Date Received: 2020-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX is still showing an unpaid collection on my report. I paid this collection on XX/XX/2019 with my XXXX XXXX. The collection was {$550.00} with XXXX, and the original collection agency was Jefferson Capital. When I called them in XXXX, they had turned the collection over to XXXX XXXX. I am attaching both my recent copy of my XXXX report, and a copy of my XXXX statement that showed I paid it.
Company Response:
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A debt collection company has just put on my credit an account that has been closed twice by other debt collectors as it is not mine. This is harrassment
Company Response:
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Jefferson Capital Systems had for some reason put a collection mark on my credit account for XXXX XXXX which I paid through a debt relief company called XXXX. For some reason Jefferson Capital bought it even though I settled and paid for it! I tried calling for them to take it off but person was being rude over the phone. I tried stating that it was paid and he just kept saying that it was not his problem and wanted proof. How is it my fault if they bought the debt off a company that did not tell them it was paid. Now they wont take it off my report.
Company Response:
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I recently pulled all three of my credit reports, XXXX XXXX and XXXX. After reviewing them I noticed a collection account in the amount of {$570.00}. I am not sure how this has come about. The company listed name is Jefferson capital. I have never had any business dealings with this company whatsoever. I have also disputed this account several times and continued to get automated email responses stating that the account is accurate and will continue to report as such. I have requested for the company to send real verified documentation showing that I am responsible for the bill, but they have yet to do so. I am working full time and I am also in the process of trying to purchase a new car but my credit score has been severely impacted in a negative way due to the inaccurate collection that is listed on my report. Please remove this negative item from my report.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I believe that this company is in violation of federal consumer laws by assigning a unverified debt that I have no knowledge of I have due to the inaccuracies it has lowered my credit score and Is deformation of character
Company Response:
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Suddenly today, XX/XX/2020, I had a hit to my credit report from a company for XXXX. The company is Jefferson Capital. I have never heard of them and never received a call or email or US mailing about this. I have no idea how to contact them. It states its from a previous phone account that discharged several years ago. I had no idea it could suddenly be owned by someone else and reported randomly without contacting me at all.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Called the debt collection company Jefferson Capital System about a debt that showed up on my credit report for {$3800.00} on XXXX XXXX XXXX. Company uses an automatic service, reach a fraud representative who asked for my last four of my social and address. I was told my debt was sent to another company. I was giving the phone number ( XXXX ) XXXX which is not a working number. Something isnt right about this and its effecting my credit. Now the other collection company want answering any of my questions.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Was involved in identity theft.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: According to my XXXX and XXXX Report the creditor is saying I owe {$14000.00} for an account they are saying was opened on XX/XX/2019 from XXXX ( according to their notes ). However, the creditor is unable to verify the debt or provide any documentation.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Letter Sent to my Mom 's Address, not MY address from JEFFERSON CAPITAL SERVICES LLC. stating I owe XXXX XXXX XXXX, which I have no Idea where this debt is coming from in the amount of {$1000.00}. I attempted to call the company JEFFERSON CAPITAL SERVICES they stated they are a debt collector asked me to verify address, however, since the letter was sent to wrong address I don't trust they have the correct person. I asked to verify debt with original copy of contract, they stated they need to verify account. I refuse to release any personal information to this creditor as they can not validate debt. This creditor JEFFERSON CAPITAL does not appear on my credit report and is in violation.
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A