Date Received: 2017-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital System a ppeared on my credit report after the original creditor XXXX XXXX deleted the account after several letters of dispute. I have never owned a XXXX XXXX account. I believe after the original creditor deleted the account from my credit report the account was sold to Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I incurred a charge off account with XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed in XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently. I have filed a complaint with XXXX , and nothing has been done.
Company Response:
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since XXXX of 2016. 2 ) I have never opened an account with XXXX . These charges are fraudulent
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I pulled my credit report and noticed that Jefferson Capital Systems are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Te xas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX accounts dated for XXXX , amounts are {$650.00} & {$450.00}. -According to a statement dated for XXXX , mentions that the the original creditor is : XXXX XXXX , current creditor is : Jefferson Capital Systems LLC and the company who mailed statement is : XXXX XXXX XXXX XXXX XXXX XXXX -Disputed both debts with XXXX on several occasions due to a storm in Alabama that caused overages on cellular devices under both accounts ; also due to power outages.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received attorney advertisements regarding a lawsuit filed against me on X/XX/2017 by Jefferson Capital Systems , LLC for {$250.00}. This is the first notification I received regarding the debt. I contacted Jefferson Capital t o find out who they obtained the debt from and found out that this debt is from a closed bank account from XXXX with XXXX XXXX XXXX . I have n't had any contact or made any payments to XXXX XXXX since closing the account. The statue of limitations to collect a debt in the state of Texas is 4 years after the last payment was received. I 've contacted an attorney that will charge me {$350.00} an hour to fight this frivolous lawsuit. If I lose, I will have to pay Jefferson Capital 's a ttorney 's fees as well. I plan on fighting this in every way I possibly can.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson capital has a n item on my credit report that I just discovered today for XXXX XXXX . I have never had XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either Jefferson n or XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother XXXX XXXX due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother XXXX XXXX due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: A company called " Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A