Date Received: 2017-01-13
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: This information was shared illegally ( Third Party ) without my informed consent.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-10
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2017-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I HAVE BEEN DEALING WITH THIS PROBLEM FOR A FEW YEARS NOW AND THEY CONTINUE TO HURT MY CREDIT
Company Response:
State: AZ
Zip: 90001
Submitted Via: Web
Date Sent: 2017-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-09
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
Company Response:
State: IN
Zip: 46544
Submitted Via: Web
Date Sent: 2017-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-31
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: XXXX keep has been reporting a past due people for the past 3 years. When the 7 year reporting comes up they transfer it to a collection agency so it can remain for another 7 years. This is double reporting, and i do n't think its fair that if XXXX has been reporting the same thing for a view years on my credit report, and they transfer it to a collection agency to reporting again.
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2016-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.
Company Response:
State: KY
Zip: 425XX
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-30
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2016-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-28
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2016-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This collection agency is submitting false errors to my credit report. I do not owe what this agency is fiercely trying to call and mail letters to a debt I do not owe
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2016-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No