Date Received: 2019-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not authorize this debt nor does it belong to me. Please remove it from my credit report.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX put an item on back on my credit after taking it off three years ago. Back in XX/XX/2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back??? I never receive an letter from collection agency
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX is claiming I owed them and sold the debt to a collector who has refused to respond to certified mail regarding this debt. I do not owe XXXX any money, I was out of contract when I cancelled my plan with them in XXXX, I believe XXXX or XXXX, I would have to check my records further to confirm the year.
Company Response:
State: MN
Zip: 55419
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson Capital Systems knowingly lied to the credit bureau about re-aging a collection adding three years to what I still do not now is a valid debt. I submitted a dispute via XXXX and Jefferson lied and said it met FCRA rules considering I haven't had the account in 5 years -- ans had a current account with XXXX until I switched providers last month can't be true.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, XXXX, that is not mine. XXXX takes it off and it re-reports. This XXXX account has been sold and re-reported three times in the past 14 months. My social and name is not associated with this account and the address they use to report it is not mine either.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had no idea of this company JEFFERSON CAPITAL SYSTEMS has been placed on my credit, this don't belong to me disputed and they still reporting, do not recognize t
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Just received a text from a 3rd party stating they received a call from Jefferson Capital asking for me and that Jefferson capital provided the 3rd party my name and last 4 of my SSN. I have not received any mail / communication from Jefferson Capital this is the first time I am hearing of this. I called the number the 3rd party gave me and the gentleman stated they called that number looking for me and thought it was me and that they are sorry! Then started are you going to make a payment. I advised that I am filing a complaint because they have not notified me of the debt, they have not given me the opportunity to request verification and that they have violated my privacy by providing A 3rd party private and confidential information about me.
Company Response:
State: VA
Zip: 22556
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
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: Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this? Also, I dont see any correct dates for this account on my report. I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.
Company Response:
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The original debt to XXXX XXXX ( the creditor ) was charged off many years ago and has long since exceeded the statute of limitations established in the state of Florida where I resided when the delinquency was incurred. Jefferson Capital Systems, XXXX XXXX XXXX , XXXX. XXXX, MN XXXX, illegally re-aged the debt in XX/XX/XXXX, effectively restarting the clock, claiming that it now expires on XX/XX/XXXX. I took no actions which would legally allow Jefferson Capital Systems to take this action. Jefferson Capital Systems continues to report negative information to the 3 credit reporting bureaus which have inhibited my ability to receive favorable terms on a mortgage and two car loans.
Company Response:
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A