Date Received: 2017-03-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Someone Stole My Identity And Opened started A Debt
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The XXXX sold my account. In court filings with the XXXX County Superior Court, the listing for the Debt is XXXX The Debt Collection Agency failed to list themselves as the Plaintiff in the Service Notification. The Agency that if behind the lawsuit has a contact with XXXX. Please investigate this issue for me because they are set to garnish my wages after the Judge signs the Default. The Warrant said XXXX but the court document does not list any XXXX, it list XXXX. The XXXX County Sheriff Delivered the Warrant to me. Also, I am facing a decision by a judge without seeing that Jefferson Capital Systems , LLC formally served me with a warrant.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I never had a XXXX account of my own. My cousin had opened the account in my name using my social security number that he stole from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Whom May Concern, My name is XXXX XXXX XXXX I had a XXXX account when I turned XXXX years old back in XX/XX/XXXX I open the account in XXXX. My phone broke XXXX XXXX refused to fix it or help me so I decided to break the contract and pay the early termination fees in XX/XX/XXXX. The guy in the XXXX XXXX XXXX store said I was good to go. This was not the case because I received my first collection notice from XXXX XX/XX/XXXX and I been disputing the collections activity from XXXX for years and I 'm tired of them hurting my credit for they claim I still have a {$980.00} balance which I feel is wrong. The reason why I 'm disputing this debt because XXXX XXXX sold the account to Jefferson Capital Systems back in XX/XX/XXXX I never received anything from this " debt buyer ''. I also contacted an attorney to see about statue of limitations of debt and she shared with me the California law says, '' California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. " This account is more than 4 years past due and also XXXX XXXX reports on the credit report that is a new account which is not they have lied to the credit reports including XXXX, XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88001
Submitted Via: Web
Date Sent: 2017-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. 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. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and 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: MI
Zip: 49001
Submitted Via: Web
Date Sent: 2017-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson Capital Systems re-opened my account after it was charged off. There is now a missed payment showing up on my credit report ( false/ misleading ).
Company Response:
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I 've checked my credit report and Jefferson capital have a debt that I have no knowledge of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2017-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-13
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Jefferson Capital appeared on my credit report last year. I had no notice of information from them to dispute it. XX/XX/XXXX I noticed an inquiry from XXXX on my credit report ... XXXX is a collection arm of Jefferson Capital. XX/XX/XXXX I received a settlement offer from XXXX XXXX. Still, I could not dispute the debt with Jefferson Capital. This makes twice this debt has appeared on my credit report along with the original creditor. On XX/XX/XXXX I received yet another letter from XXXX XXXX about this same debt. I want Jefferson Capital to remove this debt from my credit report and contact me directly if at all
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-09
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes