Date Received: 2019-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My neighbor gave me a intent to sue that was found in their yard in XX/XX/XXXX. The neighbor across the street saw someone in a gray XXXX XXXX XXXX leave it one the door. So, Im assuming it blew off and into my neighbors yard ... Leaving a third party knowing My personal business. Anyway, so after talking to my lawyer I decided to go on and settle instead of paying a lawyer. So, I set up three payments ; made the first payment XX/XX/XXXX ( which my XXXX checking would not pay it because they thought it was fraud ) the money was on the account I have proof of that. Anyway I finally got it settled it was paid, the second and the last payment was made XX/XX/XXXX. To pay it in full. I called the law firm collecting the debt and told her ( XXXX XXXX ) that it was paid she said okay it will be three weeks before we send you a settlement letter. That as strange to me I had this same issue about three years ago and they sent me a letter outlining my payments and as soon as it paid off they sent me a letter. Okay that was another dishonest thing she said. They the law firm would send me a letter. I found out when I called 6 weeks later to find out when I would receive my letter ... So, she said you didnt finish paying this I said what I did, she started talking about that first payment I said what after I clear it up with XXXX it clear a few days after.. Also reminded her of our conversation in XXXX re : XXXX messed that up but the payment would be clearing and it did. So, she checked that out and contacted me again saying it still not paid in full because I owe a {$1.00} I said WHAT????? A {$1.00} after I paid over XXXX. She said yes the last payment was XXXX not XXXX I said oh my goodness. I went online and made it immediately and emailed her and sent a copy of the {$1.00} payment and asked again when will I receive the letter showing its paid in full. She said soon, so I waited again and nothing!!! So, I contacted XXXX XXXX again and she said We sent it to the courts to dismiss I said what why did it have to go to the courts if nothing was every filed. She said it up to the courts to dismiss. I said what again I said why is that when you guys are the ones who originated this. So anyway the letter as supposedly sent to the courts so I called the courts and found they had not received anything from them. And said it wasnt a court date for me and to call them and ask them to resend to me ... So, I did that and XXXX told me they resent it and for me Wait for a letter from the courts. That was in XXXX. So I waited and waited and on Thursday, XX/XX/XXXX I went to the mail and received a letter from the courts and was so happy excited that oh I finally received the letter showing it was dismissed. But oh no it was a letter from the courts saying a hearing notice that I will be going to trial for this paid debt. So, I emailed XXXX Last night and told her what was going on and she email me today and said it was emailed the courts this morning XX/XX/XXXX ... So, I sent the courts at their request asking why was I was getting a hearing notice. So they ask me to put it in writing and email it to them. So I did, I called to see if courts got the email from the law firm/debt collector and the only emails they received were the two that I sent and that was about 30 minutes after I sent them ... Again, the email that was supposedly sent by the courts the morning of XX/XX/XXXX was not received yet. Im just not understanding this, I feel harassed and stress above measure. Why hadnt two mailed letters and an email make it to the courts???. But the original filing made it there with no problems. Now that is strange and unusually. The letter the courts need to stop this mess has not made it? Im sick and tired if this. This has caused my XXXX XXXX to exceed where it should be ... I had to spend money to go to the doctor and just to stressed. I did my part after I ran into back circumstances and couldnt pay the original debt. But finally got the money to make a settlement and did just that in the three months allowed.. she told me as long as I had it paid but XX/XX/XXXX. I was good to go ... But its 6 months after the last payment and Im still be threatened and having to stress over going to court on this. Why and what is so hard about this to get me the information that its settled in full? I can and will send all documents but its to many emails to send ... ..
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Monthly credit score has been in steady decline. I own no credit cards with any type of balance. Checked credit records and found a charge {$1000.00} with XXXX XXXX XXXX XXXX Creditors number XXXX XXXX XXXX Original creditor XXXX XXXX Original Account number XXXX Agency Reference Number XXXX Balance {$1000.00} I have never had a account of any kind with XXXX all of the listed information on the original account has nothing to do with me! Please look at my credit record I have nerve not payed a amount that I owe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I was taken to court by the Jefferson Capital System, LLC. The judge ruled in favor of the plaintiff for me to make arrangements to pay off debt. I called on yesterday and spoke with a lady who did not identify herself. I told her the nature of the call and she became rude by calling me a liar when I explained my income of SSI. She continued to ask why I did not pay the bill in 2017 and I explained that my income varies from month to month. I became upset and got a little loud on the phone and the representative from Jefferson Capital System told me that I was not going to get loud in her ear because she had to work until XXXX and she was not going to have a headache and then she hung the phone up on me.
Company Response:
State: AL
Zip: 35611
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contact all 3 credit bureaus and reference to the XXXX bill that was paid in full on XXXXplease remove immediately from all 3 credit bureaus and I will attach documentation proving debt has been paid in full
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I talk to them told them this is not my debt and could they please remove it.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: turned over to my credit report to XXXX XXXX 2000 judgement called Jefferson capital systems and its not my account
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account has already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. # 1. XXXX XXXX XXXX # XXXX
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Jefferson Capital Systems is showing that I opened an account with them. I have never had any dealings with company, no knowledge of the account with them and never authorized any charges or opened an account with them. When I disputed this with The credit bureau this company changed dates to look like I opened an account with them in XX/XX/2019. They keep updating their dates to make it seem like a current account to negatively impact my credit. I dont know anything about this company. Please help.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit report, and several dispute letters, this account remained on my credit report. I then contacted the collection agency directly, bypassing the credit bureaus, for the debt validation and additional information needed to validate this debt, they failed to do so.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
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: XXXX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT XXXX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. JEFFERSON CAPITAL NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. XXXX IS IGNORING MY REQUEST, JEFFERSON STATED THEY ARE NOT REPORTING BUT XXXX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....
Company Response:
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A