Date Received: 2019-11-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2019 Jefferson Capital Systems levied my bank account for {$6000.00}. There was no payment arrangement accepted. I offered to pay on a debt that was very old and beyond the statute of limitations in my state of Ohio. The debt was clearly time barred and yet the company was rude over the phone, mean when I asked questions about the debt and unwilling to work with me on payment arrangements. The company now is not picking up the phone when I call and the attorney XXXX XXXX is not returning my calls to discuss the matter. This company is not abiding by the law and needs to be stopped much like XXXX XXXX had to be years ago.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2019-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in XXXX XXXX one of the 3 major Credit Reporting agencies leaked the data of 143 million Americans, including myself. The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security Number, as well as my Drivers Licenses number ) As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnished and my overall credit score destroyed. This negligent on XXXX part, will leave my personal information permanently available for access at any time. My name, date of birth and social security number are never changing ; therefore, I am at risk of identity theft at any time. Im a very private person therefore knowing that my personal information is in the hands of The XXXX XXXX Hacker I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress. Credit reporting laws ensure that your organization report only 100 % accurate information, due to the XXXX XXXX Security Breach your company is in direct violation of the Fair Credit Reporting Act. XXXX was negligent in allowing my personal data to be breached, I am demanding the incorrect information reported as a result of this breach be removed upon receiving this letter. If you do not immediately remove this inaccurate information from my credit file, my lawyers in filing suit against your company in the State of Alabama Circuit Clerk of XXXX County on XX/XX/XXXX at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. As a result of the XXXX breach, the following accounts have been listed on my credit profile and should be removed as soon as possible. 1.XXXX XXXX {$2400.00} 2.XXXX XXXX {$13000.00} 3.XXXX XXXX {$1200.00} 4.XXXX XXXX XXXX {$280.00} 5.XXXX XXXX {$2000.00} 6.XXXX XXXX {$260.00} 7.XXXX XXXX {$260.00} 8.XXXX XXXX {$130.00} 9.XXXX XXXX {$2700.00} 10.XXXX XXXX {$300.00}
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed with the company and mailed them several letters ... never received anything back. Now there's a lawsuit against me. How if I didn't get a right to cure? That's against federal debt collection practices!! I've contacted attorney general XXXX XXXX
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems {$1000.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person, as I am not able to acquire new credit based on these false invalidated claims. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued and the debt is on my credit report and negatively affecting my credit. The company is Jefferson Capital Systems Amount : XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Company Response:
State: WI
Zip: 53405
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS is a collection agency for XXXX. XXXX claimed I owed them XXXX for a phone I never received. However i found out they delivered the phone to the wrong address. Yet they still have this on my credit report. I have asked them multiple times to remove this. Yet they still refuse and continues impact my credit score. This is wrong and I want this company to remove all information and derogatory penalties they have placed on my report.
Company Response:
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company attempting to collect a debt not owed to them I have no legal binding contract or accounts with said company I have no idea who this company is. I have never filled for anything with this company
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a bad debt show up on my credit report for {$2500.00} from a company 'Jefferson Capital Systems , LLC '. I did not recognize this company or recall owing a debt for this amount. I tried calling the company at the number listed on my credit report in XXXX of this year. I spoke with a representative in another country who was asking for my social security number. They told me that they bought the debt from a wireless cell phone provider. I refused to give them my social security number and asked to speak with a manager or someone that I could better communicate with due to the language barrier. The representative hung up on me. I do not owe this company money and I am unable to get this matter resolved or removed from my credit report. I am also getting letters from other third party company 's stating they own this same wireless cellular debt with different amounts due.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A