Date Received: 2019-07-31
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company not once sent me a statement but called and harassed me stating they were trying to serve me papers with a company called XXXX XXXX. They have left me Voice mails wishing me luck. Before my last name was XXXX and they leave all kinds of messages in XXXX harassing me about suing me.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I tried so many time to contact XXXX regarding this billing XXXX/XXXX. I always took a one hour lunch and spent it days on end on hold with XXXX. I could never get anyone to come on line. The only response is automations encouraging you to wait. My simple question was how did my billing get to be so expensive, and I was suspecting there was some form of fraud. After I had finished my term for the job I decided to wait all day to talk to someone no matter what or how long it took. I was told there were movie rentals which I did not give approval for, but still no one could have a bill that large from movies. I ask the representative to send me the billings for the past months so that I could see detailed information. So finally I did get a billing with only dates and dollar amount with no explanations as to what the charges were for. I was discouraged and sad that I had to give up XXXX. Within the next few months I began checking my credit reports only to find that XXXX had written off the billing as a Charge Off. I was relieved and truthfully at my age I would probably be dead before the bill was paid. So it was written off and I believed that to be true because it was on the credit reports. I do understand collections and know that some old billings do get sold for maybe XXXX cents and a new collector like this one is trying to collect. If it is written off then I am not obligated. However if I should every win the lottery then I will pay anything I owe off in a heartbeat. I am not happy about this interruption and will be going through my old credit reports to look for the Charge Off. I think someone needs to do their homework.
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I do not know what happened but I don't recognize Jefferson capital systems. I would like information to be removed immediately.
Company Response:
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: My business phone was not working properly with XXXX XXXX. I was losing customers due to poor phone service. Contacted customer service and was told No Problems. Take phone to our store and they will replace at no charge. Store refused to replace as promised. I had no choice to find alternate phone service. XXXX should be paying me for the Thousands of dollars of lost business. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had an account show opened XX/XX/2019. Evidently this is an old XXXX XXXX account. The amount was {$2200.00}. This account was 10 years old and had already dropped off of my credit reports, then reopened and pulled my score down causing me to lose the pre-approved status on buying a home as well as {$1000.00} invested in septic permits etc. Then the account fell off again because, as I said, it was past statute of limitations and illegal to continue reporting. But why was I not already protected from this unethical approach? Then, XX/XX/2019 it was updated and bought by Jefferson Capital Systems. The balance was updated on XX/XX/2019. Now my score is being pulled down again after having worked to recover and about to pursue home buying again. I dont understand what gives either company the right to try sneaking around the law that was put there to protect consumers. This seems to violate the Fair Credit Reporting, it is definitely devious and unethical, Im pretty sure its illegal, and For these companies to join together in unfair practices against any consumer to manipulate them for money is unprofessional. Why are they not subjected or feel like the law doesnt apply to them? I want justice. I can not continue to be punished by greedy collectors and spiteful businesses.
Company Response:
State: KY
Zip: 41018
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep getting debt collections calls and texts for someone who had my cell phone # at least 5 years ago or longer. I do not know who this person is and this harassment is endless! Obviously he got a different # so he could avoid these calls. When a new cell is purchased we are not given a choice on the cell # we receive.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a charged off account with XXXX from XX/XX/XXXX, it was charged off as closed. Jefferson capital reopened the account as owed in XX/XX/XXXX, this account would be off my credit and they have opened an incorrect account that was closed. This is not an accurate account.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. Dispute Reason Accuracy : The creditor agreed to remove charges and/or fees
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am lodging a formal complaint against Jefferson capital system. This debt collector has reported derogatory info on my three credit reports for a debt I have no knowledge of for the amount of {$660.00} from a XXXX account. I have lived in XXXX XXXX, NJ my whole life and never had service with XXXX. I never received anything in the mail from this company or phone calls to let me know about this debt. Which is a violation of the FDcpa. Debt collectors must send me a notice by mail which gives me 30 days to dispute validity of account. I am in the process of purchasing my very first home for my family and I and this account is holding me back. I am requesting immediate deletion of this errounous account from my three credit reports so I can purchase my first home. I will be filing XXXX complaints and attorney general complaints if this account isn't deleted. Thank you for your time!
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed my credit report. It shows several versions of a XXXX XXXX with several WV addresses as well as several accounts of businesses I have never heard of or contacted.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A