Date Received: 2016-08-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: the debt in question is not mine I was XXXX between XX/XX/XXXX to XX/XX/XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2016-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX sent me to collections for a debt I do know owe nor have knowledge of. I 've asked for info from the collection agency and they refuse to tell me anything saying privacy reasons. I can not dispute it without proper information.
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Negative inquiry was added to my credit report by a debt collection company for a debt older 4 years in California. Did not receive notice from this company.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX
Company Response:
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: XXXX has continued reporting XXXX 2005. This was a debt switched to my name before my ex-wife divorced me. XXXX has changed collection agencies to keep this on my record. I 'm not paying it and it 's over 10 yrs old. Take it off. .
Company Response:
State: TX
Zip: 77062
Submitted Via: Web
Date Sent: 2016-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.
Company Response:
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2016-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Purchased item from XXXX XXXX catalog that was defective. Called company and returned item via mail. Received a statement, called and explained that this was taken care of. Never heard from them again. Couple of years later ( 1-2 ) I received a letter from a debt collection agency, the above one, called them once or twice and write letter. Never received response, assumed it was cleared. This should be cleared from my history.
Company Response:
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I had my identity stolen in XX/XX/XXXX 2007. In less than a month 's time the ID thieves in XXXX, ( Im in XXXX ), bought XXXX top line XXXX COMPUTERS @ {$3000.00} each. Also a few other smaller checks for random items, accounts, etc. On about XXXX XXXX, 2007 I finally get a XXXX Bank postcard stating my check for {$3000.00} had bounced and already began the computer 's process of double charging the overdraft fee, then the fee for that, which lead to more overdraft fees. XXXX was of no help with the problem, in fact they were " shady '' about it. I called several times only to be mocked, laughed at, and literally called a liar. Even though copies to every check & transaction I had ever done with them was available anytime for my viewing- they refused me any information, viewing, what the large amount paid for ... NOTHING. This was all witnessed by officers at the XXXX Police Dept as my final call to XXXX about this was in front of them so they could listen. The representative mocking my call and handwriting changes his tune when a Detective took phone from me and politely tore into his unprofessional behavior and that ID theft reports had been filed ; investigations started. So there 's more but I 'll cut to where this strange collection letter comes in. For over a year now I have begun receiving NEW debt collection letters XXXX XXXX XXXX XXXX XXXX XXXX behalf of a Jefferson Capital Systems , for the old, fraudulent, closed and erased from XXXX Bank 's system, debt! They have the amount of {$920.00} as the total, then proceed to coax me in by asking for a mere {$180.00} within 28 days and they 'll forgive the whole thing. BUT, there 's fine print stating that once I do acknowledge them and even offer a payment, not make a payment, but offer- that will put me back in the clear to be sued, and start the debt 's full amount over again like new! I am blown away, first off- the debt was never theirs to forgive, it was a mistake in XXXX Bank 's system, which has been completely erased therefore already forgiven, because obviously they do n't want any records of it to be accessible and do n't want to ever have it brought up- ( possibly in court or elsewhere ). A XXXX branch manager about 7 months ago searched extensively throughout their archives/database and current systems for anything on that former account with them or my name even, turn up nothing at all. Like it never existed even asked me if I was sure I banked with XXXX back then! It 's not on my credit reports, XXXX definitely is n't pursuing this and so bottom line- Who the heck do these shady negotiating debt swindlers think they are?! I 've had it with them! I will not contact them directly, as why I listed above. And I surely wo n't be paying for a debt I did n't even cause, to these people to pocket every bit of it! Which is exactly what they 'd do because why would XXXX want it? I do n't exist to them anymore. And on a side note, I 've read about the FTC already coming down on these XXXX companies for fraudulent acts, especially Jefferson Capital, so I think the FTC needs to know that the XXXX & XXXX games have n't stopped, their just changing up their strategies starting with their debt letters approach on people.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,
Company Response:
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No