Date Received: 2019-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems , LLC kept calling and sending threatening letters saying I owe them XXXX, I was so threatened by the caller I gave them my bank information because I didn't want to go to jail or my credit to be messed up like they told me. After reviewing the debt they say I owe afterwards I found out that it was wrong and sent them a certified letter on not collecting on the debt and to tell me how and where they got this bogus amount from. I even asked them to delete it off of my credit report. The problem is they took XXXX out of my bank account and yes I did canceled or stop it with my bank but they withdrew it under the name of XXXX XXXX. I have been calling to get my money back but end up getting hung up on repeatly. I am sending them another certified letter and I also am in the works of suing them to try and get my money back. They have used illegal and awful tactics against me.
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They called me for a year straight last call was XX/XX/19 rep told me they werent gon na leave me alone because its attached to my name and they have a right to Harass me. I told them that account is not mine but theyre trying to force me to make a settlement for something thats not mine. This was removed from my credit report and a year later they put it back. I told them over and over this is not mine.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX of 2016, I have a derogatory mark from XXXX XXXX for {$250.00}. I told them I was going to cancel my service and they said it was fine. After I ended my service, they kept charging me for even more months after I have cancelled my service with them. I contacted them and they said the only thing I could do is just pay it off. I do not want to pay for months I didn't use their service for.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The phone service with XXXX was terminated by me several ( more than four ) years ago. I decided to go with another carrier. I left XXXX on good terms. A few years later I was contacted by a debt collector asking for payment. As we discussed the matter further, it was clear to me that the debt in question was not mine. As the representative shared the address connected to the debt in question, I came to realize the address was not mine ( and never had been mine ). I explained to the debt collector, that they obviously had the wrong person. I thought the matter was over. It was not until I saw my XXXX XXXX account that I noticed that this issue was back. Very frustrating!
Company Response:
State: NM
Zip: 880XX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt claimed by Jefferson Capital System be physically verified and that I receive a copy of any and all signed consumer I have on numerous occasions ask for verification on this account that is showing on my credit report for contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$650.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
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: Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been called several times repeatedly for owing a bill that is old and should have already been deleted from my credit report but theyre constantly reporting it as recent. Ive been told that if I dont handle the matter that they will go to the next step in a threatening manner.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I started this journey at the beginning of the year when I checked my credit and noticed an account from Jefferson Capital account number XXXX for {$580.00}. I originally contacted the credit bureaus to dispute the account due to the account not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listing as its suppose to be reporting 100 % accurately and asked for proof of verification received from Jefferson Capital and did not receive anything but a generic response with no proof. Afterwards I contacted Jefferson Capital directly on XX/XX/2019 via certified mail USPS # XXXX delivered on XX/XX/2019 at XXXX XXXX and asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract and I never received a response and its still reporting on my credit which it shouldn't because no one seems to have the proper documentation and accounting so this should be removed as I am not responsible for this debt. I never received validation of the account nor any notice/statement from them stating they are trying to collect on an alleged debt.
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$2600.00}. I only found this out by being notified through my credit monitoring service two weeks ago that a " new collection was added ''. I have not received any notices or letters regarding this account. The collection has not been on my credit report in years and when I viewed my report, it shows as a new debt as of XX/XX/2019 on all three credit reporting agencies. This is completely false. I have sent a debt validation letter to Jefferson Capital and though it has not been 30 days since their receipt, I feel it necessary to pursue all actions available to me because the act of re-aging an account is illegal and negatively affecting my credit worthiness. I request this be deleted from all major credit reporting agencies immediately.
Company Response:
State: TX
Zip: 767XX
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$3300.00}. They are reporting that this account was opened in 2018 and is not true. I have disputed with all three credit bureaus to only be told the account is " verified ''. I have not received a signed contract nor any verification to support that this information is correct. The practice of re-aging an account is illegal and needs to be deleted from all three credit bureaus immediately. I have sent via certified mail a debt validation letter and have not received response.
Company Response:
State: TX
Zip: 767XX
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A