Date Received: 2020-05-31
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX department XXXX XXXX XXXX MN XXXX XXXX Cell phone Acct # XXXX Charge off {$1300.00} Connect date, Delinquency XX/XX/XXXX Date reported XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. On Sunday, XX/XX/XXXX, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, Jefferson Capital Systems LLC, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. This violation has been reported to the CFPB and XXXX
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: After reviewing the credit profile on XXXX, Jefferson Capital continues to furnish a collection from XXXX XXXX. Made several attempts to contest to contract and validate the signature.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX I lost my job, transportation went out on me and had a hardship that I couldn't recover. This debt and negative reporting every month from XXXX - XXXX has negatively affected my employment options.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection was opened XX/XX/XXXX for a XXXX XXXX account. Amount was XXXX. I have taken numerous steps with the company but I have not gotten anywhere. There is no way I could have opened a XXXX account, 1 because it was opened in XXXX/XXXX of XXXX when I had no way of opening it, secondly I have a XXXX account of my own
Company Response:
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Jefferson LLC constantly calls day and night claiming I owe XXXX XXXX over {$3000.00}. While I did get a XXXX behind due to ID theft, I DO NOT owe them anywhere near that much as Id been paying on my computer for over 7 XXXX years! I told Jefferson I would pay what I can when I can. But they call 5, 6, or more times per day every single day!!!!!! I block one number, they use another. Just in the past 2 years, Ive blocked them at least 242 times!!!!!!!!!! Please stop this!!!!!
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called the company to explain to them this isnt my debt. Explained that my XXXX ex had taken my info and was doing things I was unaware of. Even tried to settle with them because I want this painful time to put in the past.
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My Original debt is with XXXX from 2013. I do not deny that, in the amount of {$1.00}, XXXX. 7 years ago! Debt collectors buying bad debt has the debt looking like its a new debt. And The amount has gone from the original {$1200.00} to {$2.00}, XXXX. How can this happen? I have disputed this many times only to get a letter stating the debt is VERIFIED. Verified by who? The debt collect? This amount is not correct and neither is the date of the debt.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call a few weeks ago concerning a debt owed to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. There is a further reference about a Jefferson Capital Systems, I don't know of them either.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX, XXXX. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future. The balance is {$8700.00}. This letter was sent on XX/XX/2020. This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called Jefferson Capital Systems , LLC. The new debt collector XXXX XXXX is attempting to collect an invalid debt that has been resolved.
Company Response:
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call last week stating I owe {$12000.00} for health insurance. I am a XXXX employee and was a XXXX XXXX before that - since 2010. I was XXXX before that. The XXXX/my XXXX XXXX has always paid my medical insurance directly from my paycheck. Ive never requested additional coverage ( especially to the tube of {$500.00} a month!!! ) I dont owe this debt. They sent me a letter in the mail today. It hasnt gone against my credit yet - but Im afraid it will. I have over 800 credit score and have had for over 20 years. Im tried to call the company and no one is available to speak to me. Even leaving a message cant be done because the automated system hangs up on me. This letter demands I provide my full social security number, account number, a description of my complaint ( their errors ), the dollar amount I owe ( even through they told me what I supposedly owe but so not owe ), date of their error ( but I have no idea what this is about - first time I heard of this was last week when the lady told me I owed 12 grand and hung up ), and a copy of my credit report. Um. Not o my no, but XXXX no. Im not giving a random company all the info they need to steal my identity. They cant even get it right that I dont owe a XXXX ton of money for something Ive never purchased. This is obnoxious. I dont owe them anything yet they dont provide a means to speak to someone, and the burden is on me to chase them down and provide vastly personal information. Why would I trust them with this info even if I did owe money???? How can I get them to stop asking me for money I cant owe since Ive ordered {$500.00} a month medical insurance I didnt need?
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A