Date Received: 2016-07-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I filed Bankruptcy in XX/XX/XXXX while going through a divorce. The bankruptcy was discharged in XX/XX/XXXX. The debt is with XXXX XXXX collecting for XXXX XXXX. The open date is XXXX/XXXX/XXXX. The re-aged and sold the debt to this collection company after my bankruptcy like must creditors think they can get away with doung this to consumers. I review my credit every three months. This XXXX debt was list on my XXXX in bankruptcy. I keep disputing this tradeline with all XXXX repositories. XXXX keeps selling the debt trying to collect. I need this account deleted. I do n't owe this debt.
Company Response:
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2016-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I am a victim of identity theft. Someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX. I never applied for an account with XXXX. I been receiving harassing and threatening telephone calls and death threats from XXXX XXXX XXXX in regards to the unauthorized and fraudulent account and debt. The account do not belong to me.
Company Response:
State: MN
Zip: 526XX
Submitted Via: Web
Date Sent: 2016-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Collector : JEFFERSON CAPITAL SYSTEM Creditor : XXXX XXXX Amount {$180.00} This amount is not correct and this debit is not owed no matter how many times I talk to the collections department or XXXX. I had a XXXX account and I was transferring my phone lines to my new husbands account. It was called an assumption or liability. The account had to be at a ZERO balance before the line could be transferred over there. They keep saying this is a past due but there was a Zero balance. XXXX ca n't even talk to me as they sent me to a collection account company and I tried to talk to them and I disputed it through them as well. I want this removed from ALL XXXX credit reporting companies!
Company Response:
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2016-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-22
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2016-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2016-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: i have a collection agent trying to collect on some thing i no nothing about. i asked the the original creditor 4 years ago for proof they refused to send me anything.now i got a collector doing the same thing. i sent them a letter of debt validation and they wont comply i have disputed with the credit bureau 's but you might as well bang you head on the wall
Company Response:
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2016-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-02
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: This company calls about XXXX to three times per day and refuses to say anything ; it appears that someone is listening on the phone but I would hang up. Today on this day of XXXX XXXX, 2016 at about XXXX, they called and refused to say anything and after a few seconds they hung up. However, this time I called the number XXXX and they identified themselves as being Jefferson Capital Systems , LLC.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2016-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2016-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-31
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2016-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: A company by the name of Jefferson Capital Systems , LLC ( JCS ) has made XXXX attempts at collecting a debt related to an overdrawn checking account from XXXX XXXX XXXX. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.
Company Response:
State: VA
Zip: 24073
Submitted Via: Web
Date Sent: 2016-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No