Date Received: 2020-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently found out that Jefferson Capital System bought a debt from XXXX that I had no knowledge of. I am a victim of identity theft and they refuse to remove the information from my credit report or to fix the issue even after legal documents have been presented.
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX of this year aka yesterday, a civil servant came to my door bearing a summons to court for XX/XX/XXXX of this year. I saw no badge or uniform on this person and called to see if the court date was legitimate. It is. My sister acting in my stead with my permission and me being in the same room as I was in a bad mental place called to speak with the attorney 's office and was told to take out a loan. I, after getting a handle on myself, recalled the office trying to set up a payment plan. This will be difficult to do but I do not want to go to court. I was refused and told to get a loan or take my chances in court. I have neither the credit or collateral to do so. Today, XX/XX/XXXX, I called in order to have the office send m a copy of the debt validation letter which I do not have a copy of. XXXX XXXX, the person I have spoken to, would not listen to what I asked for specifically instead saying they would put in an order for the company to send me a secondary validation letter. She was very aggressive and I feel very intimidated trying to put my thoughts together and form answers. I do not like confrontation and I suffer from XXXX. I am very concerned aboout all this because I don't have the complete account number on either the court summons and I don't have a validation letter warning me about legal action. The only thing I have in my possession is this court summons. I don't even know how much the original debt was for.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital Systems , LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Jefferson Capital Systems , LLC are in violation of 15 USC 1692.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: i have sent dispute letters to XXXX and after i did they sold my debt to someonesle. i have also file disputes with jefferson capital systems and yet to hear from them. Im sick of them ignoring my request to resolve my credit issues
Company Response:
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, XXXX # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. JEFFERSON CAPITAL SYSTEMS , LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$830.00}. JEFFERSON CAPITAL SYSTEMS , LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My mom recently found out that there was a debt that was owed to XXXX in the amount of {$280.00} which was due to Identity Theft. This information was found out after a credit check was done through XXXX XXXX XXXX XXXX in XXXX, Michigan. My XXXX mother had been on the waiting list for 2 years. Now, due to identity theft, Jefferson Capital system is holding her up from getting into the apartment that she has been waiting on. Jefferson Capital system was called and told that we contact the Federal Trade Commission to file an identity theft report. Because the amount that was due on the XXXX was not my mom 's. My mom was not in Michigan during the time that these changes were made. Jefferson Capital systems were asked to send a letter to XXXX XXXX XXXX, stating that they are aware that the charges that were made to XXXX were due to Identity and that the charges will be deleted. Per XXXX at Jefferson Capital system states that the XXXX charges would be deleted from all three credit bureaus week. Unfortunately, Jefferson Capital system refused to send a letter, which is causing my mom to go back on the waiting list until something else is available. Which could be a long holdup for my mother.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A