Date Received: 2019-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received a notice in the mail on XX/XX/2019 from Jefferson Capital Systems, LLC for a debt of XXXX. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for XXXX The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for XXXX. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history.Unexpectedly onXX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX requesting XXXX for the balance owed to Jefferson Capital Systems, LLC. Infuriated that Jefferson would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted XXXX XXXX XXXX XXXX and spoke with XXXX. I explained to her the situation and asked her if they could review my call with Jefferson to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with Jefferson and I would receive a call back. The XXXX is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so todayXX/XX/2019 I called XXXX XXXX XXXX XXXX again at XXXX requesting an update and the representatives are telling me they cannot locate an account for me. This debt of XXXX has significantly decreased my credit score and I want it removed! Please help me! I feel helpless.
Company Response:
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I originally had a loan with XXXX XXXX that was ultimately sold to Jefferson Capitol. As the account neared 7 years maturation and about to be eligible to drop off my credit report, Jefferson Capitol re-aged my account and put it on my credit report as being delinquent as of 2017 starting the clock over as to when it would mature and come off my credit report. I emailed and called Jefferson Capitol and only got unfulfilling answers and no response to my emails. The account was previously removed and Jefferson Capitol readded it without proper notification and reached the account which violates the law.
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS,ACCOUNT NUMBERXXXX IS A COLLECTOR FOR ORIGINAL CREDITOR ,XXXX ,THAT IS WRONGFULLY APPEARING ON XXXX XXXX AND XXXX CREDIT BUREAUS.THE PROBLEM IS THAT XXXX PHONES AND SERVICE PROVIDED WERE NOT ADEQUATE AND DID NOT PROVIDE EVEN REMOTELY ADEQUATE SERVICE.MY FAMILY HAD MULTIPLE PHONES THROUGH XXXX..WE USED THEM WHILE HOME WAS XXXX XXXX,OUR BUSINESS WAS AS A VENDOR IN WEEKEND FESTIVALS IN XXXX XXXX,CA.IT MAY BE DIFFERENT NOW ,BUT AT THE TIME THERE EXISTED LESS THAN THE REQUIRED CELL TOWERS TO DELIVER SERVICE IN XXXX XXXX.WE USED THE PHONES TO COMMUNICATE BETWEEN OURSELVES AND CUSTOMERS..INTERFERENCE,DROPPED CALLS,UN-RECEIVED MESSAGES,AND NO CONNECTION AT ALL WERE THE NORM.WE COULD NOT USE THE PHONES AND SERVICE AND HAD TO GO WITH ANOTHER PROVIDER.WE WERE CHARGEDIN VIOLATION OF CALIFORNIA'S IMPLIED WARRANTY LAW AS IF THE PHONES AND SERVICE WERE FUNCTIONAL.
Company Response:
State: CA
Zip: 92284
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: this loan got turned over to a lawyer that bought the debt and the kids were paying on the debt for a couple of years the loan got bought back by the orginal lawyer and they never reached out to the kids and they sent me the information which I forwarded to the kids and they called and the lawyers wanted some ridiclous amount and nothing has come of it .
Company Response:
State: OR
Zip: 97266
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Jefferson Capital Systems bought old XXXX account, opened originally in XX/XX/XXXX.It is since shown as paid off and closed on my credit report report from my XXXX.Jefferson Capital Systems started the date the about was opened as XX/XX/XXXX and shows a balance of $XXXX!I believe this must violate some part of the fair credit act to put such blatant false information on my credit report.
Company Response:
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company Jefferson Capital Systems is reporting that i owe a {$250.00} debt to them. They are reporting that the account debt was opened in XXXX. They are also reporting that I am making late payments every month. The ORIGINAL account was opened with XXXX was opened in XXXX. Will provide documentation for proof upon request. Theyre not only illegally reporting payments that are not being made and not scheduled to be made, i am in no way shape or form in contract to pay them, XXXX illegally sold my debt to them to collect, they are reporting completely false information as far as dates, etc.
Company Response:
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to my credit report on XX/XX/2016 I purchased something from XXXX. Jefferson Capital is now on my report, the collection agency. I have never been to a XXXX. Im guessing this was identity theft. I have disputed this with XXXX through XXXX XXXX and it was denied. Case number XXXX.
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report several months ago and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it multiple times with both the credit bureaus and the company itself and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have one collection from Jefferson Capital Systems for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. Another collection on my account is XXXX XXXX for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.
Company Response:
State: AZ
Zip: 85019
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The debt is past the statute of limitations. The company : Jefferson Capital Systems , LLC XXXX XXXX, MN XXXX Also XXXX XXXX in XXXX : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, IL XXXX Another XXXX XXXX in XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX After the debt was removed from my credit report due to it being past the statute of limitations which completed on XX/XX/2019. They send me a validation letter that is postmarked XX/XX/XXXX, yet the letter is dated XX/XX/2019. First, this letter needs to be sent within the first 5 days, not after the debt was removed from my credit report. Second, they purposely dated the letter XX/XX/2019 in order to try and deny me my full 30 days to dispute or request validation. Within the letter, they indicate they will sue to obtain a judgment on a debt removed from my credit report based on the statute of limitations. They claim they can garnish wages make a report to the credit bureau.
Company Response:
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A