they said no I have to pay out of pocket then proceeded to say they would sue me and now keeps calling like 3 times a day every few days this has to stop I ask that this account be rectified and deleted from my consumer credit report
Company Response:
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A