Date Received: 2020-08-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The collection amount is {$300.00}. I have not been a XXXX customer since XXXX or XXXX. I was stationed overseas in XXXX when the collection account was opened. I have never been contacted or notified of a collection prior to it showing of on my credit report XXXX XX/XX/XXXX. I contacted the XXXX customer service but they said they already sold my account to Jefferson capital systems collection agency without noticing me. I didnt owe money to XXXX because when I closed my account in XXXX or XXXX, I paid all my bills over the phone with a lady from XXXX.
Company Response:
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Was told they were allowed to run my credit to sell my closed written off debt
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Jefferson Capital and XXXX XXXX Credit Card settled my account assuring me it would be removed from my credit report. I was deceived into paying off my account. The Credit Bureaus says now they won't remove XXXX XXXX Credit card from my credit report
Company Response:
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I called Jefferson Capital Systems, today, XX/XX/2020. In an attempt to clear up, as in request a settlement on this collection notice on my credit report. I spoke to XXXX who was extremely rude, and constantly interrupted me and spoke over me. She gave me an amount of {$200.00}, to settle the account, to which I am in agreement to pay. I simply ask that they send me something in writing and I will pay it. They said they sent me something in the mail in XXXX which I have not received. I live in an apartment complex and our mail gets put all over the place. I have even had medication from the VA found in different mailboxes on at least two occasions. I said I would even take an email. I got tired of talking to her and asked for a manager. I ended up speaking to XXXX another extremely rude and disrespectful person. I told her that I would even accept an email while we were speaking on the phone and pay it over the phone. They refuse to send me anything until I gave my checking account information or debit card information. I cleared up an account with this company from a letter I had in my hand with an agreement. Please listen to the tape they have and you can easily hear me trying to make an arrangement to get this paid while be interrupted and spoken over which is very disrespectful.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For 6 months both Jefferson Capital Systems and XXXX XXXX, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. JCS who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX Credit Report, but refused several times to do the same with the duplicate account. JCS accuses XXXX in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by JCS. This never verified debt, and this fraudulent tactics by JCS have been damaging my cost of funding and my credit worthiness. By this conduct I demand XXXX and JCS to remove that account from my XXXX Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.
Company Response:
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company is billing me for an account that is not mine. On XX/XX/2020 they sent me a bill. On XX/XX/2020 I sent the a letter in response to their bill. I requested from them a copy of the signed credit application. They have not replied.
Company Response:
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I asked to have the debt verified which it was not in XXXX and then after that its been repeated calls from this company to my phone using multiple numbers. These are the numbers they have used to call me : XXXX that was XX/XX/XXXX, XXXX XX/XX/XXXX,XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. There are many many more that I can list on top of that they send letter to my home. Ive asked to be taken off their call list in XXXX. It has not stopped and I feel vey haressed at this point
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by Jefferson Capital about a debt to XXXX that is not mine. I notified them that the debt was not mine. I asked them to send validation of the account. I did not hear from them again. This week I received a credit alert that I had a new negative credit account on my report. I looked into this and Jefferson Capital listed this account on my credit reports. They did not validate the debt at all and now are attempting to extort money I do not owe by listing this on my credit report. I have not had a XXXX account in over 15 years and closed that account with no money owed.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
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: I have a loan with JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts 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. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect 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: 367XX
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A