Date Received: 2019-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Jefferson capital is alleging I owe on a closed fully paid for cell phone account from XXXX. It was closed Several years ago due to repeated roaming charges from XXXX on my credit they report an open account 10mos ago owe {$320.00} then will call and send letters for {$160.00} to pay off the phantom bill I have repeatedly told them to not contact me below is a complaint I wrote Consumer complaints about J.C. conduct This company is known for having ethical issues why are they allowed to continue to operate? Fwd : XXXX pay XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX to consumercomplaints XXXX can not originate this debt insisting I was under contract here is one of the earliest payments I can find going back to XXXX contracts are only 24 mos. Long. -- -- -- -- -- Forwarded message -- -- -- -- --
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.
Company Response:
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
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: There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX/XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX, XXXX and XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX, XXXX and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was already investigated by all 3 credit reporting agencies and deleted
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: Someone else is using my name and information in KY I never lived there and want my info checked out pleade
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
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: The absolute tragedy of XXXX XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. Jefferson Capital / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern : ALL Jefferson AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before Jefferson acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies. Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX XX/XX/XXXX XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX
Company Response:
State: TX
Zip: 79706
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A