Date Received: 2017-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??
Company Response:
State: SC
Zip: 29646
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX/XXXX/17 A female operator contacted me from XXXX XXXX claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On or about XXXX, 2015 Jefferson System Capital and XXXX are both collecting for the dame debt. I do not owe what they are claiming and I have requested information on numerous occasions and have never been provided with supporting information for the debt.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. It offered " convenient '' ways to pay various amounts via credit card or check. I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. I refused and suggested to the young man that he seek honorable employment. What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is attempting to collect a debt for XXXX. This debt is not mine and being reported as a derogatory mark on my credit report. XXXX is currently still sending me catalogs stating I have been approved for credit. I do n't understand why they would do this if they say I owe them money.
Company Response:
State: NM
Zip: 88007
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from them saying that this account is removed for all three credit Bureaus
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted XXXX XXXX XXXX and they said they were sold the fraudulent account from XXXX in XXXX. I have n't had XXXX at all and the accounts they are speaking about were originally removed years ago due to ID theft with my social security #. When I got on the phone with them they tried to verify my SS # and it did not come up in their systems. They pulled me up by name but the social security number is n't mine. I called them at XXXX at XXXX and spoke to XXXX first and she transferred me to XXXX. XXXX was supposedly working in their fraud dept and helps people who are affected by ID theft. She said she was going to dispute the transactions but I still may need to pay them if they do n't come off. She said she could not give me any confirmation for the disputes. No letters, No numbers, or anything else. She said if the dispute goes through ill see it on my credit report. Basically it did n't sound like they really wanted to help me. They do n't have my correct personal information at all. This debt is not mine.
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.
Company Response:
State: AR
Zip: 72143
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. And how can I owe on an account that I never opened in XXXX. And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. Please can this be resolved? I would greatly appreciate it. Thanks.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A