Date Received: 2020-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM 12 XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account as the account was paid in full to XXXX when account was closed 10 years ago and I have not since had another phone CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : JEFFERSON CAPITAL SYSTEM {$9300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX JEFFERSON CAPITAL SYSTEM {$2300.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had received a couple of calls from Jefferson Capital at the end of XX/XX/2020, but nothing out of the ordinary. However, today, Wednesday, XX/XX/2020, they called me four times within an hour. The first two were at XXXX and XXXX and the last two were at XXXX and XXXX. I answered the last call and informed them I would be filing harassment charges against them for the repeated calls.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as Jefferson Capital Systems, Inc. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by Jefferson Capital Systems , LLC. 2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update. 3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX did no such transfer, nor was I ever given any such proof. 4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers. 5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 6 ) This collection is illegal, and XXXX XXXX XXXX is in violation of my rights under the Fair Debt Collection Practices Act. 7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX recalling this debt information immediately. 8 ) Any and all references to this account must be deleted on all credit bureaus. 9 ) XXXX XXXX XXXX must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. Jefferson Capital Systems , LLC has an enormous amount of complaints filed with the CFPB already. As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of Jefferson Capital Systems/CL Holdings LLC. Examples of common complaints against Jefferson include trying to collect a debt not owed and improper communication tactics. The following two real-world examples of complaints against Jefferson Capital Systems illustrate these types of alleged violations. Consumer alleges attempts to collect a debt not owed Jefferson Capital System said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! XXXX XXXX
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not recognize this debt nor do I recognize this company.
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern : Under the Fair Debt Collections Practices Act ( " FDCPA '' ), the Fair Credit Reporting Act ( " FCRA '' ) The Consumer Credit Protection Act ( " CCPA '' ), I have the right to request validation of the debt they say i owe. On XX/XX/2020 I disputed and requested validation for a debt of XXXX dollars from Jefferson Capital Systems giving them 30 days to respond.My letter to Jefferson Capital System was sent certified and received by them on XX/XX/2020. As of today XXXX XXXX Jefferson Capital System has not responded, validated, or removed this account from my credit reports with XXXX XXXX, or XXXX in which this account is listed on all 3. This is my formal complaint that I believe the agency has violated my right as a consumer by failing to validate a debt at my request and continuing to report this disputed debt to the all 3 credit bureaus listed above. This is a clear violation of both FDCPA and the FCRA. Jefferson Capital Systems has ignored my request for validation of debt ( proof attached ) and by continuing to report to all 3 credit bureaus is causing damage to my character.I 'm requesting that all future attempts to collect this invalidated debt cease and desist and be completely removed from all 3 credit bureaus XXXX, XXXX, and XXXX.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In 2016 I opened a XXXX Account. XXXX had accidentally opened 2 accounts at the same time. The second account was supposed to be closed and was never activated or used. JEFFERSON CAPITAL SYSTEMS had ( 2 ) collection accounts for the same date range and approximately the same dollar amount. I paid the account that was tied to my phone number. Aftervmultiple disputes JEFFERSON CAPITAL SYSTEMS is still refusing to remove the {$750.00} collection account from my credit report. XXXX also has no record on file for this account
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Jefferson capital system is reporting a debt on my credit report in the amount of {$13000.00}. This debt was reported on my credit starting XX/XX/XXXX. The loan which was originally provided by XXXX XXXX XXXX, was paid off in XXXX. Not only is Jefferson Capital reporting a debt that I do not owe, they have the wrong date of the account which is hurting my credit even more. I was never notified of my right to dispute this before it was reported on my credit. I disputed through transunion and XXXX website in XX/XX/XXXX, but Jefferson capital still has not removed this off of my report.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I XXXX XXXX contacted the original creditor XXXX consumer use XXXX at that time I was informed that thi debt or collection is voided and invalided. this account was sold to Jefferson capital system on XXXX Jefferson fail to provided information to me about this matter this account do not blong to me I have no information about this debt I have provided a mailing address im requesting documents of this account and proff.within 30 days
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A