Date Received: 2020-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A COLLECTION THAT DOES NOT BELONG TO ME
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have tried to call several times and no one will answer the phone. I have disputed this account with my credit bureaus and it gets taken off then reappears months later. They will not send proof of the account being mine. They have not sent any letters in the mail for me to dispute and no way to contact them to dispute the collection. The account is over XXXX years old and statue of Limitations is up.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX is reporting that my account is in collections/charge off. It was included in a now discarded chapter XXXX bankruptcy. I have disputed it 3 different times with the credit bureau and they have confirmed the debit each time. When I called them, they said the debit had been sold to Jefferson Capitol Systems LLC. I was never informed of this or contacted by this company about them buying this debit. When I contacted this company, they said I still owe the full amount to them ant refused to take off the balance or report it correctly to XXXX XXXX or the credit bureau. Bankruptcy case XXXX filed on XX/XX/19.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX is trying to say that I owe on a military loan that I took out in 2017 from a place called XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX buys bankruptcy claims, according to their website, and I have NEVER filed for bankruptcy. Two, any military personal loans that I have gotten was from a different company and showed paid off in full on my credit report. I have never received any sort of communication from this company, just that I showed up on my credit report a few weeks back. I disputed it and it did not get removed. I am in the process of reaching out to XXXX XXXX XXXX to get some type of paperwork that will prove I have never had an account with them and submit it with my dispute. I was working on trying to get my credit score up in order to purchase a home and this company has really hurt my score. I will NOT pay a debt that is not owed. Also, if what they are saying is true, then why did it JUST hit my account, even though it's never been on there from the other company or them. This company may be a legitimate company but they are trying to commit fraud and collect money that is not owed.
Company Response:
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Excessive fees
Subissue:
Consumer Complaint: I have this amount on my credit score by the cost of {$1300.00} and its for something having to do with XXXX. I have never had XXXX before in my life I dont know how that got in my credit score or how in the world I owe that amount but I know Ive lost my social about 3 maybe 4 times in my life and I know this has to have something to do with me losing my social because how would I have some random amount of that nature in my credit Im actually gon na try to contact you guys to see if you can help me remove this amount because Im not gon na pay for something I had nothing to do with and honestly this random payment has been ruining my youth for a couple of years now Ive been trying to open my first bank account so I could save money to help me get my own spot and I wasnt able to, and when I saved up the money which was about a year ago or so I still was not able to because of my credit score.. I really need help with this because it honestly wrong for this to ruin my life and I wasnt even the person to do it.
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a debt with a company I have no knowledge or contract with.
Company Response:
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is my 2nd attempt at reaching out to JEFFERSON CAPITAL SY about a fraudulent debt that they are incorrectly reporting on my credit. This incorrect reporting of this unknown collection is having a negative effect on my credit and preventing me from being a credit-worthy consumer. JEFFERSON CAPITAL SY is saying that I owe a debt, however, even after I have reached out to them, they still have not properly and correctly VALIDATED this incorrect debt that they are reporting on my credit. I am requesting that JEFFERSON CAPITAL SY provide me with the following information : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital System is trying to collect {$10000.00} from me and put it on my credit report. I don't owe this company anything, I don't even know who they are. Please remove!
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. Now, years later they are sending me collection notices, without any proof of my i.d . I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. Between myself and the authorities, we quelled 38 such credit applications. Now this one has appeared.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a phone call with Jefferson capital over this debt. They said that they would except a payment of XXXX and that they would then close the account and mark it as closed. They also said that they would remove it from my credit report. None of which has happened. They still continue to call and harass me. Send letters in the mail and argue with me about what has happened. This continues to hurt me in more than ways. It not only hurts my credit score which hurts me while trying to get a house and other loans but also they want more money than we had discussed. They have already gone back on their word and I do not trust them to keep it this time around either.
Company Response:
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A