Date Received: 2019-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019, I received a call from Jefferson Capital Systems LLC, in an attempt to collect a debt of approximately {$1100.00} that was owed to XXXX XXXX. However, I do not have any consumer debt nor have I ever had an account with XXXX. Therefore, I immediately suspected that this attempt to collect money was fraud. My suspicion was confirmed when I decided to research Jefferson Capital and one of the first results that came up from my XXXX search was " Jefferson Capital XXXX Fraud ''. Please take the appropriate action against this company because while I am capable of determining what is fraudulent, other people are not. Thanks for your timely attention to this matter.
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company XXXX XXXX XXXX, is trying to collect a debt of {$310.00}, and reporting this debt to Consumer Credit Agencies. They are reporting that this debt is from " XXXX XXXX XXXX '' and that it is 2 Years, and 10 months, old. I have never had a contract, written or verbal, with the XXXX XXXX, and have not received any information from them or the mentioned collector to validate this debt.
Company Response:
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I purchased a car in XXXX through XXXX XXXX XXXX and it was voluntarily repossessed due to layoff on my job. XXXX XXXX placed it on my credit report which affected my FICO score. Jefferson Capital purchased this account from XXXX XXXX and has placed it back on my credit reports as if I signed an agreement with them as of XX/XX/XXXX for a loan of {$20000.00}
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection company is trying to collect a debt that is not mine and also has put negative marks on all three of my credit reports.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: InXX/XX/XXXX, I applied for a XXXX account and I didn't know about the predatory interest rate that came with the credit account. I became the only working member in the household of XXXX in XX/XX/XXXX due to my husband becoming ill and could not afford the payments. The account was late for 3 months then sent to collections/charged off. On my credit report XXXX has 3 different reporting, consisting of account # XXXX, # XXXX and JeffCapsys XXXX, which is collection agency. I agreed to settle the account with them for {$600.00} and they sent a letter for paid in full. They then listed the balance ( {$730.00} ) of the account on my credit report instead XXXX the account as promised. The reporting of when charged is changed twice and then listed as this year instead of XX/XX/XXXX. Please help me to resolve this issue with XXXX XXXX.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There are 2 Collection on my credit report. Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX XXXX I settled with Jefferson Capital on XX/XX/19 I sent a copy to to XXXX XXXX and to XX/XX/XXXX Showing it was paid but its still on my credit report and it shouldnt be
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$1500.00} Open balance XXXX XXXX XXXX Original creditor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dispute item. Doesn't belong to me. Please remove.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account is showing as opened in XX/XX/2016. I have not had an account with the original creditor for over 10 years, should no longer be on my credit report. Amount owed is inaccurate, have never had such a balance with original creditor.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Jefferson Capital System is attempting to collect a XXXX XXXX debt that was discharged in 2006 bankruptcy.
Company Response:
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX is showing that I owe a balance of {$1900.00} which is incorrect. This balance is not valid and there should be a XXXX balance on this account. There is no possible way this balance is correct or owed to XXXX due to I switched carriers and bills were paid.
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A