Date Received: 2016-02-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2016-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.
Company Response:
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. This company is attempting to completely ruin my life and my credit and they have no right to do so. I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2016-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-06
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2016-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.
Company Response:
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-24
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2016-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-24
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Jefferson Capital Systems , LLC knowingly violated the FCRA by placing XXXX collection accounts withXXXX and XXXX credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the XXXX accounts to the credit reporting bureaus. I never received notice such action was being implemented.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2016-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-11
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: In XXXX when my credit report was run by a mortgage lender on XXXX XXXX, XXXX I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of XXXX/XXXX/XXXX. This was a debt that was purchase from XXXX that was in dispute in XXXX XXXX. I did not receive a letter in the mail until XXXX XXXX, XXXX ; dated XXXX XXXX, XXXX. This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to XXXX XXXX. Please could I get some help with this matter?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-06
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.
Company Response:
State: MO
Zip: 652XX
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. I should not be treated this way for something that I did not purchase or get the benefit of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2016-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No