Date Received: 2017-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Creditor Jefferson Capital System placed on my credit report a fraudulent report that I opened an account in XXXX of 2017 when I have NEVER opened and account with them. They are abusing their rights as Creditors
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My credit report is showing an account in collections that was opened on XXXX XXXX, 2013. The company name is Jefferson Capital Systems. I have never received any documentation or telephone calls from this company. I submitted a dispute to XXXX and I have yet to receive any documentation regarding the origination of this debt that is in collection.
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I noticed recently that i had a {$1200.00} garnishment withdraw from my bank account. I have never received anything in the mail, from the courts, or any phone calls to indicate this old debt. After contacting the creditor listed through XXXX XXXX, I learned that they issued judgement for a Credit Card account opened in XX/XX/XXXX. Upon asking for further information they provided me with : the original household credit card open date, of XX/XX/XXXX said it was charged off XX/XX/XXXX and was simultaneously sold to XXXX XXXX on that same date. And on XX/XX/XXXX it was then sold to Jefferson Capital. I have asked for information that dates back to the opening of original account. From what I have been informed and also read, it appears that even if this account is mine, the statute of limitations ran out in XX/XX/XXXX. The attorney that I have consulted with is associated with a cost of nearly the cost of the garnishment. So the next most affordable thing instructed to do was to be here, filing a complaint.
Company Response:
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: not my account. company is still reporting even though I 've notified them of such, filed a dispute with CRA and they have not provided proof that this is my account or the amount they say I owe.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I 've noticed a negative account on my credit report that I was unaware of. I, personally, am not responsible for this account and the amount requested to pay is {$410.00}, and as far as the identity theft, that situation has been handled. So how do I go about getting this problem removed from my credit report? What do I need to do other than dispute?
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Was served court papers from " Jefferson Capital Systems , LLC saying I owed them money. I wrote to the company XXXX XXXX , 2017 and asked for verification, the name of original debtor, and amount of original debt. Then on XXXX XXXX , 2017 they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On XXXX XXXX , 2017 they sent me another letter saying I owed " Jefferson Capital System LLC, again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by XXXX XXXX that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
Company Response:
State: MT
Zip: 59715
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I also told them that this was " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017
Company Response:
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A