Date Received: 2017-03-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: THIS COMPANY IS TRYING TO COLLECT A DEBT I DO NOT OWE. IN XXXX I DID NOT HAVE XXXX, I DID NOT PAY MY OWN BILLS BECAUSE THEY ARE PAID THROUGH COMPANY WHERE I WORK. I DONT EVEN HAVE THE PHONE UNDER MY NAME. ITS IMPOSSIBLE TO BE MINE. THEY HAVE FRAUDULENTLY PUT IT ON MY CREDIT REPORT, JEFFERSON CAPITAL SYSTEMS {$XXXX} {$540.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. Open Account # XXXX {$540.00} Balance XXXX Original Creditor {$540.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. Responsibility Collection account Remarks Note
Company Response:
State: CA
Zip: 91411
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Jefferson capital is not a licensed debt collector in the state of Massachusetts
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid my XXXX bill {$780.00} on XXXX, 2017.
Company Response:
State: CA
Zip: 93280
Submitted Via: Web
Date Sent: 2017-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX, RI XXXX JEFFCAPSYS XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2800.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2017-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2017 Jefferson Capital System cashed a check in the amount of {$10.00} as a result of an agreement to update their account to the original creditor as paid in full and remove their account from the three credit bureaus. This was not done per the agreement and the bureaus are still reporting a balance of {$240.00}.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX claimed they sent service to my former address and there was no service to said address in the area at that time. I never received any products or services from XXXX, what so ever!!! Now a collection agency is blocking my credit with this unauthorized and incorrect charges of {$2600.00}, which I have been denying for several years to no avail. NOBODY RESPONDS. the charges are still on my credit reports and must be removed by Jefferson Capital Systems collection # XXXX
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received the attached letter dated XXXX XXXX, 2017 from Jefferson Capital Systems , LLC advising I owe XXXX {$780.00} and they will accept {$310.00}. I have no idea from this debt arises and this is a third-party vendor attempting to collect a debt. I believe it is invalid due to the Fair Consumer Protection Act and the Federal Trade Commissions ordinances and laws to protect consumes from such predators.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.
Company Response:
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. I am a victim of identity theft and noticed a collection from Jefferson Capital. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Jefferson Capital in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77357
Submitted Via: Web
Date Sent: 2017-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-02
Issue: Incorrect information on credit report
Subissue: Information is not mine
Consumer Complaint: XXXX XXXX- XXXX {$270.00} Jefferson Capital Systems- XXXX XXXX {$620.00} XXXX. Preserve at XXXX XXXX {$5100.00} Those Account does not belong to me has to be removed from my. XXXX CREDIT REPORT. Someone used my identity
Company Response:
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No