Date Received: 2016-07-29
Issue: Incorrect information on credit report
Subissue: Account status
Consumer Complaint: I have called the company Jefferson Capital Systems and when I spoke to them on XXXX/XXXX/XXXX I spoke to XXXX women. I asked the first woman if the reporting could be deleted from my credit report and she advised me that it is the policy of Jefferson Capital Systems LLC to not delete their reporting for any consumer. I asked to speak to someone more senior and the representative told me she is XXXX. I was transferred to a second lady, whom was identified as a supervisor, and I asked if they could remove their reporting due to extenuating circumstances. The supervisor even specified that a " homeless mother of XXXX '' could not have the reporting from this company deleted on her report. I consider their reporting to be harmful to me. It is difficult to get a representative from this company. Often when I call, I will receive an automatic message after holding saying, " Sorry, at this time we can not accept your call. Please try again later. '' This company did not offer or allow me to dispute their reporting and denied my requests to delete their reporting. I paid an outstanding bill XX/XX/XXXX to Jefferson Capital Systems LLC to pay a debt being collected for the original owner of the debt XXXX XXXX from XX/XX/XXXX. The matter is closed and was reported paid to the credit bureaus.
Company Response:
State: VA
Zip: 223XX
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: 2016-07-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2016-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This is a XXXX action which the sent to jefferson capital i have literally been asking for verifaction of this bill i have never seen a bill i went to XXXX in XXXX az with id and was told the would not verify.i cant get them to send me nothing on this
Company Response:
State: AZ
Zip: 86314
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: 2016-07-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.
Company Response:
State: PA
Zip: 15642
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-25
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.
Company Response:
State: AR
Zip: 72116
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Consumer XXXX was a free service, why are they reporting me as a Collection account. They never worked no matter where I was. I want it removed from my reports immediately.
Company Response:
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX/XXXX/XXXX I made contact with Jefferson Capital LLC located at XXXX, MN XXXX regarding a collections account that they are reporting to my credit report. I spoke with a representative named XXXX with ID # of XXXX, after explaining that the account they are attempting to collect on was opened in XXXX and closed in XXXX ( Jefferson Capital LLC is reporting the account was opened in XXXX ) I questioned why it shows it was opened in XXXX. XXXX informed me that XXXX is when they recieved the file and could report that date legally. I then asked if they report the file being opened in XXXX that would mean it would stay on my credit report until XXXX instead of XXXX ( if showed reporting from XXXX ). She then told me that I was correct and it will continue to show as a new account from XXXX then would remain until XXXX. When I advice her that I think that is illegal she told me it can be done because that is when they received the account. If this was the case and a new company bought the debt from Jefferson Capital LLC and placed a new open date, the debt would never be removed from my credit report.
Company Response:
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2016-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-22
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: For two years I checked my credit report and saw XXXX XXXX XXXX collections reported by Jefferson Capital Systems LLC on my report. XXXX for {$200.00} and the other XXXX for {$500.00}. I contacted Jefferson Capital on XXXX XXXX, 2016, and they referred me to XXXX XXXX XXXX to settle the debts. I paid {$100.00} using my debit card over the phone, and it was debited on XXXX XXXX, 2016. I requested to settle the {$500.00} account as well, the agent told me that there was no other accounts in collection. I contacted Jefferson Capital again, the agent I spoke to also told me that there was no other accounts in their system when she searched using my social security number. I went to the XXXX website and disputed the charge. Jefferson Cap. rejected my dispute and confirmed that my debt was legit. I called them again, and in some miraculous ways they found the account. On XXXX XXXX, 2016 I called and made a payment in the amount of {$170.00} that settled the account ( {$500.00} ) in full. Since I paid over the phone using my debit card again, the money was debited on XXXX XXXX, 2016. After that I requested for the debts to be deleted, and they were deleted by XXXX XXXX, 2016. On XXXX XXXX, 2016 I checked my credit report on XXXX and realized that XXXX XXXX. reported a new XXXX XXXX charge in the amount of {$330.00} to be collected. I called their phone number XXXX twice on XXXX XXXX and twice on XXXX XXXX, 2016. Their automated system says " no one is available to answer your call at this time '' on both occasions and the call just ended. I called XXXX to dispute the charge, although the agent assured me that it will be deleted within 24hrs, she also recommended that I file a complaint with CFPB.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2016-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: This debt is not mines i have a delete letter but its not being taken off my credit report at all i want it off,
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2016-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No