Date Received: 2019-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2013 I closed my account with XXXX and returned the phone I had leased through them. I was told that there would be no further billings from them. Recently while applying for a home loan I discovered there was a {$2000.00} collection taken out against me and have been unable to contact a representative who was able to explain where this debt came from. I have also tried to dispute this account now held by Jefferson Capital with the credit bureaus. I do not believe this is a justifiable debt.
Company Response:
State: WA
Zip: 98445
Submitted Via: Web
Date Sent: 2019-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection was incorrectly sent to Jefferson Capital Systems from XXXX after XXXX had agreed to nullify my contract after I moved to a location where XXXX did not provide service. Jefferson Capital aggressively and repeatedly contacted me asking me to pay this debt when I explained to them that it was not valid ( according to XXXX 's own contract ). The last time I spoke with Jefferson Capital, I offered a resolution which they refused. Now they are reporting this account to the credit agencies and using it as leverage against me. I am very disturbed by their lack of reason in this matter and now it is unjustly affecting me.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collector is stating that this account was open in XXXX. I have been with my current account since XXXX.
Company Response:
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems is a debt collection agency. They do not have the right to report or collect a debt from me. I do not owe this company any money. They have reported on my credit report I owe them money. I have repeatedly asked them and XXXX XXXX/XXXX to delete from my credit report as it is meets FCRA requirements. They will not remove from my credit report.
Company Response:
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital sent me a bill saying I owed them money on a old XXXX acct 12 years old to be exact! They are redating this account which I have been told is illegal in the State of NY and plus the fact the original acct is over 12 years old and in the State of NY its 6 years. This company is ruining my credit on all major credit reporting agencies This is false dating and is illegal - Please help
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received at my physical address some advertising mailers from some attorneys who represent consumers who have a lawsuit filed against them by a creditor. The case number was on the mailer and I contacted the XXXX XXXX Court and they told me all they had was the summons, complaint filed by the entities attorney, etc, but no documentation. I have no idea who this Jefferson Capital Systems , LLC is and when I looked them up online, I learned they are some kind of debt collector. I tried contacting the number on the website and all I get is an IVR prompting me to enter an account number. As I have no idea who these people are and can't seem to get into contact with them, I ask that the lawsuit would be dropped. I am not claiming a debt I don't know of.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Several collections were added to my credit report that had been removed previously.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had an existing phone bill on my credit report for about 3 years and the claim was legitimate, until I paid the debt on XX/XX/2018. I contacted my bank and asked how I could better my credit score, and they informed me I could pay off old debts. They provided me with all the phone numbers of the companies I could contact. I paid {$74.00} on XX/XX/2018 to XXXX XXXX and I have bank statements that verify my claim. I have provided my documentation to XXXX and they will not display this debt as paid. I do not dispute that this debt once existed, but it was paid in full 15 months ago.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX reported {$520.00} as unpaid to my credit which was incorrect, I disputed it and it was removed from my report. Then it was sold to another Jefferson Capital System bought the account and with no notice or a chance to dispute, they just reported it to my account and this has impacted my credit score and ability to get a job,
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Reporting inaccurate information to all credit reporting companies. Never made contact by mail nor a phone call which is in Violation of the FCRA, Violation of the FDCPA ; and Defamation of Character. Original account holder XXXX XXXX, amount {$1000.00} open date XX/XX/2019.
Company Response:
State: GA
Zip: 31520
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A