Date Received: 2019-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson capital keeps calling I ask them to send me something bearing my signature and to cease all calls until I receive something with my signature
Company Response:
State: IA
Zip: 50613
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Jefferson Capital provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX service.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I have reached out these companies I was XXXX XXXX alot in my life and couldn't possibly have these accounts Please I have been through alot already and wanting to start a new account and need this off my credit please
Company Response:
State: TX
Zip: 79118
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have XXXX bill for XXXX I was contacted by XXXX-Jefferson Capital and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. I made a payment on XX/XX/2019 and XX/XX/2019. I just got a notice from XXXX that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. I upheld my part of this arrangement. I am making the payments. Jefferson and XXXX are not upholding their part of the agreement.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection letter via mail from Jefferson Capital Systems , LLC on XX/XX/2019 claiming that I owe {$400.00} from XXXX XXXX XXXX. I responded to Jefferson Capital Systems , LLC on XX/XX/2019 disputing the debt and requesting proper validation, such as the original instrument of indebtedness. Tracking via USPS certified mail confirms that Jefferson Capital Systems , LLC received my letter requesting validation on XX/XX/2019 at XXXX XXXX, but Jefferson Capital Systems , LLC did not respond. I sent Jefferson Capital Systems , LLC a follow up letter on XX/XX/2019 with USPS certified mail tracking in regards to not responding to my validation letter, as well as an FDCPA reminder for false reporting. Jefferson Capital Systems , LLC failed to respond. I sent another letter to Jefferson Capital Systems , LLC on XX/XX/2019 in regards to not responding nor sending me proper validation of this debt. Furthermore, I am requesting that ALL information pertaining to Jefferson Capital Systems , LLC and XXXX XXXX XXXXXXXX be removed from ALL credit reporting agencies. I have maintained all proper records and documentation, which has been included in this complaint.
Company Response:
State: OR
Zip: 97005
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX They have no email. This debt says it is from XXXX XXXX which was the last phone carrier I had when I lived in the USA ( Hawaii ) ... but I have not lived in USA since XX/XX/XXXX. I called XXXX to cut off my service when I moved to XXXX ( XX/XX/XXXX ) but apparently they did not close out the account as they should have. I did not find out about the error until I had a work trip back to USA in XXXX. I have not been in the USA even for a holiday since that trip in XXXX. I have plenty of documentation that can prove my move to XXXX. Hawaii has a 6 year statute of limitations on debt so that has expired, but Jefferson Capital seems to show a date of XXXX. And I still live overseas ( XXXX now, still with military ) so it makes this difficult to dispute. This debt has not been validated to me in any way. Given my moves, it is probably related to problems with mail ... but this is ridiculous. XXXX can't charge someone out of the country that can't even know they are charging. I called to cancel. My cellphone wasn't even on once I flew to XXXX ( different SIM system ). And Capital can't use a date from 3 years AFTER I moved outside the USA. I've disputed the debt but not answer from anyone. Jefferson Capital has never sent me any paperwork validating the debt.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.
Company Response:
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: JEFFERSON CAPITAL SOLD ZOMBIE DEBTS TO XXXX AND VIOLATED THE DODD FRANK ACT.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX, XXXX XXXX I have contacted both companies and told them these are not my accounts I never opened them, never received goods for the collections they are reporting, I have asked for proof numerous times. I have disputed this for a few Years. Someone opened these accounts and received goods and Im being penalized for it. XXXX says I opened the account in XX/XX/2017 it shows an address of a P.O. Box in XXXX Louisiana, I was living in XXXX XXXX la with my ex husband bc he worked for XXXX in XXXX XXXX. XXXX XXXX I have no Idea where that came from bc I never opened it I have disputed this through XXXX XXXX, XXXX, and XXXX and nothing. I can print copies of all disputes. The amounts change with every dispute so it says XXXX XXXX , XXXX , now today XXXX . XXXX XXXX says XXXX $ past due XXXX $ credit limit both companies say account confirmed and bump the dates of opening the accounts up and then the dates to fall off are now increased by 2 more years. I dont know what else to do they wont send proof I opened nor who opened it. They keep transferring companies and just keep reporting bad marks on my credit report. Its not fair bc it isnt mine. I work so hard trying to build my credit and this is tearing it down.
Company Response:
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A