Date Received: 2019-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: account does not belong to me, but showed up on my credit reports.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX sent a paid off car loan to Jefferson Capital Systems. Despite previous attempts to resolve this issue, neither party has been able to correct this problem. The false debt has been reported since XX/XX/2018.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan! BOTH are FDCPA violations! Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I called and asked for verification and proof that I was sent notification regarding this alleged debt and they were unwilling or couldnt verify it. I told them it was within my rights and was a FDCPA violation and XXXX said they didnt have to notify me or send me anything.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
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: My complaint is with XXXX XXXX and jefferson capital system a debt collector. # 1 on XX/XX/2019 i like i do several times a month for the past two years logged on to check my credit score. When i checked my score i see these guys jefferson capital systems have a collection on my report from a old XXXX bill that # 2 should have never been on my report since prior to all this XXXX XXXX XXXX bought me out of my contract with XXXX. Since then though do to a lay off / rehire reason my score originally dropped i have hired XXXX XXXX which im not to pleased with these guys timing and efforts either but nonetheless they did have this false information removed off my report for id say a year or little less until XX/XX/2019. So how is it that any of this is possible to begin with then after its removed just how do you think its right to come back to ruin someones credit a year later. I have disputed this and honestly im sick of dealing with all this when i admit i maxed out some cards due to a lay-off because of being holidays and childrens bdays but ive not in no way ran up a XXXX $ fee with these guys for it to be on my report. Thank you
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i have been fighting this charge since XXXX of XXXX on XXXX I sent another letter to the original debt company asking to verify that this is mine. They keep selling to different collection agencies saying failure to pay every month so they can keep this updated on my account ( they are re aging my account every month ) and they are failing to verify this collection. the fact of matter is my last payment last payment to the ORIGINAL creditor was paid XX/XX/XXXX. I was told this is a violation of the law.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been living in my residence for five years..I have explained to XXXX XXXX and Jefferson Capitol system that this is a fraudulent account
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX had a collection account being reported on my credit report. I disputed it and it was removed, after months passed another company is reporting the same account in my report. This information is false and it should be removed from my credit report. I am trying to purchase a home and this situation keeps affecting my chances.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account was originally with XXXX XXXX XXXX # XXXX then it was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX with a balance of XXXX, i disputed in XXXX then it says it was deleted on XX/XX/XXXX but its still showing as a open account I just need this to be deleted from my credit report. Account # XXXX
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have written a letter years ago claiming I know nothing about the XXXX card, when I found out about a credit card debt. I wad advices by the store manager to write a letter to remove the information from my account. 2yrs later, its still reflective. i found the number affiliated to th3 debt collection and was told to write a letter so they could discharge it which was this year XX/XX/2019.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is trying to collect a debt I do not owe. Several other collectors had dropped this debt because its does belong to me. This company buys bogus debts and destroyed peoples credit. I have already advised them, but they still havent removed it from my report.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A