Date Received: 2017-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I 'd paid my debts on XXXX XXXX , XXXX and it 's yet to reflect that on my credit report. After calli ng JeffCapSys as recent as last Thursday ( I was initially told they report on the third Thursday ) which they now say that the company reports to credit bureaus on the third Friday! I 'm sick of it! Fix it!
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX or XXXX ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: My ex husband opened an account up in my name and charged it up prior to moving out when our divorce was finalized. I am not responsible for this debt at all. I have been fighting with this for years now, and I want it gone and off my credit report now.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account was paid as agreed.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I do not owe Jefferson capital I never made any arrangements with this 3rd party and needs to be removed from my credit report
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Jefferson Capital Systems , Inc.a collection agency has reported to XXXX and XXXX credit bureau 's of an alleged debt to a cell phone carrier named XXXX . I contacted XXXX and requested that they send me a detailed report of the alleged services they provided me with the dollar amount they were claiming. I was advised that those records were no longer available due to the age of the of the account. I have requested in writing from Jefferson Capital Systems to provide documented proof of this alleged debt with no response from them.
Company Response:
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this. I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The debt the creditor is trying to collect is out dated
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Contract was cancelled due to the original creditor selling this debt to Jefferson Capital Systems , LLC. I have no contract or no legally binding documents with my signature agreeing to this debt with Jefferson Capital Systems , LLC.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No