Date Received: 2020-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/20 @ XXXX called Capital Systems XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me. XX/XX/20 @ XXXX called Capital Systems XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to. XX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call. XX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me. So it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD OF.
Company Response:
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently applied for a credit line and was denied due to a recent collections. I pulled up XXXX XXXX and a new collection was added from a company called Jefferson Capital System this dent is showing opened in XXXX XXXX The original creditor for this listing is XXXX XXXX XXXX. The loan from XXXX XXXX was prior to XX/XX/XXXX which is 6 years ago and has no payments made on it since XX/XX/XXXX. This debt was illegally re-aged and has harmed me. It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and requested proof of my debt be sent to me. They continually refuse to talk to me unless I provide them with my social security number. The company seems like a scam and I have never heard of them nor agreed to do business with them. Yet, they are negatively affecting my credit reports.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a car loan with XXXX my car was totaled my insurance paid debt then the finance company sold car and never put that money towards loan then charged it off claimed that charge off to the government got credit for it and sold the loan in which has reported wrong amount owed as has falsely reported this debt on my report as a new debt I am not in contract with Jefferson Capital nor have I ever signed an agreement to them that makes me obligated to pay any amounts of money this goes against my fair credit it rights any I would like it removed immediately from all my credit reports.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a XXXX XXXX account back in XXXX it is a closed account and paid in full. The company is paid in full on all credit reports. This company is closed and paid in full and the credit reports reflect this. I tried contacting XXXX XXXX and they are no longer in business and now this company Jefferson Capital Systems LLC shows up on my report. A collection company called Jefferson Capital Systems LLC put on the credit bureaus that we owe money to them. I have documents from credit bureaus that this account is paid in full. Please help as no one at the credit bureaus are even looking into my accounts. This company is trying to collect something that is not owed to them. This company has impacted my credit horribly and they should not be allowed to get away with it. I am sending the credit information showing this company is fraudulently reporting and refuses to remove it. The credit bureaus are not taking the time to investigate the companies actions. Below is the information they are reporting to all three credit agencies. I called the company never heard of me. FRAUD! JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements This is what it states on credit bureaus but it is fraud and does not meet FCRA requirements. It is actually violating FCRA in sections 608 and 611. Please investigate thoroughly as this company is violating FCRA and FDCPA very badly and falsely putting information on my credit reports under collection.
Company Response:
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XXXX Spoke with company about resolving debt they told me I could for XXXX. I told them I had XXXX she told me they could not and if didn't call by XXXX day of XXXX 2020 the original debt would be due I said ok.. XXXX Called back to talk with supervisor about the same and she was even more rude and threatening telling me I had to pay and XXXX was too low or they would keep calling
Company Response:
State: SC
Zip: 29303
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems is reporting I owe XXXX on my XXXX Credit Report and showing XXXX on XXXX Credit Report. I work with a debt company who has gotten this account closed but they are still attempting to collect.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in XXXX of XXXX I left XXXX XXXX and took my phone service to XXXX. I received a collection notice from XXXX XXXX XXXX. I disputed the charges because they were charging me for phone service when my number was now owned through XXXX XXXX. The charges were removed immediately. Jefferson Capital LLC has continued to repeatedly add this collection to my report. Making it look like its a new account. I have had them remove it two times prior. in XXXX of XXXX in addition to another time in XXXX. This time it says the account was opened in XX/XX/XXXX and I owe XXXX on XXXX and XXXX. I have never received a call or piece of mail about this collection. I have called multiple times and this last time was a threat they were going to add things to my report and hung up. Jefferson Capital LLC is not licensed in the State of Florida to collect. Their license was terminated back in XXXX. License Number XXXX
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been disputing this debt for months. I have never received any documentation from them regarding this alleged debt. They are reporting false and inaccurate information on my credit reports.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A