Date Received: 2016-03-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2016-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In 2012 I attended XXXX XXXX XXXX college. This balance needs to be forgiven under the condition that this school closed and I am eligible for Closed School Debt Relief. I have spoken with representatives from XXXX XXXX on several occasions in regards to this debt and no one has removed this account from my credit report. This account needs to be updated to a XXXX ( XXXX ) balance and " Paid as agreed '' OR removed completely and permanently from my credit report.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-26
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-23
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. I am also in the process of reporting them to the Federal Trade Commission ( FTC )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2016-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2016-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-15
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2016-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I recently paid a debt and thought that by paying them they would be removed from my credit report. How can I get them removed?
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2016-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No